vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey I really think something is wrong here I recently checked my credit report and Im continuously seeing inaccurate and inconsistent information on this account and Im just requesting for you to please take some time to look into these inaccuracies please. I do understand stand that you have 30 days to reply I really look to hear from you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: TX

Complaint narrative:
XXXXXXXX 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 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
Jefferson Capitol is attempting to collect a debt that was one never validated and letters sent with no response with in 30 days and was deleted as a trade line which was in response to an earlier CFPB complaint XX/XX/22 which I will attach, where they had violated several FCRA laws and still are. I believe they are also using the same account they failed to provide proof or evidence over in a timely manner and just changed the debt name from XXXX to XXXX which would be Jefferson capital committing fraud as I have never held a sprint account I believe they are falsely claiming this debt and need to be thoroughly investigated. They have harassed me in the past but could never validate any debt claims or respond in a timely manner. Jefferson capital should be fined to the fullest extent that the law allows and be made to pay restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Illegal reporting to 3 major credit reporting agencies XXXX FUNDING -NO VALADION OF DEBT PROVIDED UPON XXXX FUNDING - NO VALADION OF DEBT PROVIDED UPON XXXXXXXX XXXX XXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXXXXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX / XXXXXXXX XXXX has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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:
Illegal reporting to 3 major credit reporting agencies XXXX XXXX XXXXNO VALADION OF DEBT PROVIDED UPON XXXX XXXX  - NO VALADION OF DEBT PROVIDED UPON XXXXXXXX XXXX XXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXXXXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX / XXXXXXXX XXXX  has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Secured Loan

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 2024-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Around XX/XX/year>, I was notified by an alert on EdFinancial that my student loans were on administrative forbearance. I contacted EdFinancial to determine why, and after three weeks, EdFinancial finally responded by email saying it was due to the XXXX plan. Upon researching, I found that EdFinancial had to put my loans on admin forbearance because, like many others, I never received a monthly billing statement after the COVID forbearance.

Additionally, EdFinancial had incorrect information and incorrectly placed me in to a different payment plan. As a victim of known name identity theft, it was concerning that EdFinancial had very false information about me. An agent was able to verify my correct information and place me back in to my previous payment plan.

Congruently, EdFinancial was charging interest and letting interest accrue on my student loans. This goes against the XXXX XXXX via memo in XX/XX/year>. During phone and email correspondences, EdFinancial agents were unsure how to handle the accruing interest and ensure that interest was removed during the administrative forbearance. 

I request that EdFinancial performs an audit on my student loans and deduct the accrued interested from the loans. Payments were made on the loans during the forbearance and additional interest may need to be deducted from the balance due to the interest being calculated and paid in lieu of appropriate principle only payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am writing a formal complaint that citizen one auto finance has placed a charge off XXXX consumer credit report. I am disputing any and all debt to them and also revoking my rights of communication with them to me through email text and calls. I am also requesting debt validation and the original purchase agreement between them and the original creditors also, I am requesting that they furnished proof that they are licensed and bonded, I am disputing this because they failed to provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report. They also didnt give me a chance to dispute this account according to 12 CFR 1006.3 4C4 this collection agency is violating my rights by using false, misleading misrepresentation, and deceptive means. Also, this collection is or creditor has no authority to furnish any account to market consumer report without provide any and all disclosures required by law and they are under Clear violations according to 12 CFR one 006.3 4D and 15 USC 1681S27A also Any further communication is a violation under the FDCPA violation 15 USC 1692K

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I been scammed. I received a call from a JPMorgan Chase number and I thought it was one of the representatives, the caller has said that there has been fraudulent activity on my bank account, he then asked me to verify my transactions, from there he had said there was someone trying to pull XXXX in branch from my bank using a fake id. He then said that we can reverse the funds doing a wire transfer and that was when it happened, I then ask why am I sending money and he said that itll be reversed back into your account and from there we will investigate on it. Caller said he was going to call me back as soon as possible but there was no luck on that. I contacted my bank and they have said they can not do anything since its been completed. I did go ahead and contact the recipients bank. The bank listed was not the bank that he said it was. It turned out to be a different credit union. I made multiple calls and finally I was able to get a hold of the recipients bank. All they can say is that their fraud department will take 45 days to resolve and that the chances are slim. I know that I been scammed and that it was a someone calling under chases number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
SEE MY CONSUMER STATEMENT ATTACHED ALONG WITH FTC 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 2024-02-18 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: PA

Complaint narrative:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX with account number XXXX This account is listed as being 30 days late. I recently contacted that company regarding this matter and was informed by representative that I was automatically signed up for security card protection which was an extra {$160.00} in top of monthly payment. This was causing my monthly payments to increase and adding interest. However, I did not agree to enroll in the program nor did have any knowledge that i was enrolled into the program. I agreed to pay the full balance within 12 months with no interest. This my first time using XXXX XXXX. I am requesting a goodwill adjustment to remove this late payment from my XXXX, Experian, and XXXX credit reports. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
For many years I have been fighting with the VETERANS AFFAIRS concerning health issues and benefits. Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Approximately a month ago, while trying to search for a home of my own to prevent becoming a homeless statistic, I was notified that my student loans have been written off due to my veterans XXXX status upgraded. I just recently found out that XXXX and ESPERIAN, as result, dropped my credit score XXXX points. And completely violating my rights as a XXXX veteran with this devastating action and has guaranteed me becoming homeless soon. Many attempts to contact those credit reporting agencies have failed. And has started affecting my health as this matter continues to get worse.I am one person, a fixed income XXXX veteran, that is being discriminated against and left with no other choice than filing a formal complaint and seeking legal help from the local federal court system. Being a solo voice being tried this way after serving XXXX XXXX XXXX XXXX XXXX, sacrificing everything including my health to have XXXX XXXX XXXX organizations to treat me this way is absolutely appalling and degrading. To include discriminatory.

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 2024-02-18 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/year> I purchased a reclining love seat from XXXX XXXX in XXXX, SC in the amount of {$3100.00}. {$2500.00} was charged to a newly opened XXXX XXXX credit card and the remaining on another card. 
XXXX XXXX recalled the reclining loveseat in XXXX and asked customers to unplug it because its a fire hazard. I have been waiting for a technician to fix my furniture since XXXXXXXX XXXX and have been unable to use it for fear of it catching on fire. The XXXX XXXX & customer service has been extremely unprofessional and simply do not care. Their documentation says to request a repair by calling XXXX. They continue to ask for photos ( which I submitted ) yet do nothing with the information. 
I didnt want to incur interest and paid off my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
on XXXX XXXX XXXX i filed complaint to chime for after XXXX years why haven't i received my XXXXXXXX XXXX closure check. they responded thru cfpb that all i had to do is contact them back and they would send money that was after they cleared whatever minor deal u. all lies and excuses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: WA

Complaint narrative:
Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named XXXX XXXX better known as XXXX on my TransUnion credit report. I have been monitoring my credit like a hawk over the last XXXX months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through TransUnion yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company XXXX XXXX and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to transunion to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with Transunion I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the third time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.

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 2024-02-18 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: PA

Complaint narrative:
To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, 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 2024-02-18 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: NY

Complaint narrative:
Dear CFPB, I am writing in reference to Transunion, Transunion is in violation of 15 USC 1681i ( 2 ) ( A ). I have sent all documentation to prove that I am a victim of identity theft. and that in fact transunion is in 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
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased an appliance package XX/XX/XXXX from XXXX XXXX XXXX. Total charge {$2500.00}. XXXX of the XXXX items were delivered- microwave, fridge, dishwasher. The stove was not delivered since it was on back order. I was unhappy with XXXX of the XXXX delivered appliances. I called XX/XX/XXXX to have XXXX of the XXXX delivered appliances- the microwave and fridge- returned. After spending a total of XXXX hours on the phone with both XXXX XXXX XXXX, where I ordered the appliances, and XXXX XXXX, who delivered the XXXX items, I spoke to a store XXXX and told them to cancel the order for the fourth undelivered item, the stove, since they could not provide an expected date of when the item would be in stock. The XXXX assured me the stove order {$670.00} was cancelled and would not be in my statement. The fridge and microwave were picked up the following Monday or Tuesday. That should have been a credit for {$1300.00} plus tax. The stove, since it was cancelled, was never delivered. The only appliance kept was the microwave {$460.00}. This cancelled stove has remained on my credit card. I disputed the charge XX/XX/XXXX to asynchrony bank. I did not receive a resolution. I instead got a credit card statement in XX/XX/XXXX that I owed XXXX for the stove. I called synchrony again XX/XX/XXXX. I again disputed the charge and the interest and late fees for a product that was cancelled and never delivered. I did not receive a resolution. XX/XX/XXXX I again receive a Lowes credit card statement that I owe {$930.00} for the stove, late charges, and interest. I called synchrony bank and disputed a third time XX/XX/XXXX. The matter remains unresolved. XXXX refuses to credit the cancelled undelivered item and continues to charge me late fees and interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
The amount I was billed for was XXXX which is incorrect. I continuously called ALLY, finally spoke with a rep named XXXX from the investigation of vehicles who confirmed on XXXX XXXX approximately XXXX XXXX. She stated the damages I was charged for were in fact incorrect and the summons I was charged for would be removed as well due to them being incorrect. The rep XXXX stated she would send a new invoice with the updated amount for the up charge of the mileage being over. However ever bill I received since then has had the XXXX amount which I am not responsible for. For the entire duration of my lease with ALLY or any company I have NEVER missed a payment or been late. This is very upsetting being my credit score has been effected by this irresponsible charge of greed by ALLY. I have photos of the XXXX prior to it being returned with dates and time stamps. Hopefully the recorded line will come about with the rep telling me she in fact did NOT see any damages and would adjust a bill that I NEVER received.

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