vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: EQUIFAX, INC.
State: KS

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank had a special offer to sign up for their Freedom XXXX credit card and I can then obtain interest free balance transfer to pay off my XXXX card. 

I accepted this offer received the said card and applied for a balance transfer of {$14000.00}. 

Unfortunately for some unknow reason after one week the balance transfer was unsuccessful so funds were refunded in full back to my XXXX card. 

I called up Chase who repeated this transaction and again it was rejected so funds were returned. 

Finally the issue was escalated and a senior banker personally handled the transaction on XX/XX/XXXX 

Since this date XXXX never received the funds and I have never received a refund and I am now incurring fees from Chase for the unsuccessful balance transfer and now late fees of approx {$600.00} from XXXX. 

I should not my XXXX card is issued in XXXX XXXX but on all three occasions Chase claimed this was a non issue and all should be fine however now XXXX cant really use either card and am being charged for both with increasing fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unresolved Identity Theft Incident Resulting in Fraudulent Account and Credit Report Discrepancies I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report that reporting on Equifax only. 
A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my XXXX XXXX, including a particularly significant fraudulent charge on my XXXX XXXX XXXX credit cards. 
The account details for the fraudulent charges are as follows : XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$7400.00}. 
XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$1000.00}. 

The total unauthorized charges on these accounts alone exceeded {$8000.00}. 
Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureau, and Equifax as part of my dispute process. 
Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that this credit bureau have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX XXXX XXXXXXXX card is still unjustly affecting my credit report. 
Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX XXXX XXXXXXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 
Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: KS

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 2023-10-27 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: EQUIFAX, INC.
State: KS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We initiated an International Wire Transfer on XX/XX/, but we needed to make a correction to the recipient 's name. In our response to the Secure Message within the XXXX portal, we were informed that it would be at least a week or more before someone could address our request. This extended delay is deeply problematic, as our funds are currently held up in the process, and we are left without any immediate assistance or response from XXXX in the interim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I spoke with account representative XXXX XXXX and told her that I was catching up on my payments because I am unemployed after FAY SERVICING locked me out of access to online bill payment. I could not make my payment so I contacted customer service and she immediately began telling me to apply for loss mitigation etc. I declined this and told her I would do my best to get back on track and asked her several questions about catching the payments up. 

XXXX never told me that I was in danger of foreclosure but instead kept pushing me to a repayment plan which she told me would be due the XXXX of each month and I told her that I knew that I would not have a payment for XXXX ready by the XXXX. and that I would do my best to catch the remaining XXXX payments up and she advised me that once I made XXXX more payment I would be granted access to pay online again. After the conversation I began to make plans to catch up on the XXXX missing payments. 

On XX/XX/XXXX I received the discussed repayment plan in the mail that was completely different than what XXXX told me it would be. She said I would have a payment ever XXXX of the month for 4 months and when I received the paperwork the payment plan was listed as the following : MONTH 1. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} At the time that I discussed a repayment plan with XXXX XXXX I made it clear that I would not have an XXXX payment ready by the XXXX which I DEFINITELY would not agree to XXXX payments on XX/XX/XXXX and XX/XX/XXXX back to back. This was a deceptive practice to intentionally make me default as of XX/XX/XXXX without truly giving me an opportunity to have a real repayment plan. 

At NO TIME did XXXX XXXX discuss these due dates, she specifically said all payments would be due on the XXXX of the month. She was dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Nelnet, Inc.
State: PA

Complaint narrative:
XX/XX/- Payment made, bank shows payment posted XX/XX/XXXX  - Received email notification that my account with Nelnet was past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Costco Visa rewards for travel, restaurants etc. do not mention that each type of business has to bill using a special code or number. If the do not use that, the consumer does not get the points they should. Nowhere does it mention that one should ask each business how they bill and what numbers they use before going out to dinner! This is false advertising. Even on inspection, my bill lists restaurants not some restaurants only! There are rewards for transportation yet ferries do not bill with special numberstherefore they are not included.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, insist that you promptly remove inaccurate information from my credit report. The creditor failed to validate the listed accounts, primarily because my information was compromised in the XXXX data breach. Both XXXX and XXXX have already taken the necessary steps to remove these accounts. In compliance with the FCRA, I hereby request the deletion of the following accounts from my credit report due to violations. 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 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: ND

Complaint narrative:
I got a notice in the mail regarding a debt owed from my apartment lease that I broke in Florida. They called me to pay the debt, I said I couldnt come up with the {$2200.00} they were requiring but I could make payment arrangements bi weekly to ensure I am trying to pay the collection. They told me they wouldnt work with me and that they needed it all at once. The representative repeatedly talked down to me and kept asking me to borrow money from a family member, take out a loan, or put in on a credit line. I offered {$170.00} bi weekly ( totaling $ XXXX ) to start, they said no. From then, I had made a few payments totaling around {$500.00} because they kept calling me. On XX/XX/XXXX, I offered them {$1200.00} for a settlement, he declined. He said the most they could take it down to was {$1500.00} but it would still affect my credit for 5-7 years, but that if I paid the total amounting in {$1700.00} he would clear it off my credit. On XX/XX/2023, the same representative ( XXXX XXXX ) called me and asked to once again clear the debt. I told him that I dont have that amount to give him and he asked well what happened to the {$1200.00} you were willing to pay before? What happened to the bi weekly payments you were going to guarantee us? You need to ask a family member to resolve this. I asked if he was calling to lecture me or assist me in setting up payments and his reply was ok XXXX I am going to put you down as a refusal to pay, bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: EQUIFAX, INC.
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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2023 I called Jefferson Capital Systems Llc to settle on the debt they brought from XXXX Credit Card Company. I asked agent XXXX about the 60 % settlement offer that XXXX sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was 10 % off in 1 payment or 5 % off on 18 payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: WA

Complaint narrative:
Transunion is reporting an account incorrectly. 
XXXX XXXXXXXX University with a paid balance of {$3000.00} is showing remarks as payment after charge off/collection. Payment deferred. It was never charged off, and certainly was NOT ever sent to collections, and the business has verified that. I will include my emails back and forth from the company and they indicate they have tried to fix it several times and that Transunion is refusing to fix it.

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 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I looked upon my credit report and discovered this accounts that need to be deleted

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 2023-10-27 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: NY

Complaint narrative:
I looked upon my credit report and discovered this accounts that need to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that XXXX as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.

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 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent three checks to Upgrade to payoff my accounts, which includes two personal loans and a credit card. I sent them via USPS priority mail and the tracking number indicates the checks will be delivered today. However, Upgrade tells me it could take up to three weeks to process my payoffs because they are simply too busy to do it in a timely manner. Upgrade also said I would be responsible for accrued interest during these three weeks despite them having the check in hand. I dont believe I should be charged accrued interest because Upgrade doesnt have the ability to process payments in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents.

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