vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: MO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised.

Please block and delete the following accounts from my credit report : Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. US DEPT ED Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: MO

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised. 
Please block and delete the following accounts from my credit report : Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer Financial Protection Bureau , Subject : Urgent Request for Assistance with Ongoing Hardship Caused by MOHELA and the Department of Education I am reaching out to you as a last resort, seeking urgent intervention in a situation that has placed me under unbearable financial strain. For years, I have been paying on a federal student loan serviced by MOHELA, yet my balance today is almost identical to what it was when I graduated in XX/XX/XXXX. Despite paying nearly {$24000.00} toward this loan, I am trapped in an endless cycle that I simply can not break. 
The impact of this unyielding debt is overwhelming. With retirement approaching, I am facing the stark reality that I may never be free of this financial burden. I have followed MOHELA 's set payment amounts for over a decade, never missing a payment, even through a bankruptcy that was no fault of my own. I have done everything within my power to meet my obligations, yet I am seeing no progress. This debt is now threatening my peace of mind, my health, and my ability to support myself as I near the later stages of my career. 

As a United States XXXX XXXX Veteran, XXXX XXXX XXXX XXXX, I have always honored my commitments and approached my responsibilities with seriousness and integrity. In return, I am asking for transparency and fairness. Yet despite reaching out to MOHELA repeatedly, I have received no meaningful responses, only form letters and disregard. My attempts to escalate this matter through the U.S. Department of Education and their Ombudsman have also gone unanswered, leaving me isolated and burdened with a debt I can not manage. 

I am desperately seeking the CFPBs assistance to hold MOHELA and the Department of Education accountable for the prolonged hardship they have imposed on me. I ask for a thorough review of my loan history and an accurate recalculation of interest charges to provide clarity on why my balance remains so high. I need to understand how a debt I have been paying down consistently for over a decade can remain so unyielding, and why my concerns have been ignored by those who are supposed to oversee fair and transparent lending practices. 

The ongoing financial burden is something I can not continue to carry alone, and I hope that the CFPB can help me achieve a fair resolution before this debt claims what little financial stability and peace of mind I have left. I appreciate your attention to this matter, and I hope you understand the urgency and profound impact this issue has on my life. 


Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under federal law ( 15 U.S. Code 1681i ), you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under federal law ( 15 U.S. Code 1681i ), you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct

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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX is a payment processing XXXX service by PayPal, enabling businesses to accept credit cards and electronic check payments on their websites. 
In early XXXX, I was contacted by Paypal to tell me there was carding fraud occurring with my XXXX account. Fraudsters were using automated tools or bots to test stolen card numbers by making small purchases to see if they work. This type of fraud is called carding. Once they find valid card details, they may use them for larger, unauthorized purchases or sell them on illegal marketplaces. 
Every time a fraudster makes a carding attempt using my website, I am charged XXXX cents. After thousands of carding attempts, my bill came to {$14000.00}. This is just for Paypal fees, not for fraudulent charges. Paypal did not lose any money for these carding attempts, they are merely charging {$14000.00} in fees. In previous months, I averaged less than five sales on my website and suddenly this number jumped to over XXXX. Logic tells us that Paypal should have seen the attempts and put a stop to it right away. 
In response to this, I had my IT person install programs on my website to stop the carding. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX were all initiated on XX/XX/year>. XXXX was installed on XX/XX/XXXX. Regular updates to definitions and settings were made through the month of XXXX. 
On XX/XX/XXXX, I noticed that Paypal had charged {$14000.00} to my credit card on file. Since this was fraud, I filed a dispute with my credit card company, XXXX. 
On XX/XX/XXXX, the website was brought down. XXXX  no longer exists. 
On XX/XX/XXXX, Paypal XXXX was discontinued, and the account was closed. 
Between XX/XX/XXXX and XX/XX/XXXX, many phone calls and emails were exchanged between me and Paypal regarding this matter. Since this was fraud, I expected Paypal to reverse the charge. Afterall, this outrageous bill is just for Paypal fees, Paypal did not lose any money over this. Paypal could have stopped the carding attempts but neglected to do so. 
On XX/XX/XXXX, I was notified that the charge would not be reversed and if I dont pay it, it would be turned over to collections. I repeatedly asked to speak to a more senior member of their staff and was repeatedly told I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>, Chase sent me a letter in the mail about my application for a new " CHASE FREEDOM FLEX World Elite credit card '' I only just received this letter as it was at my in-laws ' house. 

The letter asked for follow-up information to complete my application. If they did not receive the information within 14 days, the application would " no longer be considered. '' I did not send any information, so I assume the card was not opened successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: PA

Complaint narrative:
please send me all of the statements of this account in order to verify the reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We use Chase as our banking partner for our small business. Our industry has a few times per year where we are required to make large purchases and will not receive the product for several months. 

We were looking for a banking solution that would help with this situation. I set up an appointment and personally went into my local branch in XXXX California to discuss our situation with a banking professional. As a small business we rely on the expertise of our banking partners. 

After discussing the need for a line of credit or other type of banking solution, the representative told me that their " Flex '' credit card would be a perfect solution. At no time did the representative tell me that the amount on the card was due in full at the end of every month. This is the absolute opposite of what we needed. 

After our first purchase, we noticed that the full $ XXXX was due in full on the first bill. I reached out to Chase to discuss the error and see what we could do to resolve this issue. Every person I spoke with at Chase said there was no other solution then pay in full. 

In turn, since we could not make this payment, they closed the account along with our other account that was in good standing. On top of this they reported this to the credit bureaus causing my XXXX credit score to drop to a XXXX. 

The actions and negligence of Chase will bankrupt our business. The attitude from the Chase representatives is simply, it was all in the fine print in the terms and conditions. This is incredibly misleading. If I had gone through their website and picked out a card on my own, I would assume liability for the terms and conditions since I picked it myself. When sitting in front of a banking representative and relying on their expertise it should be their role to outline the details of the card they are suggesting for you as a solution. 

This behavior is predatory business practices. 

I pleaded with Chase to figure out any other solution to pay this amount back to them. All I wanted to do is pay them their money in any way besides in full. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account # XXXX XX/XX/XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing an open account with a charge off.

I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments but it was in good faith. In XX/XX/XXXX, I lost my job which devastated me and I wasnt able to maintain by trying to make ends meet. 
I struggled to maintain my financial obligations and had late payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The 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 have never been late on payments for the accounts that I have listed below. 
account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX .This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting if not deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The 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 have never been late on payments for the accounts that I have listed below. 
account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX .This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting if not deleted.

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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited an {$8000.00} treasurer 's check from XXXX XXXX, provided by my mother to help cover rent, bills, and medical expenses, on XX/XX/year>, at XXXX XXXX  at Citibank ATM XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX NY. The following morning ( XX/XX/XXXX ), I discovered that my account was inaccessible through the Citibank app. I contacted a representative who informed me that my account had been flagged and placed on hold but could not provide any details on when I would have access to the funds or my account. I also visited the branch where I made the deposit, but I still did not receive a clear explanation as to why the block had been placed or when I could expect to regain access to my money. 

On XX/XX/XXXX, more than 48 hours after depositing the check, I called Citibank again in an attempt to resolve the matter, but once more, I did not receive a satisfactory answer. I have not received any written communication or official notification regarding the block. Representatives have been unclear and have repeatedly transferred me between departments, placed me on long holds, and promised callbacks from supervisors that never occurred. 

This situation has caused severe disruptionsI missed a scheduled credit card payment, which has now bounced, and I am currently late on my rent payment. Additionally, I will likely have to reschedule critical medical appointments that I booked months in advance because Citibank continues to hold my funds and block my account without clear justification or a defined timeline. 

As a consumer, I am entitled to transparent communication and timely access to my funds. I am requesting the Consumer Financial Protection Bureaus ( CFPB ) assistance in investigating this matter and advocating for a resolution. Specifically, I need immediate access to my account and funds and a formal explanation from Citibank detailing the reason for the account block and an expected timeline for resolution. Your prompt attention to this issue is greatly appreciated, as it directly impacts my financial stability and well-being.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: KY

Complaint narrative:
I contacted LexisNexis by phone on XX/XX/XXXX to dispute the record of another name, address, auto policies, auto claims, license, and other incorrect information listed on my credit report. I purchased a new vehicle and was getting insurance quotes from companies with very high prices for my clean driving record. Finally XXXX started asking me about an accident that occurred on XX/XX/XXXX that I never had. They gave me a reference number and told me to contact LexisNexis. I did so and disputed all inaccurate information on XX/XX/XXXX. I was told within 30 days they would investigate and send me an updated letter to access the new report. The dispute results from XX/XX/XXXX did not remove the fraudulent person from my report! I still have this other person who lives in Georgia that I do not know and I have never been. Her disastrous driving record is not allowing me to get insurance on my new car. I need all records of this person removed from my consumer report record. I sent email to LexisNexis at XXXX on XX/XX/XXXX again disputing all fraudulent information. Until this information is removed I can not get car insurance on my new car. I can XXXX XXXX my new car until I have auto insurance. I need this resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I was reviewing my credit report and saw that there was an account referred to a collection agency, which I had never seen before a letter to the consumer adjustment company requesting original contracts signature from net credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NJ

Complaint narrative:
I applied for a credit card and got deneied for credit card, and notice several accounts that were opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
Please view attached as there is information on my report that does not look right. Please verify the reporting of these items

Company response to consumer: Closed with non-monetary relief