vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB management services, account number XXXX I have filed an identity theft report, I have asked this company to cease & desist all communications which they havent, I have asked this company to provide me with contract signed by all parties involved in this debt which they havent, this is a third party company I have no original contract with and my information have been sold to this third party company against my will and without my consent my consumer rights are knowingly violated by all parties involved in this account debt, this company also continues to contact me after I demand them to cease and desist all communications with me. 15 USC 1692 ( c ) ( a ), 15 USC 6802 ( B ) ( 1 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( b ) ( 2 ), & 15 USC 1692 ( g ) ( b ) have been violated by this company. My last request for this company to cease & desist all communications with me and I demand this company to delete or request to delete this account from all 3 credit bureaus immediately and this account is under investigation and this company will be subpoenaed to civil court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My student loans show deferred with payments to begin XX/XX/2025 yet my student loan account is paid in full see photo attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I use world remit to send money, while I was using their app, it kept saying that make sure the receiver information was correct, so it said money send and then it said payment failed, but when to my XXXX XXXX account and worldremit already took the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding the reporting of late payments to the credit bureaus on my account. I have been diligently maintaining my payments and have never missed a payment deadline. 

Upon reviewing my credit report, I was astonished to discover that late payments were reported for XXXX and XX/XX/. I must stress that I have always adhered to an income-driven payment plan as a low-income student. As such, the reporting of late payments is entirely inaccurate and does not reflect my payment history. 

I have made previous attempts to rectify this issue through your customer service channels, but unfortunately, I have not received satisfactory assistance. I am genuinely concerned about the impact this misinformation may have on my credit score and financial standing. 

I kindly request your immediate attention and action to rectify this error. It is crucial that these inaccuracies are promptly corrected with the credit bureaus to accurately reflect my history of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have a complaint regarding Chase bank not following the Card Act. 

https : //www.consumerfinance.govXXXX  My latest statement had a balance of {$12000.00} with a minimum payment of {$290.00} I had a balance transfer with a 0 % promotional rate and deferred interest that is set to expire on XX/XX/XXXX  with {$3100.00} remaining. 

According to section 1026.53 ( b ) within the last 2 billing cycles the payment : The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; I made a payment of {$3500.00} on XX/XX/. Subtracting the minimum payment of {$290.00} that would leave {$3200.00} to be applied to remaining balances. 

This amount should have covered the entire balance of {$3100.00} that was subject to deferred interest before the rest of the payment would be applied to my main balance. 

I contacted Chase and they told me they applied the excess payment to the highest interest rate ( purchases ) instead of following the card act and applying it to my deferred interest offer balance that had less than a month left. 

This leaves me with a balance subject to deferred interest within the last 2 billing cycles even though I paid more than the required amount and Chase should be following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had written a check for {$500.00} to XXXX XXXX for an advance for purchase of a puppy on XX/XX/2023. This was in addition to {$250.00} that I had paid to him through XXXX XXXX as an advance. 
I decided to not buy the puppy from him and informed him about this on phone on XX/XX/2023. 
I also requested him to tear up the check and he agreed. 
As a precaution I also asked Wells Fargo to stop payment on the check- the bank charged me {$10.00} for this service and stopped payment on the check for 6 months. 
At end of 6 months I checked on the banks website and saw that personal checks are valid for 6 months only so I did not feel the need to ask for another stop payment and pay {$10.00} again. 
XXXX XXXX cashed the check at a branch of Wells Fargo on XXXX XXXX. 
Wells Fargo should have not honored the check since it was more than 6 months old. 
Also they should have asked me since I had stopped payment on the check before giving {$500.00} to XXXX XXXX. 
I complained about this to Wells Fargo on XX/XX/2023 and on XX/XX/2023 they sent me a letter saying that they wanted me to resolve the issue directly with XXXX XXXX. 
I have been a victim of unfair and careless and irresponsible behavior by Wells Fargo and they should refund {$500.00} to me- they should not have honored a check more than 6 months old and on which I had already stopped payment once.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding the reporting of late payments to the credit bureaus on my account. I have been diligently maintaining my payments and have never missed a payment deadline. 

Upon reviewing my credit report, I was astonished to discover that late payments were reported for XXXX and XX/XX/. I must stress that I have always adhered to an income-driven payment plan as a low-income student. As such, the reporting of late payments is entirely inaccurate and does not reflect my payment history. 

I have made previous attempts to rectify this issue through your customer service channels, but unfortunately, I have not received satisfactory assistance. I am genuinely concerned about the impact this misinformation may have on my credit score and financial standing. 

I kindly request your immediate attention and action to rectify this error. It is crucial that these inaccuracies are promptly corrected with the credit bureaus to accurately reflect my history of timely payments.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding the reporting of late payments to the credit bureaus on my account. I have been diligently maintaining my payments and have never missed a payment deadline. 

Upon reviewing my credit report, I was astonished to discover that late payments were reported for XXXX and XX/XX/2017. I must stress that I have always adhered to an income-driven payment plan as a low-income student. As such, the reporting of late payments is entirely inaccurate and does not reflect my payment history. 

I have made previous attempts to rectify this issue through your customer service channels, but unfortunately, I have not received satisfactory assistance. I am genuinely concerned about the impact this misinformation may have on my credit score and financial standing. 

I kindly request your immediate attention and action to rectify this error. It is crucial that these inaccuracies are promptly corrected with the credit bureaus to accurately reflect my history of timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i recieved a copy of my credit report and noticed some accounts the are not mine i never used

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 2023-12-08 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: CA

Complaint narrative:
My student loans show deferred with payments to begin XX/XX/2025 yet my student loan account is paid in full see photo attached.

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 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My bill charged extra, fraud selling from Capital one Account number : XXXX Vehicle XXXX XXXX XXXX They make so tens, I would like to paid off total XXXX but they are cheating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items deleted from my credit reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/XXXX  XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRSXXXX XXXX XXXX ( XXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRSXXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have asked nicely on XX/XX/2023 Transunion to provide real documentation that the data furnisher provided to Transunion that verifies that those account belong to me. I require the signed original contract, the annual privacy notices, the opt out notice of non public information being shared> the right to opt out notice written by me. Till this day Transunion just steps allover my consumer rights as they please. Transunion and the data Furnishers are both in collusion with each other this make them liable under section section 623 FCRA violation.

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