vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My consumer rights has been violated, looked over and not been taken into consideration. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter requesting them to verify, update and respond to me by mail with updates within 30 days with information that has requested. On XX/XX/XXXX I sent a certified letter updating my home address and requesting derogatory items on my credit file be investigated, updated or deleted if the items could not be properly verified and respond to me within 30 days by sending the verification process to me by mail. As of today XX/XX/XXXX they have ignored my request.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer rights has been violated, looked over and not been taken into consideration. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter requesting them to verify, update and respond to me by mail with updates within 30 days with information that has requested. On XX/XX/XXXX I sent a certified letter updating my home address and requesting derogatory items on my credit file be investigated, updated or deleted if the items could not be properly verified and respond to me within 30 days by sending the verification process to me by mail. As of today XX/XX/XXXX they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I was charged twice by the merchant XXXX. One of the charges was unauthorized because the merchant placed a hold on my account for the rental fee. Chime asked me if the transaction was authorized by text three times, I responded No to all of the text. Chime responded that the charges will be blocked and no funds will be removed from my account but the transaction was allowed and funds were removed. I disputed the transaction three times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: WA

Complaint narrative:
XXXX XXXX XXXX refuses to provide me with a sworn affidavit that I owe Discover Bank any money, they keep sending me statements of an alleged account. However Discover Bank owes me a substantial amount of money since they securitized an account in my name, along the application, account and receivables and they have committed securities fraud and are being reported to the SEC. 

I have sent XXXX and XXXX and Discover numerous notices and they will not comply with my CEASE and DESIST notices which is a violation of my consumer rights. 

Additionally, XXXX and XXXX and Discover Bank sued me in California when I did not live there and improperly served me and filed a frivolous lawsuit against me when Discover Bank doesn't have legal standing to sue since they sold the account opened in my name to a trust and they did not have my permission to securitize the application in my name, the account in my name and any receivables submitted to them under my name. They both are committing identity theft at the highest degrees and they never had my explicit consent to share, use, collect, sell, store, distribute my personal identifiable information to anyone. 

Pursuant to Washington Law RCW 63.14.125 taking security interest in lender credit cards agreements is illegal. 

XXXX and XXXX is working with Discover Bank to commit fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I opened a dispute for an unauthorized charge around XX/XX/year>. I was then asked in XX/XX/year> to send documents confirming I purchase it and my identity. Things still show processing after another phone call today about it. They keep says 45-90 but we are way over that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I have sent 2 letters to this company requesting documents to prove this debt belongs to me. After 90 days, no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The company reposes the car and said l wasnt paying to pay this amount to get it back. But the car balance have not changed and when you call them they always try to make it seems as though you dont understand what they are saying. I asked for a statement and the lady stated we dont send out statements. So l really feel that this car should be almost paid off but the balance has not changed and l have had this car for XXXX years. Credit Acceptance is not fair to their customers. Im over {$700.00} a month and the balance hasnt changed.

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 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Back in XX/XX/XXXX I consolidated my student loans with XXXX and the Department of Education and I requested loan forgiveness. My student loans are over 30-years old and I am eligible for loan forgiveness. I was in the Income based repayment program / income driven repayment forgiveness program and based on XXXX and the number of deferments totaling over XXXX, which count as payments I was informed by the representative with the Dept. of Education that I was indeed eligible for loan forgiveness. Shortly thereafter, I contacted XXXX and was informed that my loans were paid on XX/XX/XXXX and finalized on XX/XX/XXXX and my account reflected a XXXX balance. Following the consolidation, my loans were transferred to 'Aid-Vantage ', and I remained in contact with Aid-Vantage by telephone speaking to multiple reps. including XXXX XXXX, and a supervisor by the name of XXXX XXXX. I was informed my loans were in the next batch and should be forgiven by XX/XX/XXXX. However, I was later told to complete additional paperwork to apply for loan forgiveness. Perplexed by this new information, I did as instructed. Afterwards, I contacted the Dept. of Education and was told by the rep. " something is wrong, you need to request an investigation. '' Two months later, I attempted to purchase a vehicle and was denied. My credit report showed that I owed over {$1.00} XXXX dollars in student loans. XXXX was no longer a XXXX balance, it showed I owed over XXXX XXXX dollars, and the Dept. of Education showed I owed over XXXX Million dollars. This information is grossly incorrect and damaging to my credit and to my person. 
I am requesting an immediate investigation and I pray this does not happen to another person. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MS

Complaint narrative:
At this point in time, XXXX, XXXX and Transunion are in violation of 15 USC 1602 ( p ). I requested for unauthorized inquiries to be removed from my report. To my knowledge this information still remains on my 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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX Jefferson Capital LLC, a 3rd party organization, emailed me about a debt they were attempting to collect. They have submitted this illegal reporting of debt to credit reporting agencies and have caused a derogatory mark on my personal credit without legal clearance. This continues to be an ongoing issue and I have first reported this mal-practice back in XXXX with the Consumer Financial Protection Bureau XXXX My original complaint number is XXXX. Here is my original statement of facts that I continue to stand by today : On XX/XX/XXXX I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XXXX XXXX final balance was {$500.00}. I have spoken with a variety of sprint representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account! 

Please assist me with getting this new agency, Jefferson Capital LLC, and any new 3rd party business hereafter who attempts to try and defraud me out of monies that they have no right to. XXXX is no longer in business and I continue to be harassed by 3rd party companies. For several years this derogatory mark have not been present on my credit report and I am appalled to see it reappear after so long- especially with it holding no merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: LEXISNEXIS
State: IN

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 2024-03-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-03-28 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: NJ

Complaint narrative:
I recently review a copy of my credit report and noticed 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 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
i here by on such day of XX/XX/2024 i got in contact with a mortgage agent on M & T bank for a pre-approval for a mortgage loan and submit my personal infXXXX there for i have gotten denied by XXXX on the credit on XX/XX/20XXXX XXXX there for i would like to summit a complain defending my self with giving the fact that the entire consumer transaction is predicted on my UNLIMITED CREDIT and not a credit transactionXXXX 

TITLE 15 SUBSECTION 1611 false and misleading of my own credit XXXX 

i cant be denied credit due to credit score, credit history, or income... any adverse action is in cosumer credit transactions is ilegal TITLE 15 USC 1691, & 12 CFR1002 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 2024-03-28 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: MS

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 2024-03-28 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: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
This debt collection agency has been a complete disaster. An erroneous account has plagued my report for over a year. I left a XXXX review detailing my ordeal, they conducted an unauthorized hard inquiry on my XXXX report on XX/XX/24. They lacked any valid reason for such an action, as I never provided written consent or engaged in any transactions with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-03-28 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been experiencing Identity Theft since XX/XX/XXXX. Chase has placed a Fraudulent Credit Inquiry on my XXXX Credit File. This was placed on my file on XX/XX/XXXX. Chase is very well aware of this and has notified me that it will be removed. However it remains on my Credit File. Enough time has passed and it lowers my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was told my XX/XX/2024 promotional purchase expired and this subject to interest. I paid the amount of the remaining XX/XX/2024 promotional balance owed according to my app BEFORE the expiration date. I am still being charged interest on this. The charge is not showing up on the app as outstanding and owed. I do not owe this outstanding balance and I do not owe the interest associated therewith.

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 2024-03-28 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: 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.

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