vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute information on my credit report that I believe are inaccurate and should be removed. The following information are incorrect and should not be included in my credit report : XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone hacked into my account and charged almost {$1000.00} worth of merchandise. They were able to change my address, phone number and email. Kohls company finally caught on when this person tried to up my credit. That day when Kohls called me to verify if it was not me, I opened a fraud claim. The company informed me it would take 60 days for the claim to get handled. Every week I call to see if the claim has been resolved, every week the fraud department informs me how they made a mistake and now they have to open a new claim and the time has been extended. First mistake was they dismissed the claim because they were able to cancel some of the charges. The second mistake was they did not include all the charges. I have even sent an email to the fraud department with my police report. Now it has been over two months and my credit has been impacted by their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I submitted my application and was denied access to my unlimited credit. According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

I wrote them about this and they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 -602, states I have the right to privacy.

15 USC 1681-604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open on a consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I requested information from ECSI regarding my loans type, terms and conditions. They are not able to resolve the issue and they pass the issue to XXXX XXXX XXXX ECSI is responsible for signing of their forms. I requested them many times to provide me with official copy of master promissory notes which includes the loans type, terms and conditions for the XXXX XXXX they applied to my account ECSI has failed to provide such documents. Therefore, their request for debt collection to the amount of XXXXXXXX XXXX is invalid as they do not have proper forms, signatures, customer service or supervisors to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about issues with an account recently assumed from my deceased father. As some unknown part of the transfer process was incorrectly completed on the part of American Express, the account was closed in error and rewards erroneously forfeit. I was directed to a specialized estates group via phone at XXXX. This group re-opened my account. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat servicing to inquire about missing rewards. I was informed that while my account was re-opened, the servicing group had failed to re-enroll & reinstate rewards as part of their Membership Rewards Program. " Your request to reinstate forfeited points was successful. You now have the Membership Rewards Points available. However, it might take up to 24 hours to show up at your end. '' XXXX XX/XX/XXXX I contacted American Express via the online chat servicing as my accounts ( all of them ) were restricted and my Platinum Card was according to the agent " I see this card was closed in error and marked as deceased. '' I had my open accounts unrestricted, and was advised I needed to contact via phone the same specialized group as before. I contacted that group and had the account re-opened again. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about my missing rewards, as once again my rewards balance was wiped to XXXX ( was : XXXX ). I was advised to contact XXXX for additional support and to open a case. I was told I would be contacted again proactively with resolution. 
XXXXOn XX/XX/XXXX I contacted American Express via the online chat inquiring about status of missing rewards. I was told " It seems like the case is still being investigated. '' -Throughout this I have made numerous calls not listed to AMEX in an attempt to resolve through standard escalation channels. I have been rebuffed at every opportunity, and told proactive engagements and actions would come, that never seem to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Credit Card earlier this month and received an email on XX/XX/2023 saying I was denied my securities when I contacted they company to get a specific reason as to why I was being denied my God Given Right to Credit As Granted to me by the Equal Credit Opportunity Act. I was given Misleading in False information until Finally, I was directed to the submit a complaint on behalf of me being denied my securities. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a notice on my credit alerts that a collection was filed on me in XXXX of XXXX in the amount of {$130.00}. As I always try to protect my credit and am a very busy person i just called and paid the {$130.00}, not knowing it would affect my credit. I am currently in the process of buying a new home and have found out that this collection is drastically affecting my credit score and the debt is actually not mine. I called ProCollect today and the collection is actually associated with my ex-wife 's address ( XXXX XXXX XXXX XXXX XXXX Tx XXXX ). Had I known at the time that it would affect my credit so much or that it was actually my ex-wife 's debt not mine ( see attached divorce decree ) as she was awarded the home in XXXX of XXXX and the collection is from XXXX of XXXX and it hit my credit report in XXXX of XXXX, I would not have paid the small bill. 

Below is the a copy of the collection from my credit report, this is drastically affecting my credit score for a debt that I actually didn't owe ( but did pay to save myself time and because my business keeps me very busy ) and now could cost me thousands in finances costs to purchase a new home. I request that the collection be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has violated my rights as a consumer pursuant to 15 USC 1681. Under law 15 USC 1681, I have a right to privacy and I did not provide Equifax written permission to furnish my information for the account below and demand that the account be deleted from my credit report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Yes I had a employee compromised data from XXXX XXXX XXXX  updated my drivers license account and XXXX XXXXXXXX data breach settlement with case ID from the XXXX XXXX Sheriff 's department XXXX. I want to copy my report from XXXX XXXX XXXX from XXXX settlement. I also want my account put in restoration services from my identity theft report. I also want my information secured from the thieves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a ; ate payments. They have not supplied this information and they must delete the alleged late payments on my credit report they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of constructions - Exclusions.- Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I initiated a complaint about the block pursuant to 15USC1681c-2 which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Equifax has violated my consumer rights by denying my request. On XX/XX/2023 I submitted a CFPB identity theft complaint to Equifax stating the following : There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. Equifax denied my request ( see attached letter )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo. XXXX XXXX charges were made on my card that were not authorized by me. I live in NY and was working when these charges were made in Florida. They are not any charges within my normal charges. At the same time my bank accounts were hacked and wiped out. My bank determined it was fraud and reimbursed my money. Numerous cards were attempted to be opened in my name during the next several days. None were opened because the companies realized it wasnt me. The hackers changed the address on my credit report to a Florida address which coincidentally is where these charges were made. I sent Wells Fargo all the documentation to support this and they will not reverse the charges. I have called numerous times to resolve this to no avail. I paid off the legitimate part of my balance but now the fraudulent charges are accruing finances charges. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I initially applied for XXXX in early XXXX and received notification from Aidvantage that it was approved for {$0.00} payments on XX/XX/XXXX ( see attached approval ). Later, on XX/XX/XXXX, I received notification that my deferment/forbearance would be ending that I did not sign up for. 

I called last week and requested clarity about whether my account is in XXXX or in administrative forbearance. I was told over the phone that my account is in XXXX for {$0.00} payments, but my payment page states that I am in administrative forbearance that ends in 32 days ( see attached loan printout ). The loan officer denied that my account says this and stated that I am enrolled in XXXX. 

Also, when asking about how XXXX plan interest works, I was told that interest is only eliminated on Subsidized loans, not Unsubsidized, so that is why my interest is not being forgiven. However, the federal website states, " The XXXX XXXX eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. '' https : //studentaid.gov/announcements-events/save-plan Therefore, I was given incorrect information. Then, they started discussing XXXX, which I did not ask about nor do I qualify for. Loan servicers are not trained appropriately to guide us on repayment or even account status. They blatantly give incorrect and unhelpful information. 

I would like my loan servicer to address this issue and return my account immediately to the XXXX plan, as my account is now growing interest that will then not be " eliminated '' with 0 dollar payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting incorrect social security number on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief