vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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: MD

Complaint narrative:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-10-14 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected this account XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2023-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Re : Dispute of Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Dear XXXX I am writing to dispute a debt that you have reported to credit reporting agencies, which I believe is inaccurate and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and provide me with validation of the debt as required by law. 


Creditor Name : Cash Store I dispute the validity of this debt for the following reasons : Lack of Verification : I have never received any written verification of this debt as required by the FDCPA, despite my previous requests. 

Inaccurate Reporting : I have reviewed my credit report, and this debt is reported inaccurately. It does not reflect the true state of the account, and this reporting is in violation of the FCRA. 

Statute of Limitations : I believe that the statute of limitations for this debt has expired, making it unenforceable in my state. 

Under the FDCPA and FCRA, I have the right to request that you provide the following : A. Written verification of the debt, including details about the original creditor and the amount owed. 
B. Proof that you are licensed to collect debts in my state.

C. Proof that the statute of limitations for this debt has not expired. 

I also request that you cease all communication with me, in accordance with the FDCPA, until you can provide the requested validation of this debt. 

Please consider this letter as a formal dispute and request for validation of the debt. Failure to provide the required documentation within 30 days from the receipt of this letter will result in my assumption that this debt is invalid, and I will take appropriate legal action to protect my rights under the FDCPA and FCRA. 

I look forward to your prompt response and the resolution of this matter. Please send all correspondence regarding this debt to the address listed above. 

Sincerely, [ Enclosures : Any supporting documentation you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX : {$2300.00}

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  Balance : {$910.00}

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XX/XX/2024, I deposited a check at the ATM at the Chase Bank in XXXX XXXX. The ATM asked if I was withdrawal or deposit. I select deposit check. I inserted check. It scanned and said there will be a 7 day hold. Being that I need the money immediately, I did not consent to deposit my check and wanted it back. There was no option to return my check out of the ATM. There was only the option to continue. I did not press the button, the ATM did it for me. The bank would not help in any way. The definition of theft is the taking of ones property with out consent. I did not consent to the seven day hold. If I handed the check to a teller and they told me there was a seven day hold and I declined but she/ he refused to hand my check back, they would be commuting a felony. The bank is responsible for the actions of their machines as much as their employees. The bank can not take a {$1000.00} check and keep {$500.00} and say oops that's our ATM doing that to bad

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: OH

Complaint narrative:
Payfare/XX/XX/XXXXXXXX locked my card for security reasons ( incorrect pin or CVV entered by me, the cardholder ), however the card continues to be locked several days past the 24 hours they said it would be locked for. This has happened several times, causing me to lose access to my funds for bills and purchases. They typically ignore calls and emails, and unlock it when they get around to it. When they do answer my calls, they assure me that my card is not locked and that I should try it somewhere else. However, when I take their advice and attempt to make a purchase, it is still locked. I emailed them a couple days ago letting them know that if this continues, I will need to file a complaint with Consumer Finance Protection. 

Today ( XX/XX/2023 ), I called about a half hour ago, and they told me it would be unlocked at XXXXXX/XX/XXXX tomorrow. They encouraged me to try making a purchase then. However, immediately after our phone call, I saw they deactivated my card entirely, and restricted access for me to view my virtual card and my account number and routing number. So I called them back and explained this, and the representative gave me no legitimate explanation. The representative told me she will make a ticket to escalate my request and to wait for a call from Payfare. Ive been told to wait for a call from them several times before, and never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$750.00}

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 2023-10-14 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: NJ

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-14 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: NJ

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-14 00:00:00
Product: Credit card — Store credit 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: Block, Inc.
State: PA

Complaint narrative:
Made purchase online through Cash app. Seller Responded with international Tracking number. When asked for XXXX number seller assured item is on the way. Seller then Changed name on Internet advertisement. When email seller didn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to log in to my Chase bank account on XX/XX/2023 so that I could change a recurring payment. When I attempted to log in, I received a message that said the following : " We've updated our agreements. 
Please review these agreements to understand how they apply to you. You must accept these agreements to continue to access your accounts online and in the mobile app. We've updated our Digital Services Agreement and combined it with some of our other digital legal agreements to give you a more streamlined experience. If you don't accept, you'll lose access to online account services and continue to see this message until you accept the updated agreement. 
Digital Services Agreement Download agreementOpens PDF Online and Mobile E-Sign Disclosure and Consent Agreement Download agreementOpens PDF By clicking " I accept '' I confirm that I've read and agree to the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' One agreement was 10 pages long, and the other was 127 pages long. I could not log in to my account without accepting " the terms and conditions of the Digital Services Agreement and Online and Mobile E-Sign Disclosure and Consent Agreement. '' There was no option other than accepting the new terms, which were outlined in these two documents. 

I was prevented from changing a critical recurring payment because I didn't want to accept an agreement that I didn't understand, and would likely take an experienced lawyer to decipher. If I were able to comprehend what I was reading, it would take several days of research to look up the legalese and its implications online. 

There is no " plain language '' version of these agreements offered by Chase, nor can I find online. 

If this were a more urgent matter, or if it were a financial emergency, I would have had no choice but to agree to something I couldn't quickly understand. In addition, this action simply means that we must Chase 's terms or, I suppose, leave the bank, although... if I wanted to close my account online, I wouldn't be able to do so without ( again ) accepting their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
I reactivated my account last week with BankMobile using my current address. When they sent me my debit card they sent it to my old address instead of my current address. When I found this out the only choice I had was to report the card as lost and get a new one sent out which had a {$10.00} fee. I told them it was their systems fault and I shouldn't have to pay the fee and they told me to use the email customer service. I did this and they refused to refund the fee even though the card being sent to my old address was their fault. I told them I was going to report them but it did no good.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is showing that I owe {$480000.00} dollars in student loans. I do not ; I owe {$240000.00}. My loans were sold from XXXX XXXX to XXXX. I have disputed this issue three times. They will only update the dates, and keep the loan servicer the same. They are preventing me from getting a home loan. 
My next step is to sue them if they will not do their job. They updated the date they still need to remove the loans as transferred to XXXX. I have attached a copy of the receipt that shows I do not own XXXX. They must be held accountable for preventing my XXXX from living in a home. I can't believe they would deliberately not do their jobs and are purposely keeping us out of a home. I can't believe it, I am doing everything to ensure that my credit is correct, and some person is keeping us from home ownership. 

I am starting to feel like they are discriminating against me on purpose. Why wouldn't they aim to publish accurate information? SMH Please fine them.

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In May of 2023 my account had strady deposits from my paycheck ( Bi-weekly ) and XXXX XXXXXXXX depositing money in my account monthly. Bu the ens of XX/XX/ my bank statements reflected that my account was overdrawn by {$190.00}. In XXXX the company I worked for experienced a dilemma with Pay roll and had to givw us checks instead of the normal Bi-weekly Payroll. This caused me to leave my account overdrawn because I had to quickly pay bills because I usually pay threw my account. In XXXX my company Payroll was fixed and when I tried to have my direct deposit resumed, I was told my account was closed due to being overdrawn by {$97.00}. {$130.00} deposits into my account monthly so I had no worries to deposit any money onto my account. I feel like the reason for my account being closed was not my fault and I would like to continue to have my account due to no fault from myself but due to the payroll issues with my job. I currently still employed and would like to continue to have my direct deposits sent to Capital One because they are a great bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$280.00} DPT EDXXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00}

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 2023-10-14 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: MO

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Balance : {$440.00} XX/XX/XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX : {$10.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance XXXX {$27000.00} XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MO XXXXXX/XX/XXXX Balance : {$440.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXXX Balance XXXX {$0.00} XX/XX/

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 2023-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: VA

Complaint narrative:
On XX/XX/ my vehicle was repossessed but I had already moved my late payments.after contacting them I was told an amount to pay I called XX/XX/ and my vehicle was gone, was told it was sent to auction to be sold.

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