vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the XXXX, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than XXXX XXXX XXXX. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX collection agency reporting. Please see the submitted documents. The account needs tin be removed.

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 2023-10-04 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I encountered two distinct offers for the Chase Sapphire Preferred card : a pre-approved invitation from Chase promising XXXX bonus points and a public online offer for XXXX bonus points. 

Upon applying for the card via the public XXXXpoint offer, I was promptly denied on the grounds of " an excessive number of credit inquiries, '' a rationale that puzzled me given my record of only one inquiry over the past 12 months. What is particularly baffling is that, on that very same day, I applied via the pre-approved invitation through the Chase Mobile app and was instantly approved but for the lesser XXXX points offer. The stark contrast in the outcomes, both rendered within hours of each other, raises serious concerns about the consistency and fairness of Chase 's evaluation system. 

I subsequently contacted Chase Card Services on XXXX XXXX ( as indicated by my communication dated XXXX ) to request a match to the XXXX bonus points offer. The first response I received was on XX/XX/XXXX, stating that my account had a temporary hold by the Fraud Department, and they couldn't review the bonus offer at that time. 

My concerns were escalated to an investigator on XX/XX/XXXX. However, despite the gravity of the escalation, there was a prolonged silence from Chase. It was only after my follow-up message in XXXX that I received feedback. On XX/XX/XXXX, I was informed that my account ( ending in XXXX ) wasn't eligible for the XXXX bonus points promotion, and a match to this offer was refused. 

Throughout this period, there were noticeable delays in communication, and the issue has not been resolved in a manner I deem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
EXPERIAN, XXXX XXXX XXXX IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand Experian, XXXX and XXXX to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately

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 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

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 2023-10-04 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: MD

Complaint narrative:
I spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XX/XX/2023 Fraudulent credit inquiry was made at date mentioned above with Capital One. 

I called Capital One and they removed the credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My son passed away on XXXX and he had opened an acct with Chime Financial. I dont know the exact amountbut its around {$860.00}. He had no one listed on his acct to receive his money upon death. He is divorced, and I am his next of kin, being his mother. I have all kinds of identification, including his death certificate, birth certificate, social security card, drivers license and his drivers license. I also have his Chime debit card. I also provided them with my drivers license, front and back and my social security card. They want me to go to our court system and get a small estate certificate ( which will cost me {$400.00} + ) not cost effective, since he only has {$860.00} in his acct. Im not going to spend that kind of money when I already have plenty of proof of who I am. I have been going back and forth by email with them since XXXX called and their partner, XXXX, tells me they just provide the debit cards. Chime has so many similar complaints. They just seem to hang onto peoples money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX, an unauthorized charge of XXXX XXXX  was made on my account via XXXX. I quickly called chime to alert them of this unauthorized charge when I awoke, I was able to get a new card, but since the transaction was still pending I had to wait until it completed to dispute it. Finally, on XX/XX/XXXX I was able to dispute the transaction, but they declined it. I have made several rebuttals since then with new evidence. I made a police report on the theft, as well as I spoke to a XXXX representative who confirmed that fraud has taken place and filed a fraud report, since I have not ever or had a XXXX  account, and even chime can see that through my bank statements! This purchase was made in Washington, but I am located in Virginia. It seems that they are not doing a thorough enough of an investigation because if they did I would have my money! I have submitted a police report, a written statement, and I even gave them the confirmation number of a fraud report from XXXX!! All of these are proof that my card was stolen and that money was taken out of my account, but Chime has not been of any use to me. If they were FDIC insured, then I surely would not have these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXXXX/XX/XXXXXXXX was posted on my credit report as a hard inquiry. I did not authorize them or the credit bureau to do so. 

15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector the expressed permission of a court of competent jurisdiction a debt collector may not without a consumer in connection with the collection of any debt.

15 USC 1681 section 602A - states that I have a right to privacy.

15 USC 1681 section 2 - states that a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I filed a dispute about a transaction and asked for a return of my funds and a full inquiry they did not provide either and closed my dispute. 

dispute claim in case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
This account has been paid off. Please remove it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: JPMORGAN CHASE & CO.
State: TX

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 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. 


Delete the accounts below JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Someone used my name for a apartment in a state I never lived in I asked for a copy of the lease on XX/XX/2023 so they can see its not my signature I also offered to send my ID so they can see its not me I need this debt off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received several capital one credit card promotional offers over email and mail ( one email every week and one mail every month probably ) indicating I was pre-approved for a capital one credit card with a {$300.00} promotional cash back bonus and 0 % introductory APR for 15 months. 

But when I signed up for a credit card, Capital one pulled my credit twice and they issued me a credit card without the sign on bonus and introductory APR. 

They told me that they had two Capital One - Quick Silver cards on their website. One with the promotion and another without the promotion and they were only able to approve me for the one without the promotion. I believe they intentionally are misleading and confusing so that they do not provide any promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2023 {$1700.00} was inappropriately and unauthorized XXXX to a contractor ( with him using my phone ) without my approval. I've requested the contractor to refund me the money, in which he agreed to do so, however to date I haven't received the payment back. I contacted my bank, Capital One, in early XXXX about this unauthorized payment and I keep receiving the response of issue being under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-10-04 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: TX

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report.

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.

I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2023-10-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: CA

Complaint narrative:
I have federal student loans with Aidvantage. On XX/XX/2023, I submitted payment via my online account with Aidvantage to fulfill my monthly payment requirement. I received an email from Aidvantage on XX/XX/2023 confirming my payment was made. On XX/XX/2023, I received an email from Aidvantage stating my payment had been posted on my account. The funds were never withdrawn from my bank account. On XX/XX/2023, I logged into my Aidvantage account to inquire what was happening with my prior payment. My account shows there is a payment overdue despite both the email confirmations from Aidvantage that I made payment and my payment had posted to my account. In the " Payment History '' section of my account, it shows " Payment Reversal '' on XX/XX/2023. I never received any notice my payment had been reversed. I check multiple times that I entered my bank account information correctly and have confirmed the bank information I uploaded to my Aidvantage account is accurate. I attempted to contact Aidvantage on XX/XX/2023 and XX/XX/2023 to inquire what the issue was and why my payment did not post. I can not get through to anyone despite being on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I was offered forebearance during corona. I did all they asked and it was to be put on back of loan with no penalties. It took 2 years to get lian back. I had to hire a lawyer. They did nothing!! They made impossible to get back on track! They reported me late several times during the forebearance. I had to come up with a latge amount as these crooks tried to foreclose while on forebearance. I was charged ridiculous fees and still am being given XXXX. Including autopay which I removed months ago, monthly payment that was supposed to go down yet went up and misinformation by their employees on several occassions!

Company response to consumer: Closed with explanation