vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 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 ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN

Complaint narrative:
American Profit Recovery has Falsely reported a trade-line on my credit report. They are a third-party Debt collector, who have violated my rights under the FDCPA. They were given my personal information under false pretenses and has now damaged my credit report. I Feel ashamed and personally violated that they would commit such act against me and my reputation. I demand that they delete the trade-in that they have furnished on my credit report immediately or I will take action to sue them under FDCPA. they are demanding I pay them immediately as if I ever done any type of business with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX XX/XX/year> a company by the name XXXXXXXX XXXX XXXX in XXXX XXXXXXXX XXXX allowed someone to give them my credit for a rental car I have no knowledge of upon me in a store trying to use my Chime Bank credit card I was informed that I had insufficient funds in my account that's not possible so I check with my bank and was told that the XXXX XXXX took {$560.00} from my account I did a dispute plus call the car rental place they informed me that I was not in their system so I informed the bank Chime I even had both parties in the phone and the XXXX company informed Chime Supervisor that they have no record of me dealing with their company and how can they assist in getting my money back to my account the supervisor at Chime Bank informed Chime that I would have to wait until their investigation was over so then I asked how long it's been pass your company time flame and I have bills I have to pay XXXX and XXXX XXXX that's due in XXXX days they have already gave me extension basic on this investigation and now your company is informing me that you have until XX/XX/XXXX for what when this company just informed you that they have no record of me in their system really? I am getting no were with both parties in this matter and it's not fair for me to keep waiting on my money when I have already asked Chime Bank not to allow no merchant to take money out of my account without my permission and they keep doing it I receive {$1300.00} every month from Social security. It's bad enough that I had a secure account with Chime and the claim I spent that money when I was doing transactions with my credit builder card how when I was spending money from my check from social security deposit! Once I receive my money I withdraw it to pay my own bills what bill I pay using the money from my secure account? XXXX minute I had {$700.00} and then it went down to {$100.00} the went up too {$1300.00} down to {$800.00} this don't make no sense to me when did I spend this money on what explain this to me please I will send in statements to prove how this bank is getting over on customers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: PA

Complaint narrative:
My account with US DEPARTMENT OF EDU was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

US DEPARTMENT OF EDU never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX someone found and used my card multiple times resulting in my account being charged over {$600.00}. I called Chime as soon as I received a text message from a third party account stating that my balance had reached XXXX. I explained that I did not notice my card was missing and that I was not making the purchased nor did I authorized the purchases made. They said I had to call back to file a dispute once the charges had settled. On XX/XX/XXXX I called back and filed a dispute, I provided photos and video footage of someone else using my card and receipt proof that they were bypassing the pin as the stores provided me with this information. Since then my claim continued to be denied two more time, I have added proof of my where about as well as police report information and my claim still continues to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ****

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check to chase for approximately {$96000.00} from XXXX. Chase has been holding my funds for 6 MONTHS NOW!!! This is theft. XXXX already verified this check. Chase is not releasing this check until they call a verified XXXX number which they do not have apparently. I've tried everything now and called chase and XXXX over 100 times. Chase has the money and they refuse to release it. This should be illegal. This is life changing money for me and my family. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I tried to communicate and they did not attend to my claim, the charge is excessive, I owed the amount of {$35.00} dollars and now they are charging me {$420.00} for charges. I tried to communicate with the actual company of the amount but I was never able to communicate and now they are charging an excessive amount and the company XXXX does not stop bothering calls from XXXXXXXX XXXX to XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-07-18 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Mohela refuses to send me documents pertaining to my loans they took over in XXXX. I tried to get help by complaining about them online multiple times. The Ombudsman Group for the Department of Education keeps closing my online complaints on studentaid.gov without addressing them! It has been every complaint Ive filed regarding Mohela in XXXX. At least 5 have been filed online. Who are these people that have no empathy or compassion for others? They are NOT doing their job! Since XXXX I have been trying to get help. But most recently, I called Mohela XX/XX/XXXX and requested all of what XXXX sent them when they took over my loans. I was told it would be received in 30 days. As of XX/XX/XXXX I still dont have what I asked for. I called Mohela on XX/XX/XXXX and was told I will have the documents in 2 weeks from today. I called again XX/XX/XXXX today and was told they will send it and it will take 2 weeks. They are not sending my documents. Who can help me with retrieving the payment documentation including all payments made by me and Pell grants received that XXXX sent to Mohela. They are liars and have not mailed what Ive requested 3 times already, with the first being almost 60 days ago! 

Is there a human being that can help me? Please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I did not notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 
I called in the early XXXX of XX/XX/year>, around XXXX XXXX, to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : # XXXX. 
On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 
On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 
After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.

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 2024-07-18 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: UT

Complaint narrative:
I paid my US Bank credit card balance in full on XX/XX/year>. They reported it and my score updated. Then on XX/XX/XXXX, they reported {$4100.00} due. I called them to have it reported back to how it was ( which was accurate ), but they said it isn't their fault, they only report once a month at the end of each month, it's XXXX fault. So I call XXXX, and they tell me that US Bank reported on XX/XX/XXXX the last payment date of XX/XX/year>, so that is why none of the XXXX information is showing now. So I call back US Bank and ask why they would go back in time and remove the most recent activity that was already showing accurately. They say they didn't do that. They refuse to take any accountability or responsibility for the reporting error which is holding me back from purchasing a home now. They say they have no process or system in place to fix any issues that they create for consumers and we have to fix it ourselves by calling the bureaus and doing their job for them. I spent 5 hours on the phone this morning between US Bank and XXXX trying to get something that was not my fault or my error fixed and no one would help me. The customer service representatives actually transferred me without telling me, directly to XXXX after I asked them not to becasue I needed to speak to the people in charge of credit reporting at US Bank, not at XXXX. They didnt care or listen to me. The manager gave me excuse after excuse, and said she could do nothing at all to help me and was rude and heinous and denied any wrongdoing or inaccurate reporting even though it was staring her in the face. No one should do business with this evil and unhelpful company.

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 monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Dicks Sporting Goods XXXX ( through XXXX Bank ). The last XXXX  years i have been on XXXX waiting on a XXXX transplant. The first XXXX years and prior to my illness all payments were made as you can verify as i was able to work XXXX. The last XXXX years i was only able to work part time. I fell behind and was unable to make minimum payments, but was still paying as i could. Around XXXX of XXXX Dicks locked me out of my account so i was unable to make payments or get copies of my submittals to them regarding my hardship. I spoke to several agents who called all day and night to collect money and explained my situation to them. I was told they had no program available and the minimum payment owed per month must be paid, which i could no afford. I was then sued in XXXX of XXXX. The hearing was today in which a judgement was filed against me. Which i plan to appeal. I feel my right were violated. How can we allow a bank to not have some type of hardship program. I have done this with other credit cards during my health issues. They freeze the card and take a payment until paid up to date then reactivate the card. No credit hit. No lawyers and extra fees. But this is what we allow them to do I guess. It just doesnt make sense. In addition refusal of allowing me to provide my online submittals asking for hardship help prohibited me from defending myself in court

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 2024-07-18 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: NJ

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

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