vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
Hi Respected Sir/Madam, I am customer of JP morgan chase checking account since year XXXX. Recently, I requested dispute of {$20.00} fraud transactions made on my JP morgan college checking account and they refused my dispute by stating that this transaction was authorized by me. Here is the detailed information : On XX/XX/XXXX XXXX, I noticed that there was fraud transactions of {$20.00} made on my checking account from " XXXX 's XXXX, XXXX, IL '' so i filled a dispute with chase for that transaction since i was with my family on that day in XXXX XXXX area ( specifically at XXXX XXXX, XXXX, IL ). 

On XX/XX/XXXX XXXX, I got confirmation from chase by stating that they are looking into claim and assigned me the temporary credit of {$20.00} for that transaction. 

On XX/XX/XXXX XXXX, I got another letter from chase which is stating that this transaction was authorized by me. 

On XX/XX/XXXX XXXX, I called the JP morgan dispute call center where they are saying that this transaction was made/authorized by me with the same XXXX XXXX which was used for my XXXX ride on that day ( which i used for going to XXXX XXXX, XXXX, IL ). 

On XX/XX/XXXX, I am filling claim with CFPB for helping me in this situation. 

I am aware about that this is just XXXX $ claim but i am seeking help to prevent this for any another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
Initiated a balance transfer from Discover to XXXX. 
The funds posted to my Discover account on XX/XX/XXXX. 
XXXX never received the funds. 
Discover confirmed that the account number provided was " off by XXXX '' which is ridiculous as that is easily verified using a checksum ( XXXX algorithm ). 
Can not start looking into the matter until 8 days have passed but the amount has conveniently been added to my Discover balance already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: IN

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.

has violated my rights. Or a list of inquiries : 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 2023-10-13 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: EdFinancial Services
State: FL

Complaint narrative:
Ed Financial increased the limit of my loan without my permission. I only found out from an XXXX credit alert. 
I wrote an email demanding they revert it back to the original amount. They have not done so, its been 6 weeks since I emailed my request.

Additionally, I made my new payment before my due date and they charged me {$29.00} of late interest! 
I demanded they refund it but they have not done so. 
It is impossible to get them on the phone and they do not answer emails. Basically, they are scamming us even as we TRY to make our payments. THIS IS WRONG. Additionally, they offer no help or guidance for Parent Plus loans under Biden SAVE etc programs to reduce payments. Ed Financial is scamming us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX i sent an application to the lender to keep my property, On XX/XX/XXXX i was approved for a Repayment Plan with a payment with the double amount of my previous monthly payment and i requested to extend the time for my repayment plan to XXXX  months and they denied, i am XXXX XXXX XXXX and my wife XXXX XXXX XXXX, we are retire and we make a big effort to pay our home and subsist, eventhough they did not want to extend the time of the repayment so the monthly payment could be less i accepted the terms and started to work more time no matter my age, XXXX weeks after my wife XXXX with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; we went at the XXXX  and she got XXXX XXXX, i had to stop working as we do not have children nor family i had to take care of her and started living with our savings so i was not able to make the first payment for the Repayment Plan i was approved for, so i submitted a Dispute on XXXX requesting to be reconsiderated for the repayment plan and on XX/XX/XXXX the Rep called XXXX told me i needed to pay in a one time payment {$25000.00} to see if they can considerate to give me the repayment plan again ; i was not able to make that amount of payment, i am XXXX XXXX XXXX, my XXXX  XXXX and we do not have family, i only have to her, i have XXXX jobs to be able to provide a home to my lovely XXXX, so i sent again a Modification Application to see if they can consider me for another option, they approved my Repayment Plan to continue, i had to make my payments on the XXXX of each month, i sent my payment on XXXX and they did not accept my payment cause it was XXXX  days later, i did not know there was not grace period, is under the same month, i requested to be considerated to continue with my repayment plan and they are just giving me the option to sale my home. That is not an option, i am retired and elder person, i do not have family, nor another property, if they sell my home, i will need to be homeless as i do not have money to pay another home, i have XXXX jobs to pay my property, and my wife is sick as a consequence for the XXXX XXXX, please help me to keep my home, i will contact the news or send letters to the XXXX XXXX  to make this lender give me a real solution. There is not way they quit my home as this is where my wife and i live, please help me!!! They do not give me another option besides to send checks, there should be automatic payments or payment over the phone, things can happen, it would be illegal for them to quit my home for sending my payment only 5 days after the day, i will have to request help on the TVs or XXXX XXXX  to keep my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted XXXX  credit bureau XXXX XXXX credit bureau and XXXX experian credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am not liable for this debt with JEFFERSON CAPITAL SY. I do not have a contract with JEFFERSON CAPITAL SY. JEFFERSON CAPITAL SY did not provide me with the original contract as I requested. I do not owe this debt and that made me to dispute it when I saw it on my credit report. JEFFERSON CAPITAL SY is supposed to provide me with the debt validation which they don't have. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), JEFFERSON CAPITAL SY is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.Under the FCRA, unverifiable accounts must be removed and if JEFFERSON CAPITAL SY are unable to provide me a copy of verifiable proof, JEFFERSON CAPITAL SY must remove the account mentioned within 10 days, otherwise according to 15 USC 1692 I will sue or file an FTC report against JEFFERSON CAPITAL SY which has damaged my reputation, caused me serious mental stress, and affected my character by 1 ) reporting unauthorized debt on my credit report 2 ) ignored my humble request to remove this unauthorized account under the fair credit reporting act ( FCRA ) as my legal right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: SC

Complaint narrative:
THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS 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 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hampton & Hampton Collections LLC
State: FL

Complaint narrative:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-13 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet has been an absolute XXXX  of information. 

- I wasn't able to get a clear answer on a serious concern before having to finish my XXXX  XXXX  consolidation paperwork - you can not get a phone agent on the line AT ALL. Everytime I call them I'm on hold for more than XXXX minutes, up to an hour and a half. 

As of today, I was on hold for XXXX minutes on XX/XX/XXXX. I was told my XXXX XXXX consolidation ( in order to enter the XXXX XXXX  ) would be processed by XX/XX/XXXX. There is no information on the status of my application. I only have until XX/XX/XXXX to submit my standard XXXX form if the XXXX request hasn't been approved. The Student Aid.Gov site just has it stalled " In review ''. NELNET WON'T ANSWER THEIR PHONE. 


I don't know how many XXXX months of Nelnet never answering their phone it will take before the government investigates and cancels their contract. They are completely derelict in providing any shred of customer service at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: AZ

Complaint narrative:
There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-10-13 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: MA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX  open date XX/XX/XXXX. 

XXXX XXXXXXXX open date XX/XX/XXXX. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any 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 non-monetary relief
Consumer complaint received 2023-10-13 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: MA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX  open date XX/XX/XXXX. 

XXXX  XXXX open date XX/XX/XXXX. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue

Company response to consumer: Closed with non-monetary relief