vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I applied for a credit card and was denied by the credit card company telling me that my Chapter XXXX Bankruptcy what was DISCHARGED in XX/XX/2019 was showing by EXPERIAN that it was NOT discharged, so they denied me based on this information which took a hard credit inquiry as well on my credit file. 
XXXX XXXX and XXXX are showing it DISCHARGED, so l am not sure why Experian is not reporting the same thing which is on court records. 
I need Experiian to CORRECT this and send me a full credit report of my credit file by postal mail to my home address after they correct this information. 
I have tried to call them on there toll free number and you can not get no where to speak to someone live to discuss this, why do they make talking to someone so so difficult can not understand this practice. 

I ask your agency help in resolving this. 

Thank You

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I entered an agreement with XXXX XXXX XXXX to pay off XXXX XXXX XXXX XXXX. According to XXXX my balance is XXXX According to Experian I owe XXXX. I have disputed this twice, the second time sending them the letter where XXXX excepted my payoff through XXXX XXXX XXXX. As of XX/XX/2021 Experian still reports I owe XXXX. What can I do?

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ). Along with exhibits, documentation, Identification, and laws showing how and when I was violated. Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k. Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction. All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. And litigation will follow if ALL my demands are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I have attached documents relevant to this matter. The complaints are against Portfolio Recovery & Associates and XXXX XXXX XXXX. They have both failed to remove false reports attributed to me. I made a voice recording of my last call with Portfolio Recovery in which the company explicitly admits they have wrongfully listed an 11-year old charged off account as open and recently opened on XXXX XXXX, 2021. The agent consented to the recording. Here is a link to its download. 

XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX XXXX has refused to provide me with any documentation or even so much as account number that would corroborate its claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Around XXXX Chase Bank closed my account because I deposited my sons fathers stimulus check into my account. With his approval and written letter from him just like they instructed me too. I have power of attorney over him, he is currently incarcerated so he was unable to cash it. The check has my address on it which is the same on my license and we have a child together. I went to several chase banks and worked with the managers they sent corporate all the papers they asked me for I cooperated with everything they wanted and they kept my XXXX $ that was in my bank account and closed it. Ive been dealing with this since XXXX and I have called and went to the branches for 6 months and still no help and the same run around. Everytime I call. Im put on hold for 30 mins and then they hang up on me. I dont understand why they have made this so complicated. I am a single mom of XXXX and I was impacted by covid pretty bad so them closing my account and keeping my money really hurt me and my kids. I just want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Ally Financial on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction and given my knowledge of this, I was not expecting to receive bills. Shortly thereafter I started receiving bills which is a violation of 15 USC 1692b. In addition, the bills contained false and misleading information which is a violation of 15 USC 1692e, and bill contained abusive verbiage which is a violation of 15 USC 1692d. Also, at no point since entering this consumer credit transaction have I been advised of my right to rescind nor have I received any documents pertaining to such, which is a violation of 15 USC 1635.

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 2021-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance keep damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
On XX/XX/XXXX I was notified that my student loans were transferred to EdFinancial Services. 

At no point with EdFinancial was I provided information on how to ensure my payments would count towards the PSLF/TEPSLF. 

On XX/XX/XXXX I submitted my PSLF/TEPSLF and my students loans were transferred to XXXX XXXX. 

However, the records sent are missing numerous payments both to EdFinancial as well as my previous Direct Loan Servicer, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I was shopping at XXXX XXXX XXXX in XXXX, CA. I was shopping for gifts for my daughter XXXX 's XXXX Birthday which is today. I went into American Eagle. I noticed that the store had changed. The registers were now in the back. This is similar to many stores during COVID-19. There was a helpful girl who picked out two pairs of jeans for me for my daughter and I stood in line to wait to pay for them. It had been awhile since I had shopped there. I used to shop there a lot! The retail clerk who rang up the purchase asked for my phone number for rewards. I gave her my cell number that I have had for a long time ( 20 plus years ) XXXX. This cell number immediately brought up an email on the transaction screen for me to verify. The email wasn't my email. The email on the screen was : XXXX. I told her that it wasn't my email. She said, " You can change it at home on the website. '' I said, " Okay. '' Then, she asked if I wanted to sign up for a RETAIL only credit card for AE. I told her and showed her my AE Visa card. She said this is a RETAIL card for AE only so it's different. She said if I applied and was approved, I would get {$20.00} off the purchase today. I said okay. So, I entered my Social Security # and income into this same transaction screen that had an unknown email and I was approved. When I got home, I immediately went to the AE website. When I entered my cell number, it said I had an account but none of my known emails worked to access the account to change the email. When I entered XXXX which was associated with my cell, I could not get in b/c it wanted me to verify that email and it's not mine. At home, I noticed that my AE Visa had expired in XXXX and they never sent me another one. I also noticed that it wasn't a Retail Card at all ; it was another AE VISA ( see receipt ). This is fraud ; and I reported this to XXXX Sheriff and now I'm reporting it to you. If we can trace who created XXXX we can track who committed this fraud.

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 2021-08-16 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: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I have a debt collections account delinquency added to my credit report. 
No prior contact was made by the company, Before adding it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continue to report a public record bankruptcy on my report. They stated on my report that they validated the alleged bankruptcy via XXXX but the bankruptcy is not on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To whom tay concern, My Bank of America checking accout was severly impacted by fraudulent activity. In the month of XXXX this year I had {$2500.00} taken out of my checking acount on several transactions. My dad and I have made several attempts to get this issue resolved wih the bank but thier response from thier fraud deparment has always been to close te claim over and over again insisting that I gave permision hat I authorizd one of the transactions and ignored alerts. I was first told that my funds would be restored with in a week then the claim was closed. I was then told that I needed a police report so i did so with XXXX Police department. I was then told to write a hand written letter and it had to be faxed for security reasons this was done also an faxed. All the while my claimes were being reopened and then later closed. My dad finally contacted FDIC and was refered to this organization. Bank of America told you in thier response that they had no knowledge that my dad had any authrization to recive information on my acount when I have given consent for him to help me every step of the way. I recived a letter inthe mail from cfpb with Bank of America 's response from XXXX XXXX stating the response with her contact information. I called her and she stated that I did not respond to the fraud in time and that they only hav a small window of time to work in. All I want for them to do is to do right by me and give back what was taken from me. I worked very hard for my money and I trusted them to keep it safe and now they are treating me like it was my fault that all of this happened. My account was started by my dad so why or how could they say to your organization thery dont recognize my dad as someone who speak on my behalf. I don't now why my bank acts as though this is okay to keep treating me this way.

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 2021-08-16 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: PA

Complaint narrative:
Chase bank is the worst open account with them later on Im seeing insane activity money taken from my account to now owing them XXXX when they took my money in the first place report my card got new one same thing told them about fraud no help nothing got a new card the same thing I wan na everyone to know chase is a rip off making up XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Utah System of Higher Education
State: CA

Complaint narrative:
This account was already PAID and should not have any late payment recorded as I pay this on time. Please re-investigate and correct this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter to each of CapitalOne and its affiliates Cap One NA & Capital One all as appeared on my credit reports. Each letter outlined credit inquiries that I have no knowledge of. I requested any and all documentation be mailed to me that proves permissible purpose to have my credit pulled & reported ( as outlined in the FCRA Sec. XXXX ). I then received a response from Capital One on XX/XX/2021, Acct Ending in # XXXX, Case Number : XXXX the letter did not contain any information or documentation in regards to my request for permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to XXXX TransUnion, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 Except as otherwise provided in this section, 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 by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation