vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
XXXX XXXX XXXX and Experian continue to report an alleged collection. I have not validated this debt or have I been sent any information to verify this debt is mine. Experian is being paid by XXXX XXXX XXXX to report this information to cause me harm and damages. Since the two are using my information to make profits I am entitled to be paid. Furthermore there is no contract between me and XXXX XXXX XXXX so it would be illegal to even make claims against me as I have the right to contract with whom I want in commerce. Just because the contract is transferred does not mean all rights to said contract is transferred therefore I refuse to pay this alleged debt and demand it 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX  I received an email from the Dept of Education regarding the discharge of my student loan with XXXX. I reached out to XXXX and have been unsuccessful in removing or receiving any remedy regarding this matter.

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 2024-02-03 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: AZ

Complaint narrative:
XX/XX/XXXX  I received an email from the Dept of Education regarding the discharge of my student loan with XXXX. I reached out to XXXX and have been unsuccessful in removing or receiving any remedy regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: MO

Complaint narrative:
XXXX Credit report shows XXXX XXXX  reporting a 30 day late payments. 
They have not provide documentation to support these late payments. 

I closed this mortage account in XX/XX/XXXX. in XXXX  it was in a XXXX  XXXX. 
I would not have been able to be discharge in XXXX  if I Had a late payment in XXXX. 

I provided them with my payment information to correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my nephew and I visited local dentist I have been going for years Previous dentist quit and new female substitute was in his place I have XXXXXXXX XXXX last two years at XXXX XXXX  Normally a filling is XXXX XXXX  The doctor cut short our visit due to previous customer late We did not get XXXX XXXX  after cleaning and thus rushed out for her next appointment Prevous history : Filling XXXX XXXX  Cleaning including fluoride was XXXX XXXX  My charge was XXXX XXXX  ( nephew ) XXXX ( my cleaning ) and XXXX filling Total XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
The XXXX account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. XXXX has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to 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 non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
The XXXX account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. XXXX has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed these inaccurate items. My information was misused and now I have some false not 100 % accurate items on my credit report. Unauthorized use of 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XX/XX/2022 I received an email from the Dept of Education regarding the discharge of my student loan with Navient. I reached out to Navient and have been unsuccessful in removing or receiving any remedy regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan has a 5 year contract with the US Treasury Department to provide account validation services for federal government agencies which include Social Security Administration and IRS. 
JP Morgan described its appointment as " reflecting the important role that account validation plays in Treasury 's commitment to payment integrity and the reduction of improper payments. '' From Article : XXXX XXXX XXXXXXXX : US Treasury turns to JP Morgan for payment account validation services. Published by XXXX XXXX XX/XX/XXXX I had applied for 2nd and 3rd Economic Impact Payments by filing my tax returns in XXXX and XXXX which were sent to the IRS XXXX  XXXX XXXX XXXX. I did not receive the payments. In addition, I can not obtain my XXXX and XXXX Transcript from the IRS. 

I did not know JP Morgan was responsible for validating Treasury payments for the IRS until I received my return receipt recently stamped JP Morgan as Agent for IRS and read the recent article about the 5 year Contract. JP Morgan has decided as Agent for IRS that the EIP payments I should have received was invalid. The IRS refuses to provide the XXXX and XXXX transcripts to this day without explanation. 

This quote was provided in a letter I received from the IRS in response to a Senator 's inquiry in XXXX who was trying to assist me. 

" " We were unable to determine your eligibility and calculate the second and third Economic Impact Payment ( s ) because you did not file a tax return for XXXX. '' So now it seems that JP Morgan is now authorized to make Treasury payment decisions. The IRS processing office I am having this problem with is the XXXX  XXXX IRS which processes tax returns for New York. Why is a major commercial bank making Treasury decisions about which Tax payers are to receive EIP Payments and whether to process tax returns?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The information in this complaint contains that 2 of the 3 credit bureaus ( XXXX and Experian ) are denying my wife and I are rights as consumers as there are inaccurate information on both my wife 's credit report and my credit report in regard to a XXXX  XXXX and XXXX bankruptcies. 
Moreover, in relation to XXXX, there has not been any representatives within this company that has been able to provide me any type of answer in regard to the " Improper Involuntary Bankruptcy Cases '', the XXXX  XXXX and the XXXX that does not belong on either of our credit reports due to the attorney 's firm messing up the paperwork for both of these bankruptcies creating both of these, the XXXX  XXXX and XXXX bankruptcies to be done fraudulently. Additionally, I have asked numerous times different representatives within XXXX on how to upload supporting documents for these 2 bankruptcies, the XXXX  XXXX and the XXXX  XXXX, but have yet to receive any answer from XXXX. 
Furthermore, by what the attorney 's firm did/created in this situation, it led me to becoming a victim of identity theft. As I received verification from the IRS from the 2 tax returns that they received for the 2022 Tax Year, after being audited from the IRS for this tax year. 
Moreover, in relation to Experian, the representatives within their special services section ( dispute section ) did not do their " due diligence '' in regard to either one of these XXXX  XXXX or XXXX  XXXX bankruptcies as they did not do the research that was needed to be done regarding these " Improper Involuntary Bankruptcy Cases ''. The supporting documents were uploaded to Experian, however, the section within Experian did not do any type of research into this documentation that was sent to them. Therefore, Experian has ignored and is still ignoring the documentation from these bankruptcies as I received notice from Experian that they were not willing to remove these " Improper Involuntary Bankruptcy Cases '' because Experian has stated that these bankruptcies are legitimate and will stay on our credit reports. 
Furthermore, proving that Experian did not do their research correctly into the information surrounding either one of these, the XXXX  XXXX or XXXX bankruptcies that was done on a fraudulent basis with the attorney 's firm and therefore, creating me to become a victim of identity theft with the IRS.

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 2024-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
The mortgage company is in default it been over 60 days and they have not responded. The have my home up for foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I purchase some furniture from a furniture store under Acima finance company but the charges are outrages. The first delivery of the furniture broke while the delivery people put it together. If you call and miss a payment you have to make up an additional payment. Its the over charged that is not right for consumers at all From XXXX XXXX XX/XX/2024 on monthly payments. I have been charged XXXX a month and additional XXXX with over XXXX a month with additional charges on make up payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I flew XXXX XXXX in XXXX XXXX I am allowed a trolly 14 pounds A trainee at counter insisted I have to check bag Long queue and no supervisor at desk So I paid via XXXX but card would not accept Only card I had was Schwab debit I paid to get on flight but disputing the charge and CFPBwish to intercede

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at my report back in XX/XX/year> and noticed some things that were reported incorrectly. I sent multiple letters to Equifax asking them to validate the account with XXXX XXXX XXXX account # XXXX and to investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). They did not respond, nor did they provide the requested information, which is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ). 

Here are all of the tracking numbers for all of the multiple attempts I have made to correct the information reporting incorrectly on my report : XXXX XXXX XXXX As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

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 2024-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Inaccurate Inquiries on credit report : 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Send money through money gram to a person that ended up being a scammer. 
XXXX XXXX took over {$50000.00} dollars over 5 year period through various names and locations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Im Identity was used to file for taxes unemployment, anchor rebate, cars and phone services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Charge offs on my report arent mine and have the wrong personal information associated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I submitted a claim for baggage delay under benefits allowed by my credit card. 
Date Baggage was Delayed : XX/XX/XXXX Claim filed XX/XX/XXXX I am disappointed and somewhat amused by the company 's response requesting for additional documents repeatedly. The documents they have asked for in the last round ( documentation from common carrier documenting when luggage was delivered and the itinerary with dates of travel, cost and last 4 digits of credit card number ) have already been submitted - in fact some documents submitted multiple times and in much detail. 

I am forced to conclude that repeatedly asking for the same documentation so as to delay the process and delay paying of the rightful claim to the claimant. 

Again, all requested documentation ahs been submitted previously in much detail. I should expect claims to be processed in a reasonable time frame without undue burden to the claimant ( e.g. repeatedly requesting the same documentation ). 

I have spent countless hours gathering and providing all the required documentation in an expedited manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
XXXX XXXX XXXX account is past the statute of limitations and I would like it removed from my account in accordance with the FCRA.

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to lodge a formal complaint against Digital Federal Credit Union ( DCU ) concerning an issue that has not only caused me significant inconvenience but has also led to a misleading representation of my financial standing with the institution. On XX/XX/year>, I discovered that my account had been locked, preventing me from accessing my online banking, following a single missed payment. This action taken by DCU was not only drastic but also lacked the provision of adequate resources or options to regain access to my account. 

Furthermore, upon contacting DCU to address this issue, I was informed that my account was reported as being 59 days past due. This information is factually incorrect and grossly exaggerated, as the actual duration past the due date for my payment was merely 10 days at the time my account was locked. This misrepresentation has caused undue stress and potential harm to my credit reputation, as it inaccurately reflects my financial behavior and reliability. 

The lack of communication and support from DCU in this matter has been deeply troubling. Not only was I not provided with any prior warning that my account would be locked due to a single missed payment, but the subsequent inability to access my own financial information or make immediate rectifications has placed me in a precarious financial situation. 

This situation raises serious concerns regarding DCUs practices in handling account delinquencies and customer communications. It is imperative that financial institutions operate with transparency, accuracy, and fairness, especially in matters that can significantly impact a customers financial health and access to their own money. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Membership number : 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 2024-02-03 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: LA

Complaint narrative:
Inquiries were noticed on my credit profile when I was checking my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
STATE EMPLOYEES CRED UNION and XXXX continue to report information they know to be inaccurate. The letter of credit that id deposited into the bank is what grants this credit line therefore I am entitled to equitable relief that should settle any balances due if not the profits should be turned over to me as the registered security is in my name and the credit line has been terminated. Therefore State Employees Credit Union is knowingly furnishing deceptive information to XXXX and the alleged investigation XXXX says they conducted has to be incorrect because the bank ledger should read the credit for which my letter credit was accepted and deposited.

Company response to consumer: Closed with explanation