vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged on XX/XX/XXXX for the amount of {$6600.00} for goods or services that were misrepresented. 

I opened my dispute on XX/XX/XXXX with Visa Chase Card Services. On XX/XX/XXXX Chase sent me a letter stating if I want to continue the dispute and that the merchant has provided information showing they believe the charge is valid. I wanted to continue the dispute and filled out the paperwork and sent it back immediately. 

On XX/XX/XXXX I received another letter from Chase stating they considered the charge valid and they included pictures of documents that have nothing to do with us, there is a picture saying XX/XX/XXXX pickup from XXXX XXXX XXXX XXXX XXXX which is not us. There is also a receipt showing {$4000.00} XXXX which is {$200.00} XXXX XXXX  and there is no explanation for what this charge is for. 

I then called the Chase dispute line and they said to fax a letter that I signed saying I was not happy with the resolution and they needed to reopen the dispute. I faxed this letter multiple times on XX/XX/XXXX and on XX/XX/XXXX. I have XXXX confirmations that I sent by fax and they were received. I called to see if they received the fax and they said no and to upload it on their app so I did that. 

Then I received a letter from Chase on XX/XX/XXXX that again they confirmed the transaction I disputed was valid and that they contacted the four credit reporting agencies. 

I turned in all supporting documentations and shared what exactly happened in detail. They said the dispute outcome was that the charge was valid. Charges were made for goods or services that were misrepresented. 

They did not read my claim information at all. The documents from the merchant show some other amount and information unrelated to this dispute. Chase did not even read it or go over my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized Credit Inquiries on my Experian, and XXXX XXXX XXXX credit files. I checked my personal credit report, and noticed these inquiries had been placed on my consumer credit files. 

I request the removal of all unauthorized and outdated credit inquiries. Per the Fair Credit Reporting Act 15 USC 1681 they are in violation of the FCRA. 

Experian : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-09-29 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: FL

Complaint narrative:
I am a victim of the XXXX data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was changed and I recently contacted the credit bureaus in having this fixed. On my credit report there is a collection account from an organization called XXXX XXXX. They are saying that I owed the original creditor XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$1600.00}. I never used any products or services from any of these organizations but I am a victim of Identity theft. 

I have notified the relevant authorities of the matter so that they can conduct their investigations into the matter.

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 2024-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was changed and I recently contacted the credit bureaus in having this fixed. On my credit report there is a collection account from an organization called XXXX XXXX. They are saying that I owed the original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00}. I never used any products or services from any of these organizations but I am a victim of Identity theft. 

I have notified the relevant authorities of the matter so that they can conduct their investigations into the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My wages are being garnished ; I have no idea who creditors are, the only information noted is last notification was in 2016. The plaintiff is Midland Funding - The attorney office is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX License No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I had an upgrade loan being used for debt consolidation. In XX/XX/XXXX I was approved to make lower payments for 6months due to a hardship and was told as long as those payments were on time it would report positive standing which I did by having the payments on autopay drafting on the due date the XXXX of each month. I paid off my loan in full XX/XX/XXXX 1 month before the final payment in the installment was due and it incorrectly reported 5 late payments even though I was never late. I contacted UPGRADE and they advised they were aware of error and would fix it within 45-60days. I've called multiple times and each time they verified it was an error and confirmed no late payments, they provided an email confirming there was an error and updated XXXX and XXXX to reflect the correct payment history, but XXXX is now showing 90day late payment. The negative/incorrect reporting has been very damaging to my credit, and I don't understand how it could continue be updated incorrectly. I feel I am being finished for doing the right thing and paying off a debt early because of the really high payments and interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've contacted Equifax several times about them removing accounts without my permission or consent. Several accounts were disputed without my permission and XXXX XXXX was notified no one as well did anything the online portal doesn't allow me to make proper dispute some accounts, I'm not allowed to dispute I've called and informed them of the problem and with no resolution. Equifax has removed accounts without my permission without me consenting when I contacted them and made them aware of the situation, they told me that they would fix it. I since checked and nothing been done about the situation. My credit file has not been properly updated I have purchased tradeline for my credit file to help repair my credit as well became an authorized user on XXXX Credit Card and XXXX Credit card these accounts have never been reported at all since that unauthorized dispute that I never l gave permission for Equifax to open. I have contacted Equifax several time about this situation a bunch of broken promises. Since that unauthorized dispute done without permission nothing been reporting correctly and contacted them several time, I'm on the phone with customer service over hour sometimes 2 not to come up with ANY SOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: LA

Complaint narrative:
I legally broke a lease with XXXX XXXX XXXX and paid the lease break fee and final rent and utilities prior to moving out. A mont after i moved out i received a bill for these same fees from the apartment complex. I made numerous attempts to contact the complex to get this rectified but was never able to get anyone to respond or help me. I the received a notice from IQ Data international for this same debt. I contacted them within the 30 days to dispute and submitted proof of payment via multiple emails they provided. They still sent me to collections after numerous attempts to contact them to clear this up. I have provided in the document below a full timeline of all efforts and communication as well as bank statements and even confirmation from the apartment complex via email of the payments. I am happy to provide any other data such as phone records, original documents, or anything else. I paid this debts in full before the due date and this should never have gone to collections and when i submitted this data to collections they should never have turned me into credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to Equifax requesting that my file be unsuppressed, as it was delaying my home-buying process. I also spoke with a representative who confirmed that my letter was received and assured me that my credit file was no longer suppressed. However, when my lender conducted a soft pull, they received an error message indicating that my file was still suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Hello, the company called Portfolio Recovery Associates , LLC is trying to hinder me by telling me that they are going to demand if I do not pay the bills they have in my name and I have never done business with that company which I do not owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: PA

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 15 USC 1681. Act The Bureaus, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX, we have been paying {$1900.00} every month -- have not skipped a month. Then XX/XX/XXXX, Nelnet says there is accrued interest through XX/XX/XXXX of {$26000.00} added to our loan -- between interest during Covid and this new accrued interest we went from owing around {$200000.00} -- to now owing around {$270000.00}. We will never be able to pay this loan off--

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The hard inquiries mentioned are not recognized or authorized, therefore I would like them to be removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I was trying to apply for a loan and was told that I have a 30-day or more late payment with Mr. Cooper ( XXXX ) on my credit report for XX/XX/XXXX, which is impeding my load application. I dealt with this issue for several weeks with Mr. Cooper in XXXX XXXX XX/XX/XXXX. I placed a dispute through the XXXX major credit reporting agencies and made a formal grievance through the Consumer Financial Protection Bureau. 

In XX/XX/XXXX, my husband, XXXX XXXX paid Mr. Cooper {$2800.00} ( when Mr. Cooper had a security breach ). I found out in late XXXX XXXX that the XXXX payment was not received by Mr. Cooper, even though my bank, XXXX, stated that they paid an online bill ( see attached letter from Chase ). After going back and forth with Mr. Cooper, it was determined that the check sent by my bank, XXXX, was never cashed by Mr.Cooper.Mr. XXXX told me that when I made my XXXX payment, it was used as my missing XXXX payment. After finding out that the XXXX payment was never received, I immediately stopped payment on the check sent in XXXX and sent Mr. Cooper another check for {$2800.00}. 

I have always made timely payments to Mr. Cooper. Mr Cooper informed me that this issue would not negatively impact my credit and that my account would not reflect any late payments. I received the included letter from Mr. Cooper on XX/XX/XXXX, stating that an update was submitted to the credit reporting agencies ( see attached letter ). I am finding out from XXXX, XXXX, and XXXX that Mr. Cooper never notified them to update my account as current, in good standing, with no late payments, or missed payments.Please advise. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to the Fair Credit Reporting Act ( Fora ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from 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
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have repeatedly requested that fraudulent information be taken off my credit report. Old information also keeps reappearing on my reports which doesnt belong to me or is inaccurate. I have reported that an imposter has used my credit to open accounts and report inaccurate information. My credit has been damaged for over 10 years or more due to these errors and inaccuracies.

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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Threaten to levy my bank account. XXXX on XXXX as my only income.

Company response to consumer: Closed with explanation