vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 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: NY

Complaint narrative:
As mentioned I will be on standby for a XXXX XXXX, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its XXXX bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in 1933. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
account was paid in full and citi continued to close my account and reported negatively to my credit. They refused to update status as paid in full.

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 2023-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hi, I applied for three new U.S. passports on XX/XX/2022. I applied for XXXX adult and XXXX minor passport at the XXXX location ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXXXXXX XXXX XXXX ). For the adult passport, the mode of payment is made through a check, and the minor passport payment is made with a money order ( serial no. XXXX ). 

I was supposed to be charged {$260.00} on my debit card ( which includes a minor passport fee + passport card+ XXXX passport pictures for the XXXX passports + XXXX x XXXX execution fee ), and the fee for XXXX adult passports is paid by check from my husband 's account, XXXX XXXX XXXX attached those statements ). 

Unfortunately, during the payment processing, the acceptance facility 's system got hung, and the associate had to execute the same payment twice, thinking the first payment didn't go through. But during this, my checking account got charged twice for {$260.00} using the debit card. 

I didn't notice the charge right away. When I noticed I thought the payment would be reversed on its own, as one person can not be charged twice for the same serial number of money order for the same transaction. 

I contacted Chase Bank, and they rejected the request since it was an authorized transaction at the facility for the passport. After repeated trials with the Bank, I am communicated that the USPS facility has done the transaction in a cash-back form, so they can not file this claim.

The USPS back-and-forth reply " Unfortunately, We can not initiate any refund on our end after this long and have no access to transactions past 1 week. You need to dispute the charges with your bank. They have access and the ability to research and refund the funds as necessary. Please share our contact info with them if they request it. '' I am contacting you so that the amount above can be refunded. I have all the documents with me. Please let me know what needs to be done next. 

This is so much of a hassle and a XXXX box for a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX  XXXX XXXX XXXX XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or without demonstration, asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 

I've sent my letters to the consumer reporting agencies since XX/XX/2022 ( XXXX, XXXX, XXXX, and Experian ) but I hesitated to send directly to XXXX  XXXX because there are two different addresses on the credit report, and I wasn't sure which address is accurate. However, I am aware that all challenges and complaints are to be forwarded to all parties involved with the reported account in question. 

My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that XXXX  XXXX XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. I've marked several deviations from the compliance standard. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that XXXX  XXXX may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. Again, please take note of each letter I've sent that proves the Metro 2 " Mandatory '' standard has not been followed. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX  XXXX XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I write to dispute data by XXXX XXXX  XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if XXXX XXXX. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I write to dispute data by XXXX XXXX XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I write to dispute data by XXXXXXXX XXXX  XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if XXXX XXXX. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

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 2023-08-27 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: VA

Complaint narrative:
My student loans were discharged from XXXX College in court. The court provided me with a paper and informed my student loans from XXXX XXXX XXXX of the discharge. My loan status now states discharged /paid in full. When attempting to correct my credit report from Experian credit agency, they refused my request stating that they investigated and found all the information that they have to be accurate, which it is not. They didn't even review my documents because if they had they would clearly see that the loans are discharged. I sent them the following paperwork that I'm sending you and can you please tell me how they can not see that these loans are discharged. Due to their actions I have now been disqualified from a mortgage application. Can you please help me?

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 2023-08-27 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: OK

Complaint narrative:
I got a copy of my credit report and was shock to see what was on there information that did not belong to me so I notified my bank Ive been a victim of identity theft so i ask them to freeze all my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 : 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

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 2023-08-27 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: DISCOVER BANK
State: TX

Complaint narrative:
I DISPUTED THIS A WHILE BACK AND THEY REMOVED IT OFF MY ACCOUNT I CUT UP CARD THEY SENT XXXX XXXX XXXX AND THE ONLY CHARGE THAT WAS SUPPOSED TO BE ON THERE WAS {$99.00}, AND THE STAYED IT WAS DONE ON XX/XX/XXXX two of them then on XX/XX/XXXX charged something else and then stayed I called them on the XX/XX/XXXX to say it wasnt me. I ALSO TOLD THEM I HAD COMPLETE XXXX  XXXX ON XXXX XXXX XXXX  MY DAUGHTER DL WAS SUSPENDED FOR 90 days HER CAR WAS IN SHOP FOR SEVERAL MONTHS ( XXXX XXXX  ) AND SHE HAS NO XXXX To my card I had to take my daughter to XXXX XXXX on XXXX to pay to get her dl back. Also they stay them E-Mail and text my daughter but the agreement was they email me and text my phone which they didnt bottom line I didnt do this charges so I dont need to pay this but they did and investigation and found out it wasnt me and they removed it well credited my account back so when I received my bill it was it was only supposed to be XXXX some cents. My credit is very excellent as you can see and I dont want this on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I was sent XXXX XXXXXXXX is XXXX and I haven't received my money yet.they don't speak or understand English.they also wouldn't try to figure out where my money was after they received documents saying my money was deposited into they company account.. they haven't tried to help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX wrote a liability property insurance for my residence. That account number is XXXX. It was for XXXX XXXX XXXX XXXX, # XXXX, XXXX, Illinois. 

I cancelled the policy by letting it lapse. I decided to not renew the policy. The premiums doubled during the course of one year. The anniversary of the policy renewal date was XX/XX/2022. I was paid up through XX/XX/2022. I no longer needed the policy. 

XXXX XXXX assigned {$80.00} to XXXX XXXX XXXX XXXX, Ma. That Collections was reported to the three major credit reporting agencies. I disputed the account. XXXX and XXXX immediately removed or deleted the account. I received a confirmatory email within a few minutes from both. I disputed the same account twice with Equifax and they " verified '' and refuse to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit card account is a High amount right now I cant pay it off in time I need help with it it is around XXXXXXXX XXXX I need help removing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently. 

They have FAILED to provide me with the requested information, see their responses. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have received various calls all days of the week and at different times from Midland Credit Management. Using various numbers : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not know what this is in reference to, they never leave a voicemail or any other message. If this was in reference to any payment owed to anyone I should have received correspondence of some sort by at least the beginning of XXXX since the first call was placed on XX/XX/XXXX. I checky credit every month and see nothing owed to anyone from this company not have I ever been issued any credit or other monies from this company. I would like this to stop.

Company response to consumer: Closed with non-monetary relief