vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.

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 2023-11-08 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: IN

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 2023-11-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: IL

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 2023-11-08 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: OH

Complaint narrative:
I have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. I have filed complaint # XXXX with the CFPB on XX/XX/2023 which Experian has ignored for almost 2 months. The accounts on my report are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist 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 2023-11-08 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: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
Aidvantage took over servicing my student loan ( from XXXX XXXX XXXX XXXX ) earlier this year. 
Several months later, I was notified that payments would resume in XXXX. 
I created a login with Aidvantage and tried to review the amount of my upcoming payment. For months there was no information online, but finally the payment information populated. It was similar to what it had been before the Covid pause. I dont recall the exact amount, but it was somewhere in the vicinity of $ XXXX {$80.00}. I saw there was an option to inquire online about IDRs ( Income-Driven-Repayment Plans ). I looked into it ( Aidvantage asked me to answer a few questions ). Aidvantage said they would review and let me know what my options were. I didnt hear anything for weeks ; then, just a week or so before my first payment was scheduled to be withdrawn from my account, Aidvantage emailed me and said my IDR had been approved. 
Keep in mind I had never said I wanted an IDR, or given permission to anyone to implement one ; I had simply inquired into how much lower my payment would be if I did that. 
I logged in to see what changed, and saw my payment had more than quadrupled to nearly {$400.00}. Why Aidvantage would think I would want to use an IDR to raise my payment I have no idea. 
I immediately tried to cancel, but the website said I had to call or email them. 
I tried calling- on hold endlessly, no answer. I tried calling again, later. Same thing. I tried submitting an email through their website ( only other way of contacting them ) ; I was told I would get a response within two days. Nothing. I sent another. A week went by. Nothing. The large payment was taken out of my bank account. Still nothing. I tried calling again. Still placed on hold indefinitely. I emailed again. Nothing. 

It has now been over a month, and I have received no response whatsoever from anyone at Aidvantage. And certainly no explanation for why they raised my payment without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-11-08 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint due to Chases handling of unauthorized transactions made via XXXX from my account. The dispute process has not yielded a satisfactory outcome and appears to be inconsistent with the protections provided under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.

The unauthorized transactions are detailed below : A transaction dated XX/XX/2023 for {$300.00}. 
A transaction dated XX/XX/2023 for {$320.00}. 
Two transactions dated XX/XX/2023, one for {$580.00} and another for {$1100.00}. 
The total amount disputed is {$2300.00}. 

Upon discovery of these transactions, I promptly reported them to Chase, categorically stating that I had not authorized these transfers. Contrary to my explicit denial of authorization, Chase concluded that the transactions were legitimate based on IP address and geolocation data matching my typical banking activity. 

I wish to highlight that this determination does not sufficiently rule out the possibility of fraudulent activity, where my personal banking information could have been compromised and used in a manner that mimics legitimate banking behavior. 

The nature and pattern of these transactions deviate significantly from my regular banking activities and, crucially, I have not received any benefit from these transactions, nor were they made with my knowledge or consent.

Chase 's decision not to credit my account for the disputed amount during their investigation is a matter of concern and suggests non-compliance with Regulation E, which stipulates that consumers should not bear the burden of unauthorized transactions once properly reported.

I urge the CFPB to facilitate a review of how Chase has handled this matter. Their response has been inadequate and dismissive of the substantial likelihood of fraudulent activity that has adversely affected my financial security.

I am prepared to furnish any additional information or documentation that may be required to substantiate my claim.

Thank you for your consideration and I anticipate a just and prompt resolution that upholds the consumer protection standards set forth by the EFTA and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are unauthorized inquires on my credit report. I have attached a ftc report that shows unauthorized inquires.

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 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I do not owe money to this specific company. I never conducted business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
I have sent in affidavits to request specific verification that the CRA 's have been avoiding giving to me to verify that they are actually doing the investigative consumer reports prescribed by FCRA. These companies believe that they are above the law because they are large and have automated systems set up to detour consumers from getting personal access to someone to rectify and remedy these situations in person. 

I do not want my personal information analyzed, serviced and resold by companies who do not have my best interest at heart. These companies report erroneous claims because they have a financial interest in consumers having inaccurate reports. That means more credit monitoring, reports, security freezes and inquiries. How is this fair ir equitable for the consumer as required by Congress in the FCRA. 

I have used this medium to complain over the past years of the inaccurate information that they report and make money off of and not once, even with the deletions and admissions of guilt did they pay me the monetary compensation due. Its been a complete run around with rectifying this and now I am prepared to take this to court if they do not comply. Final attempt to settle outside of a class action suit that I have gotten prepared by my consumer attorney for me and a class of similarity injured Americans nationwide.

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 2023-11-08 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: TX

Complaint narrative:
I have sent in affidavits to request specific verification that the CRA 's have been avoiding giving to me to verify that they are actually doing the investigative consumer reports prescribed by FCRA. These companies believe that they are above the law because they are large and have automated systems set up to detour consumers from getting personal access to someone to rectify and remedy these situations in person. 

I do not want my personal information analyzed, serviced and resold by companies who do not have my best interest at heart. These companies report erroneous claims because they have a financial interest in consumers having inaccurate reports. That means more credit monitoring, reports, security freezes and inquiries. How is this fair ir equitable for the consumer as required by Congress in the FCRA. 

I have used this medium to complain over the past years of the inaccurate information that they report and make money off of and not once, even with the deletions and admissions of guilt did they pay me the monetary compensation due. Its been a complete run around with rectifying this and now I am prepared to take this to court if they do not comply. Final attempt to settle outside of a class action suit that I have gotten prepared by my consumer attorney for me and a class of similarity injured Americans nationwide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been a loyal customer of this bank for more than 12 years, consistently making on-time payments. Despite applying for several credit cards, I've been repeatedly declined without any explanation. Even when I did acquire a credit card about a year ago, it was suddenly closed without prior notice. I'm left wondering if my XXXX heritage is a factor in these credit card application rejections.

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 2023-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I was first contacted on XXXX by a phone number matching my phone 's area code but not matching the area in which I currently reside and was asked to verify my address. After giving only the numbers of my address, I was told I was correct and was informed I owed a debt to my current power company. After checking myself that I did not in fact owe that amount at all, I double-checked with the collector what the full address was that he was collecting for. At this time he gave me the number I had said, followed by the street name for a previous address I had lived at, combining the two into one address that does not exist. At this point, I became suspicious and called the collector out for having a fake address at which point he hung up on me. I then called the number back to check if it was a cloned phone number, and the woman who picked up was very shifty when I asked what the company was, attempting to collect information from me without revealing whose number this was. She then dropped the standard " this is a debt collection call '' script on me before attempting to collect for the address that - sure enough- was the incorrect amalgamation of two addresses. When I asked her to type the address she had into XXXX XXXX  to see if it existed, she verified that it in fact did not, but attempted to place the blame on the company they were collecting for. I then called the company and spoke with several departments to try to find out if they had ever done any business with this collections agency and it turned out that they had not. Calls like this have continued now, at some points interrupting my work and being made after XXXX XXXX and every time I identify that the address they have doesn't exist and that they are trying to scam me they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On Sunday, XX/XX/XXXX I noticed several fraudulent charges were made to my account. I called my bank, First Horizon, locked my card, and then filed a fraud charge with my bank. They said it would take 5-10 business days to respond. On XX/XX/XXXX I received an email saying " XXXX XXXX, Your claim is completed and except for 1 charge, your claim was declined. All charges ( except the 1 ) were processed with the actual card and chip was used. Charges processed with chip can not be approved as fraud. The following charge was approved and credit has been provided.XXXX XXXX XXXX  '' I have provided a list of the fraudulent charges that were made on my account. I called on XX/XX/XXXX at XXXX XXXX and they said that someone must have stolen my card and there was nothing they could do. I did not make any of the charges, I do not live in or near North Carolina, but they said since they used my chip there was nothing they could do. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-08 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:
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 2023-11-08 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: NJ

Complaint narrative:
Dear CFPB, I need help to remove these inaccurate and misleading items that were reported on my credit files. I've been mailing letters to Experian, XXXX, and XXXX several times since XXXX, but they never responded to any of my letters, and until now, the same invalid negative accounts were reflecting 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 explanation