vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Federal student loans were serviced by XXXX. As a XXXX  employee, I requested loan forgiveness. The Department of Education informed me that my loans were being transferred because XXXX does not handle forgiveness for XXXX  employees. My loans were transferred to XXXX. XXXX stopped reporting to my credit files XX/XX/XXXX when the transfer occurred. However, I was then showing duplicate balances from both XXXX  ( because they didnt remove the file ) and XXXX for an inaccurate balance of almost XXXX XXXXXXXX combined. I sent Equifax the forgiveness letter from XXXX and the screenshot from the department of education. Equifax allegedly completed their investigation and reported that XXXX verified the debt and that my last payment was XXXX XXXX  XXXX. I have not paid on this loan since XXXX or earlier. In addition, when I go to XXXX site to verify balances to send to Equifax, it could not locate account under my social security number and date of birth. Additionally, I called them and when I was promoted to enter my information the phone system could also not find an account with my social security number and date of birth. I believe that Equifax failed to verify the account as requested through the dispute process and instead entered false information give. The fact that my efforts could not even locate an account with the former loan servicer. Equifax did remove the XXXX loan, but not the XXXX XXXX  accounts. This gross error is resulting in my ability to qualify for the purchase of my family home that is currently for sale and if not fixed timely. I have initiated another dispute through Equifax.I asked Equifax for proof that XXXX  provided this information and they stated it was against their guidelines which didnt make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Tuesday XXXX XXXX, I called regarding a return payment. I was frustrated with the woman because it was a script conversation and I wanted her to touch base with my bank. From there she put me in touch with another person that had no idea what the previous conversation was about. Just as I was, she seemed extremely frustrated. I explained that processing time with Capital One never seems to be correct so I paid my credit card roughly XXXX days in advance of when I would be paid because it will take XXXX for it to come out of my bank account and then another XXXX to post where Capital One gives my credit back. I explained that I didnt know it would be a return payment based on how long it has typically taken in the past. I could never get a direct answer on why its not done at the same amount of time each time. While on the phone, I also paid the entire bill again and it has cleared my bank. I go look today and without notice, they have shut down my credit card. No courtesy call or anything. After XXXX minutes of getting to the fraud line, the lady stated they have the right to close without reason at any time. I told her legally You should give a reason that isnt automated. She stated they closed my card based on XXXX return payments thats Ive had in a year. There was no explanation, no call, no detail and need I say, when there has been XXXX, its been immediately paid. I then asked her, the next person this happens to, do you all shut their card off after XXXX? She would not answer that. I told her it shows the company is not treating their customers fairly and wrongfully using the we can shut your card off at anytime umbrella comment when they please. I believe the worker I spoke with was upset with me and asked to have my card shut down but did it the following day to show it wasnt connected. I hope to prove this from her notes and the companies notes when they met in regards to closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
A debt has been placed in collections and listed on my credit report for rent recovery. The debt isnt my debt. The debtor is Rent Recovery Solutions on behalf of XXXX XXXX XXXX XXXX XXXX The acct is XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. The phone number is XXXX ext XXXX. The amount is {$24000.00}. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NV

Complaint narrative:
This is about XXXX XXXX a subdivision of PNC. They ceased operations on XX/XX/2023. My account was closed on XX/XX/2023 and I received notification that the account was closed. However on XX/XX/2023 they accepted my direct deposit from my employer. The money is in the account but I can not access it. I have tried multiple times to contact them but I get no reply. My employer said they need the bank to reject the direct deposit so they can re route it to my new account but my employer said the direct deposit was successfully received and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Attempted to use an American Express gift card to make online purchases and add to digital wallet. I attempted to contact customer service but was only met with automated responses. The card continues to decline at several online retailers for purchases that an amount below the balance on the card. Online and in their information provided American Express says that you are able to use the gift card digitally and add to your digital wallet without issues but this has not been the case. The card had a balance of XXXX and I was only able to make 1 purchase after trying to use the card at several retailers for small purchase amounts. This was a purchase at XXXX for XXXX The balance as of Friday XX/XX/2023 at XXXX XXXX  PST is now {$480.00}. I was able to load my card on to XXXX and XXXX and XXXX XXXX, but they did not allow me to make retail purchases at all. They did place small holds of XXXX cents and XXXX cents on the card respectively. Additionally, it would not let me add my card to digital wallets on XXXX  or XXXX, in order to make one time purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Hello, I contacted I C SYSTEM, XX/XX/XXXX in regards to a collection account that is on my credit file showing I owe {$180.00} for a XXXX Account from XXXX. I being charged for equipment that I returned

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 2023-09-29 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: Colony Brands, Inc.
State: MA

Complaint narrative:
I tried disputing through all the credit reporting agencies and they were told by the creditor XXXX XXXX the debt was verified. I tried contacting them XXXXXXXX XXXX for info about the debt and they wouldnt give me any and eventually hung up on me. I just noticed this on my reports and it was closed and charged off in XXXX. Because I have no idea what the debt was I disputed it and my score dropped almost a XXXX points just for asking for info about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry : 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

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 2023-09-29 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NC

Complaint narrative:
I am a victim of identity theft. I filed a police report and a FTC report and sent it to the credit reporting agencies. They are not processing my disputes correctly according to the FCRA and not attaching my paperwork to the disputes. And I am not getting copies of the verification process

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 2023-09-29 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

Complaint narrative:
I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX under account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a 1099C should've been filed and reported with the IRS by creditor. I never received a copy of this 1099C. Instead, XXXX is still trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. 15 USC 1681e ( b ) Compliance and Procedures states : ( 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. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that XXXX, Transunion, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, XXXX responded back by updating my account to CHARGEOFF status, which is a further violation of my rights as a Consumer. 15 USC 1681s-2 Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation Accurate : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX didnt receive a Form 1099-C, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my XXXX, XXXX, and Transunion Consumer Report immediately!

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 2023-09-29 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My contractor 's email was hacked and was not notified until after I sent a wire transfer of {$14000.00} as the deposit for the work being done on my home. I verified the email, signature line, etc. was correct before I sent my {$14000.00} wire transfer on XX/XX/2023. The following bank information was provided. The beneficiary for my wire transfer was XXXX XXXX XXXX XXXX. 

Bank Name : Chase Bank Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX Routing number : XXXX Unfortunately, Chase Bank accepted my wire transfer even though the account name was not XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, was able to recover {$4900.00}, but I'm still out {$9000.00}. Chase Bank should not have accepted the wire transfer since the account name did not match the account number. 

A report was filed with the XXXX XXXX Sheriffs Department : Case XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX W. XXXX XXXX XXXX XXXX XXXX ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
- On XX/XX/2023, I attempted to call EdFinancial Services after having called them 2 months prior. The phone number on their website was incorrect : XXXX Their correct number is XXXX, and it was not easy having to search on other websites for the phone number. 
- Upon trying to call EdFinancial Services, their call wait time was " XXXX minutes '', and lasted for more than XXXX hours. I then attempted to reach out to their customer service agents, and none of them responded. Their live chat feature does not even have any agents- it should be considered fraud at this point. 
- On XX/XX/2023, I looked up ongoing lawsuits against EdFinancial Services, and saw that the Consumer Financial Protection Bureau ( CFPB ) already filed a lawsuit against EdFinancial Services for lying about student loan forgiveness. Given the horrendously terrible customer service, I had the bright idea of filing a report in the hopes that it can be taken to legal action by CFPB against XXXX XXXX for misleading information associated with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 I notified XXXX that on XXXX separate occasions, there was fraud on my accounts and someone stole money. On XX/XX/2023 someone stole XXXX out of my account, On XX/XX/2023 someone stole XXXX out of my account. On XX/XX/2023 someone stole XXXX out of my account. They transferred the money to XXXX separate XXXX XXXX transfers. None of these XXXX XXXX accounts belonged to me. All three of these transfers were done online. Synchrony bank has credited my account XXXX back into my account, but they put a restriction on the account and wont let me have access to any of the money until the investigation is completed which could take up to 90 days. I need this money to pay my monthly bills and they won't let me have any of it.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Collection agencies reported old debt as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax must comply with my many previous written instructions to remove the inaccurate and harmful information from my consumer credit report, in accordance with the cingressional laws.

Company response to consumer: Closed with non-monetary relief