vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND SINCE I HAVE TO FIND MY INFORMATION HAS BEEN LEAKED THERE SEVERAL INQUIRIES AND A BANK ACCOUNTS ON MY CREDIT REPORT WHICH I NEVER AUTHORIZED. I HAVE SENT MULTIPLE LETTERS TO CHASE AND PROVIDED THEM WITH THE POLICE REPORT, AND FTC REPORT AND EXPLAINED THEM. BUT THEY ARE KEEP IGNORING MY REQUEST DUE TO THAT REASON. I'M TAKING A BIG LOSS FOR MY PERSONAL CREDIT AND FOR FUTURE BUSINESS CREDIT. I REQUEST TO DELETE AND BLOKE THE INFORMATION FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.

I contacted Transunion LLC and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have to been able to provide such proof to me.

This is a violation of the fair credit reporting act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-10-08 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
There are some hard inquiries on my credit report that I would like to be removed these hard enquiries do not belong to me. They are the result of identity theft

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 2023-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: NY

Complaint narrative:
In late XXXX of 2023, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at XXXX were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of 2023. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. XXXX never removed the debt after the consolidation with XXXX in XXXX of 2023. 
In XXXX I called XXXX and when I started to tell the representative XXXX XXXX ) about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with Experian. She said there was nothing, no accounts, listed on her records at XXXX under my name or of my husband 's. I am the co-signer. 
I then called Experian and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about XXXX. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXX, 2023, XXXX is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that XXXX removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.

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 2023-10-08 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
There are some hard inquiries on my credit report that I would like to be removed these hard enquiries do not belong to me. They are the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: Westlake Services, LLC
State: MI

Complaint narrative:
There are some hard inquiries on my credit report that I would like to be removed these hard enquiries do not belong to me. They are the result of identity theft

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 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/2023, a total of {$3400.00} was stolen from my account through my debit card information at two separate post office locations at the same time. On the same day, I called my bank and told them that money was stolen out of my account, and the representative claimed she stopped the payment, but it was still taken out. She said they would investigate the transactions. Since then, I have been chasing Chime to retrieve my money back, but they have not done a proper investigation and they did not issue me a provisional credit. I provided them a police report and an FBI investigation report to prove that I am a victim of fraud. I even went to one of the post offices where my money was stolen from, and they said to go back on XX/XX/XXXX and that they may have more information at that time. They also stated that Chime has not contacted them. However, they still refuse to comply with any of my request. Every time I call Chime, they seem clueless, keep transferring me to different individuals, and even though I provide them a case number and ask for the status, they keep saying they don't know, and have no access to my case or account information. It has been almost 2 months now and I still have not received my money back. I know that they are violating Reg E and UDAP. I am hoping the CFPB would help in this matter. I will also take this complaint to their banking partners, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
I had put in an application for a revised income base repayment plan based on the new SAVE repayment plan. This was done to reduce my payments. I completed the application on XX/XX/2023 on the Department of Education 's website. The request was sent to my servicer Aidvantage. They had received the application on XX/XX/2023 according to the Department of Education. I had received correspondence from Aidvantage on XX/XX/2023 that they had received the new income driven plan. There was nothing that I had needed to do on my end since I had consented that the Department of Education could request my tax return from the IRS. The timeframe to process the request according to the Department of Education was four weeks. It has been six weeks since I had sent in my application. I have not heard from the servicer. I had tried to contact the servicer and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
To Whom It May Concern, I recently received the outcome of my disputes multiple times ( XXXX, XXXX, and XXXX ) and keeps coming back verified with new evidence submitted. I found that they are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF XXXX XXXX I have enclosed a paid off letter as a proof. 

XXXX XXXX XXXX XXXX XXXX Date Opened XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX  Compliance reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standard of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate. compliant, and verifiable. 

Thank you for your time and help at this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has Violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX, XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX acct : # XXXX, XXXX XXXX XXXX acct : # XXXX, XXXX acct : # XXXXXXXX XXXX XXXX  acct : # XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date : XX/XX/2018. 

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

! 5 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ID

Complaint narrative:
Nelnet is splitting my overpayment 50/50 between two loans so they can collect more in interest over the longterm instead of applying my overpay 100 % toward the loan that is stated in my " Special Overpay Instructions '', I made this change several weeks ago but still they decided to split my overpay 50/50 On top of they are hiding behind " unprecedented volume '' as an excuse to not provide reasonable response times. Absolutely ridiculous considering they had several months to prepare for loans entering repayment this month. 

It's a complete joke that the federal government protects their contractors and their disgusting profiteering antics instead of protecting individuals who can't afford millions of dollars in lobbyist money to influence the government like your contractors can

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
In late XXXXXXXX XXXX XXXX, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at EDFINANCIAL were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of XXXX. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. EDFINANCIAL never removed the debt after the consolidation with XXXX in XXXXXXXX XXXX XXXX 
In XXXX I called EdFinancial and when I started to tell the representative XXXX XXXXXXXX XXXX  about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with XXXX. She said there was nothing, no accounts, listed on her records at EDFINANCIAL under my name or of my husband 's. I am the co-signer. 
I then called XXXX and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about EDFINANCIAL. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXXXXXX XXXX EDFINANCIAL is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that EDFINANCIAL removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX, has 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 1692b acquisition of location information by debt collectors.

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 2023-10-08 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: Concord Servicing Corporation
State: WI

Complaint narrative:
Blackwell Recovery is not authorized to use my info for any reporting and refused to disclose why they are attached to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


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 2023-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: NJ

Complaint narrative:
I have submit a dispute to the credit bureau, for this medical billXXXX XXXX XXXX XXXX keeps being reported on my credit over an over every month. Submitted dispute threw credit karma to all three credit agency. No action has been taken. I can not pay the bill for XXXX dollars plz help me Remove this permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have tried to make payments on my student loans through my loan servicer, Aidvantage. The first attempt occurred on XX/XX/2023 for the full amount of my loan, which was {$50000.00}. The payment was reversed, and I thought it was due to making such a large payment with a newly attached account through XXXX. The second attempt occurred on XX/XX/2023 in the amount of {$5000.00}. I received an email confirmation that my payment was received and posted. When I checked my account today, I found that the payment was reversed, again, without any email notification, and my account shows that I missed a payment. However, there was a document in my inbox in my Aidvantage account that stated that the payment was denied because of an incorrect account number. However, my account number that I linked to make payments is correct. I have tried to call Aidvantage multiple times but am unable to speak with a representative after waiting on the phone for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
Last statement received was from Novad in XXXX, XXXX. Apparently their is a new loan servicer, XXXX. Contacted them on XX/XX/XXXX. They requested additional information which was provided on XX/XX/XXXX. It has been 3 months and no information has been provided or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: U.S. BANCORP
State: NJ

Complaint narrative:
I contacted Elan Financial Services who is managing a credit card for Fidelity Investments in XX/XX/2023 to dispute a claim with XXXX XXXX XXXX in XXXX XXXX, Florida. 
On XX/XX/2023, Elan Financial Services decided to not dispute the charge claiming that it was beyond a 60-day period.

According to Fidelity Visa Signature Card Agreement, they state that If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Nowhere within their Card Agreement does it state a 60-day period to dispute. 
When I approached them about this, they reopened the dispute on XX/XX/2023. 
On XX/XX/2023, Elan Financial Services stated in writing that " we are unable to assist you in resolving your dispute as you received the services represented by the transaction ''. I never received services. I am disputing a product that doesn't work. They stated to me on the phone that the matter was closed because there is a no return policy with XXXX XXXX XXXX therefore, they are closing the dispute. What is the reason? A service or product. Prior to this, XXXX ( Dispute Supervisor ) stated to me and my husband, XXXX XXXX that they will force XXXX XXXX into arbitration and that the no return policy didnt matter. I told XXXX that I have emails stating that XXXX XXXX will allow a return but for only {$2500.00} if I drop the dispute. XXXX advised me to not drop the dispute because I would not be allowed to reopen the dispute. At one point, XXXX, and XXXX ( Dispute Supervisors ) started attacking my character and were yelling at me. They made a complete 180-degree change in attitude. 
On a recorded line with XXXX XXXX of XXXX XXXX XXXX XXXX and myself, we together called Elan Financial Services and asked to speak with the dispute department and they refused to speak with us. We called twice. 
Elan Financial Services has been combative and argumentative and unwilling to look at the emails and documentation sent to me from XXXX XXXX XXXX. XXXX and XXXX ( Dispute Supervisors ) at Elan Financial Services are acting as if they never read any documentation I submitted.

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 2023-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation