vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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:
I have accounts opened in my name while I was XXXX XXXX XXXX, XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I have accounts opened in my name while I was XXXX, XXXX XXXX, XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Myself ( XXXX XXXX ) and my now Ex ( XXXX XXXX ) went to rent an apartment at XXXX XXXX. 
We Signed a XXXX with the employees at the property but the lease signed was not a legal lease with the company that actually owned the properties which is XXXX XXXX XXXX. 
The employees claimed they were the owners of the property. 
XXXX XXXX XXXX has no records that I signed a lease with them. 
We paid for XXXX months rent and all other payments using money orders, all of which were cashed in by the employees but were out into the employees private ledger and was not sent to XXXX XXXX XXXX. The employees filed an eviction through the courts after stating they never received payments from us. 
we contacted the FBI and an investigation was filed. 
we went to court and the employees ( plaintiffs ) mid court proceedings tried to change the case from summons of eviction to summons of collection, which did not reflect on the court documents. 
Employees admitted to having private ledger and putting payments into it. 
Employees did not nor could not validate the signed lease as signed with Management resource development. 
The judge sided with the plaintiffs but gave no verdict nor reward and told me and my ex that of we moved from the property before the XXXX of XXXX ( which we did ) then we were not obligated to any payments and the plaintiff/employees agreed yet still filed an unlawful collection for an unlawful lease. More information can be given at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Using citibank credit card, my flight was booked incorrectly by XXXX XXXX. When I booked the flight, i booked for XXXX passengers. XXXX didn't send any email containing passenger details. They just mentioned flight number, date and confirmation number. On the day of travel, when I tried to check in online, it issued only XXXX boarding pass. Upon contacting XXXX they said it wasn't booked for XXXX passenger and then they started asking for proof, how can i give proof if they never sent comprehensive email with correct details? They admitted the mistake but still they are refusing to refund my amount and I ended up following up with them and credit card company. They didn't care much and closed the dispute in favor of XXXX XXXX while the credit card companies claim that they help with travel issues etc!. At the last minute, I had to travel with expensive end moment tickets. This is so unfair and unethical practice by airline and unsupportive credit card companies. I have lost {$540.00} and had to spend additional XXXX for new last minute tickets.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I have a personal loan that I took out, but recently having issues paying the monthly bill. I went through their process to see if I qualify for any help or assistance but they told me no. however, I get daily calls and emails that they are willing to help, but when I try there is no actual help. Via phone they send me to the hardship dept which can't help as i still have a full time job and they only help if i loose my job. I asked them why they keep telling me they are willing to help if they are not. I can't get caught up if my payments are so high as well as interest and late fees. My XXXX XXXX when from XXXX to XXXX in XXXX year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cheadle Law Firm
State: TN

Complaint narrative:
I first was notified I was being sued on behalf of a credit card debt that was accumulated during Covid and the lawyers that XXXX XXXX ( XXXX  the credit card was through ) sent a summons to appear in court. The first appearance I asked for PROOF of the debt because it was almost double the initial amount borrowed! Therefore another court date was set about four weeks later and at that time I was persuaded to negotiate a payment plan to adhere to in which I did until one day I checked my bank account and it was XXXX. They levied over $ XXXX out of my account even though I was making payments! I never agreed on a judgment and have been continuing to try and fight this as they refused to settle for anything less than the doubled amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had several issues related to my JPMorgan Chase Business Credit Card. 

XXXX. During the pandemic they offered a relief program to me. They offered to waive a certain amount of payments and then came back and decided not to waive the last payment that they advised that they would as a result I was charged numerous late fees. 

XXXX. Most recent issue- Due to the above issue and in an effort to get the account back current and avoid the monthly late fees, I agreed to a pay back program back in XXXX and signed up for what was told to me to be a required monthly automatic ACH payments. The payments were made monthly with no issue for almost 2 years. In XXXX XXXX I contacted customer service, one, to try to see if there was a different payment plan/settlement option available due to the business no longer being in business, I was told no. Next, I requested to update the bank account on file. I was told on the call that they were having system/technical issues that week and as a result they could not remove and/or add a new bank account. They requested that I call back in a couple days, in which I did. I called at least XXXX more times on different days requesting to remove the existing bank account from automatic payments. Each time, I was told the lie that there were having system issues. 

Fast forward, I contacted my bank ( non Chase ) to try to stop the payments and at that time I was advised by my bank that JP Morgan Chase was not doing a normal ACH draft, that they were drafting checks, creating check numbers and as result there was no way for my bank to stop them from making drafts from my account. My bank advised the only option for me was to close my entire bank account and get a new account/account number. I contacted JP Morgan Chase one more time before doing this and I was still told they would not remove my bank account from the automatic drafts. As a result, I had to close my entire bank account, in which I had for YEARS. 

At this point, I feel that JP Morgan Chase has utilized illegal tactics to obtain monthly payments. I am not comfortable with providing JP Morgan Chase with my new bank account number as I do not want JP Morgan Chase to draft checks off of my account and then I know they will refuse to allow me to remove/make any changes. I do not want to have to close my bank account again. By the way, I was told that I had no choice but to sign up for automatic payments. 

JP Morgan Chase has left me with no options to pay the bill, is reporting me negatively to the credit bureaus and the reporting is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX called to speak to someone hung up the phone in my face XXXX never updates the credit report XXXX insist 's that the report is outdated but keep wanting money to update it XXXX all the accounts are more than five to six years old

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/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 explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: DE

Complaint narrative:
Vance & Huffman LLC is a company on my credit report in which I have no knowledge of. I didnt receive any debt validation information, or any correspondence from them. This company has violated my consumer rights. The amount being reported isnt accurate Ive never had any accounts with a balance as such. I disputed this and it was removed. But once again reported. I want this addressed asap and this company is to remove this off my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: VA

Complaint narrative:
1 ) Selene perjured itself in its previous response. It had not and has not been sending correspondence ( including monthly statements ) to our lawyer. Selene only sent three pieces of correspondence after we posted our complaint with CFPB on XX/XX/24. That correspondence included only the same XXXX items that we received : the updated escrow analysis we requested, and XXXX erroneous statements that both indicated that we are behind on our mortgage by XXXX payment ( See Attached XXXX XX/XX/XXXX for XX/XX/XXXX bill ). We are still not receiving monthly statements ; this is a violation of federal law. We would like Selene to send our monthly statements directly to our residence XXXX ) We overpaid our mortgage payments for the first XXXX months of the year by {$110.00} because Selene failed to inform us of the new lower payment that took effect at the beginning of the year. We would like to know how Selene applied those additional funds ; we would, of course, like those funds to be applied to our principal balance. 

3 ) Selene has not responded to our qualified written request for information about our account. We sent this request via certified mail ( see attached Letter to SeleneXXXX XXXX ) on XX/XX/XXXX to Selenes recommended address for customer service inquiries ; however, Selene did not sign for the letter until XX/XX/XXXX. Furthermore, Selene has not sent a response to this qualified written request. At this point, we have been waiting for answers to our questions for more than 90 days, which is a violation of federal law. The principal purpose of this letter was to request a complete list of all fees and additional charges ( aside from interest ) that have been charged to our account since Selene started servicing our loan ( including an explanation for every fee and additional charge ). We request that Selene send us this requested information about our account. 

4 ) The most recent statement that we received from Selene indicates that they have lost or misapplied XXXX of our mortgage payments. Although we included this same information in our CFPB complaint of XX/XX/24, Selene has failed to resolve this issue as far as we are aware. The result is added confusion about charges, payments, etc. Selenes long history of this behavior makes it appear that it is intentionally causing confusion to its customers in an attempt to collect extra fees or force its customers into delinquency. 

XXXX ) If you are the Selene employee reading this letter, you can anonymously report any suspected criminal activity by Selene at XXXX or you may contact the office of the Attorney General of the XXXX of Virginia at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : 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 2024-06-28 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: FL

Complaint narrative:
The account : Law offices XXXX and XXXX XXXX XXXX account : XXXX is reporting on my XXXXand XXXX credit report ( see attached ) its not showing on Equifax so before it does I request it be blocked as well. I am DEMANDING you follow the law and delete, removed, and Block this accounts. Due to these reasons : 1. They are using deceptive tactics to try to collect by lying and saying they are the original creditor but yet is the collection agency which they are not ( see attached ). Furthermore I see its a medical company originally which is a violation of my hippaa rights as I did not give permission to share information. 
They are also in clear violation of consumer law 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
The account : Law offices XXXX and XXXX XXXX XXXX account : XXXX is reporting on my Experianand XXXX credit report ( see attached ) its not showing on XXXX so before it does I request it be blocked as well. I am DEMANDING you follow the law and delete, removed, and Block this accounts. Due to these reasons : 1. They are using deceptive tactics to try to collect by lying and saying they are the original creditor but yet is the collection agency which they are not ( see attached ). Furthermore I see its a medical company originally which is a violation of my hippaa rights as I did not give permission to share information. They are also in clear violation of consumer law 15 U.S.C 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: PA

Complaint narrative:
My credit report is showing unauthorized, unverified inquiries that is hindering me from being able to utilize my credit. Listed below will be the inquiries as well as date opened and the credit bureaus that it needs to be removed from according to the FCRA. XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report is showing unauthorized, unverified inquiries that is hindering me from being able to utilize my credit. Listed below will be the inquiries as well as date opened and the credit bureaus that it needs to be removed from according to the FCRA. 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation