vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
This compliant is about Equifax and XXXX unwillingness to respond or follow suit to prevent a lawsuit. In XX/XX/, I sued XXXX for the removal of 23 identity theft accounts. These same accounts appear on Equifax and XXXX. In XX/XX/, I won my case against XXXX, proving their negligence in reporting these ID theft account after my numerous attempts for years to get them removed. I have also made these same exact attempts with both Equifax and XXXX. The settlement required XXXX pay my attorney fees and a significant penalty for the reporting of these accounts, however most importantly the settlement required the removal of the 23 accounts. I sent a certified letters to both Equifax and XXXX, XX/XX/XXXX  asking for them to follow suit and the removal of these accounts since it has already been proven in a court of law that these accounts are indeed ID theft, but I have received no response from either credit bureau. I am asking that both Equifax and XXXX, take into consideration the settlement against XXXX and remove all 23 accounts and associated inquires, or I will be forced to seek legal action against both credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
I am currently paying monthly student loan payments to Mohela for my balance of XXXX dollars and hoping to be forgiven under the Public Service Loan Forgiveness program. Even though I have sent in periodic employment verification forms signed by my XXXX XXXX, Mohela has not applied a count to my forgiveness of this loan since XXXX of XXXX The latest communication I received from them was on XXXX stating that I had not met the 120 payments required for forgiveness when I actually met the goal of 120 payments back in XXXX. Someone that Mohela is not accurately reading my Public Service Loan Forgiveness Employment Verification forms correctly and applying the forgiveness. Meanwhile, I'm still paying them {$75.00} a month. When I ask if I will be reimbursed this monthly payment because I have made over 120 payments now, Mohela will not give me a straight answer and directs me back to the Department of Education when Mohela should have an answer as they are holding my loans. So according to my records, I have met the 120 payments for forgiveness back in XXXX but they still continue to show me at 116 payments for 8 months now. I am also owed a refund of my monthly payments since I met 120 payments and they are still taking my payment each month. It's simple math but Mohela refused to look carefully at my forms and consider what I am stating to them. Please help in getting them to forgive my loans and refund payments I have made since I should have been forgiven. I can clearly see online that I have provided the correct paperwork in order for the loan amount to be forgiven under PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Both Wells Fargo credit cards were hacked and used by someone other than me and without my knowledge or permission. I have stated the cards were in my posession at the time this occurred and the claims letter said that since I had them they were all authorized charges. This is a problem that Wells Fargo is well known about. They deny all claims and attempt to place the consumer at fault. I did NOT use my cards nor authorize ANYONE to use and or make ANY transactions with them. I want this resolved in a timely manner short of having to get the courts and news agencys involved. Wells Fargo even stated the charges were not normal for me. Then why did they allow them to go through?

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 2024-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Opened a credit card with Saks Fifth Ave store in XX/XX/2023. Returned some items purchased and received confirmation about the returns through email. Paid in full for items not returned.unknown amount of {$350.00} on XXXX statement. Spoke with Saks Fifth Ave customer service and Capital One bank for an explanation. Nothing has been resolved. I now have a late charged to the {$350.00} it is now over {$380.00}. XXXX from Capital One id # XXXX And a case number from Saks Fifth Ave XXXX. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
CHASE bank XXXX proceeded to buy an insurance policy without my consent which is an XXXX  action given the fact that I already have insurance covered by property management in my condominium and given the fact the I provided such information to them, including the documents supporting such insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 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: NY

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX  I reported inaccurate collections from Trans World Systems , IncXXXX to XXXX. The transaction was not removed and remains on my credit report. 
XX/XX/ I reported inaccurate collections from Trans World Systems , IncXXXX to XXXX requesting that this transaction be removed from my credit report. Dispute # : XXXX via telephone to agent named XXXX. This will be my second time making a complaint about the transaction. I received an email stating that I can check the results of my dispute however, the only information that is given is the status of the complaint but not the actual results of the dispute. There is on pdf file attached displaying or explaining the results of the dispute. Additionally, the website XXXX states that you can view the XXXX however, the website just loops you back to the view dispute status page. The transaction was not removed and remains on my credit report. They also told me that they would not reivestigate this transaction. 
XXXX I requested validation versus verification of the debt as I don't have a contract, have never had a contract and don't owe Trans World Systems , Inc.XXXX This information has not been provided to me. 
XXXX Making an official complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I was a victim of the XXXX data breach not only did it effect my XXXX but it also effect Transunion and XXXX. This has cause me tremendous hardship because all of my credit has been exposed and supplying information to my personal credit. Causing me and my family difficulties in everyday life and values and the American dream. If one Bureau is inaccurate then they are all. There's no way we can determined what's correct or incorrect. There's no way in telling how long I been exposed to this data breach and how it will effect me and my family in the future. I'm asking for Transunion and XXXX to make this right by deleting everything off of my credit reports asap. XXXX has admitted that they were at fault and I want XXXX and Transunion to follow suit because they are all using the same info to furnish their. So if one is wrong they are all wrong

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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/24 I received an email from an XXXX XXXX who states to be part of the XXXX XXXX XXXX for Select Portfolio Services , Inc however when I called the XXXX number I was advised by a XXXX that there were no notes from XXXX XXXX on my account. I was beyond elated to hear that a Loan Modification was being offered as I had requested and applied for however it seems this may not be the reality. Some how this XXXX XXXX XXXX XXXX XXXX through caller id had pertinent information about my home address, email and loan information, I called back due to my excitement to remedy the issues we have experienced for XXXX plus months with SPS Inc and not he has my phone number. He promised me nothing short of a miracle which may not even be true now. I am requesting for CFPB to have SPS assist in a similar Loan Modification, if it is not true yet and help to put the horror we have endured for nearly a year beyond us. We are just requesting to pay our mortgage monthly and have the COVID-19 forbearance balance placed on the end of our loan as a balloon payment as most forgiveness was given under the CARE Act. I am now concerned that a decent amount of my personal information has been sold or leaked to various entities that intend to do nothing but steal my money with a possible promise to fix all of our mortgage issues from the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX is showing that i have a balance with American Express in the amount of {$540.00} These are not charges I made with my American Epress Card but rather with the primary account holder, I am only an authorized user. 

The primary accout holders charges and balances are being reported to the Credit Reporting Agencies by American Express to my credit report and they are not my charges I have not used my American Express card since XXXX XXXX 

I have tried calling XXXX and they refer me to American Express ( Amex ) when I Call Amex they send me to a call center in XXXX, I have a reference number XXXX they say they are following policy and reporting to the Credit Reporting agnency as required By Law ( quote ). I have told them these are not my charges and should not be reported on my credit report. They either do not care or completely unknowledgble of American Laws. 

I have attach my statement showing I have not made any charges with my Amex issued card since XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I attempted to pay the balance on my credit card. Unfortunately, the payment center on the website had been offering two payment options, one for the active card I was trying to pay, ending in XXXX and another for a card, ending in XXXX, that I had not used in XXXX years that had in fact been cancelled by Bank of America XXXX On XX/XX/XXXX, I accidentally applied my payment to the closed account ( XXXX ), and the system did not reject it, despite the closed account having a XXXX balance. I noticed the problem the next day, at which time the Bank of America website showed the payment as processed for the closed account ending XXXX. See enclosed Document XXXX. 

I called customer service on XX/XX/XXXX, and after navigating a poorly designed phone system and being on hold on multiple lines for about XXXX minutes, I finally reached an agent. He could not see the payment on the closed account or any record that it existed. He was not able to cancel the processed payment but said, since there was no account to which the payment could be applied, it would not be deducted from my checking account. He did consult with a supervisor, who removed the closed account as a payment option so the problem could not occur again in the future. 

Reassured that the payment would not be deducted from my checking account, I went ahead and paid the correct account in the same amount of {$180.00}. See enclosed Document 2. 

I learned on XX/XX/XXXX that the amount of {$180.00} was paid twice to Bank of America from my XXXX checking account. See Document 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 monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I closed my account, however, I DO NOT HAVE A WAY TO DOWNLOAD MY TRANSACTIONS FOR MY TAXES. This is my data, I should still have access to my downloads. I have no statements because they were all electronic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-02 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: PA

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I wanted to transfer funds from my chime account to my main account. I XXXX chime customer service. The number XXXX appeared i called. A person described himself as a chime customer service representative. He told me go to pay to.Type in the name XXXX XXXX. He then said to type in the amount i would like to transfer XXXX and in the message type in for test. He said we would do a test run to see if goes thru. So i hit the pay to button. And as soon as i did that the person hung the phone up and my money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is attempting to collect on a debt that is not mine I've contacted this company multiple times to show proof with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You stated that the accounts in question were reporting accurately when I have provided proof that you are reporting incorrect late payment status ( See enclosed letter from company ). This is my final notice to your company regarding the inaccurate information. I am demanding that Experian remove the late payments reporting XX/XX/2018 for the mentioned 5 accounts. XXXX and XXXX have since updated this information. If this is not updated within 7 days, I will be seeking litigation in small claims court. I am tired of trying to correct your incorrect reporting when I can just sue your company for defamation of character and gross misconduct. Please be aware that FCRA violations can be awarded up to XXXX per violation. The account that is extremely inaccurate is the account that is reporting a balance of {$4000.00} to Experian while {$3500.00} report to XXXX and XXXX. I will attach each account that is incorrect. Update EVERY account to paid as agreed never late immediately. I am also notifying my attorney just in case we have to go to court for your negligence. See the attached dispute letter, response letter, and credit report and update or remove the accounts.

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