vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> - Received email regarding dispute letter I mailed in. 
XX/XX/year> @ XXXXXXXX XXXX XXXX XXXX XXXX. Tried calling customer support number provided by Experian for assistance regarding email. Automated service system will not put me through a specialist. Response of automated service system states " I'm sorry, I can only transfer calls in limited circumstances. '' or " I can't get you to a specialist right now. '' Outcome is still the same. Unable to speak to a real specialist from Experian. This situation has been going on for four months. I have not been able to speak with someone regarding my concerns about my dispute or the emails I have 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 explanation
Consumer complaint received 2025-02-24 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-24 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2025, my phone was stolen from me. The person who stole my phone got into my mobile wallet and sent themself XXXX transactions, XXXX worth {$1000.00}, and the other for {$970.00}. 

Chase sent the funds back into my account but now the funds have been taken away from me again. Chase wrongfully reversed the funds and is not helping me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
A rental company is attempting to collect for a {$530.00} amount owed. However, we paid an {$1100.00} deposit in a one bedroom apartment that was a newer build. There were no damages or any cleaning that needed to be cleaned as we actually took the initiative to hire a cleaner out of our own pocket to minimize any cleaning fees. 

We never received our {$1100.00} deposit and when asked why they said it was for cleaning. I asked for a bill of receipt to show that cleaning on their end cost {$1100.00}, and it actually shows that it costs only {$190.00}. So I should have been refunded {$910.00}, but still never received our deposit refund. 

Now they are claiming my husband and I owe them instead. 

This is ridiculous. They had gone through 2 different management companies in the XXXX that I lived there. 

I have email paper trails to show receipts to show proof of correspondence. 

Thank you-Sarika

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccurate information related to charge-offs that appear on my credit report. Upon reviewing my report, I have identified entries that I believe are incorrect and require immediate investigation and correction. I am submitting this dispute in accordance with 15 USC 1681e ( b ), which requires credit reporting agencies to maintain accurate information, and I am requesting that these inaccuracies be addressed. 

The charge-off information on my credit report appears to be incorrect in the following manner : XXXX XXXX XXXX  The company did not provide me with a XXXX for me to file this debt on my taxes giving that they have already forgiven or written off the debt on their taxes. Since they deemed it income on their end, its illegal to report income on my credit file. with that reporting on my report, it seems prejudice and unfair. 
JPMCB Card This company has reported a charge off on my account for XXXX consecutive months and its only been charged off once. Thats inaccurate information being displayed on my credit file. In addition, they have written this income off, where is my XXXX? 
XXXX XXXX XXXX This company has reported a charge off on my account for XXXX consecutive years and its only been charged off once. Thats inaccurate information being displayed on my credit file. In addition, they have written this income off, where is my 1099?

As per 15 USC 1681e ( b ), it is your responsibility to ensure that the information reported to credit agencies is accurate and complete. The charge-off information listed above does not accurately reflect the status of my accounts, and as such, I am requesting an immediate investigation and correction of this data. If the charge-off information can not be verified, I request that it be removed from my credit report. 
Please provide me with the results of your investigation in writing, and if applicable, notify me of any corrections made to my credit report. I also request that you remove any unverifiable or outdated information in compliance with the Fair Credit Reporting Act. 
For your reference, I have included any relevant supporting documentation, such as payment records, correspondence, or account statements, to assist in the resolution of this dispute. If needed, I am willing to cooperate fully in order to resolve this matter as quickly as possible. 
According to the Fair Credit Reporting Act, you are required to complete this investigation within XXXX  days. Please notify me in writing of your findings and any updates to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
My loan was transferred from XXXX to FirstMark Services in error because I had refinanced the XXXX loan with another company before FirstMark began servicing the loan in XX/XX/XXXX. I should have never had an account with FirstMark because I had refinanced before XXXX transferred the servicing of their student loans but the payment from the refinancing wasn't transferred with the loan. This left an open balance on my account with FirstMark PLUS I already had refinanced the loan with a different servicer. 

I first called FirstMark services on XX/XX/XXXX to get help and to date, XX/XX/XXXX, it is not settled. My one student loan had magically duplicated and I was making double the monthly payments. Finally, on XX/XX/XXXX XXXX submitted a payment dispute and FirstMark discovered they had credited the payment from the refinancing to the wrong account. They finally credited my account and now there is an overpayment because I had been making monthly payments. FirstMark owes me over {$500.00} and I have been asking for the refund since beginning this whole process in XX/XX/XXXX. 

I have contacted FirstMark Services XXXX times since XX/XX/XXXX trying to solve this account issue. I have a running log of every phone call made and what was accomplished ( or lack thereof ) in each phone call. Every time I am given a different answer or an answer that contradicts the last person I spoke with. I just want the money that is due to me and to be DONE WITH THIS COMPANY FOREVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-24 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: NV

Complaint narrative:
XXXXXXXX XXXX HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.

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 2025-02-24 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: NV

Complaint narrative:
XXXX CARD HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.

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 2025-02-24 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: NV

Complaint narrative:
XXXX CARD HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2025-02-24 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just got a final letter from bank that everything is on my end. And all the transaction is on my side. But i still did not do any business with the merchant that is in XXXX or other countries outside. I looked up all their merchant, but i did not receive any service or business with them. Therefore, even if i did made this transaction which i didnt i am requesting full refund. 

Weird thing is they said all the transactions are made by me but they partially returned in total of {$200.00} out of XXXX $ which is very weird. I would request specific reasons of denial and exact proof how did transaction is by me, and if they even tried to contact merchant, and if merchant is evenworking under us business legally. 100 % they are money laundering services, by just looking at XXXX. 

I have negative balance money because of this. And i am gon na prepare for lawsuit with the cosumer legal lawyer with the police report with my social media and public news team.

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 2025-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: KY

Complaint narrative:
Im days from defaulting on my {$55000.00} private student loan with XXXX/Mohela XXXX 14 % interest, account, originally {$15000.00} in XXXX from XXXX XXXX XXXX a predatory school owned by XXXX XXXX  XXXX XXXX refuses to negotiate despite my hardship : {$150000.00} total debt, {$6000.00} monthly income ( {$2000.00} disposable ), XXXX credit score. Im a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX is unaffordable. XXXX offered 3.5 %, $ XXXX ; I asked XXXX for $ XXXX, 5 %, 20 yearsthey refused on XX/XX/XXXX. XXXX XXXX at XXXX insisted that 1 ) speaking with a supervisor would not help, as " they can not do anything for me that he could not, '' 2 ) Mohela does not negotiate anything other than temporary 6-month solutions, and 3 ) XXXX/Mohela would knows they will ultimately get what they want via garnishment, legal action, etc. I sent XXXX a letter ( XX/XX/XXXX ) demanding they pay, citing their $ XXXX XXXX XXXX was excluded. XXXX  inaction risks default $ XXXX {$38000.00} XXXX  vs. my {$36000.00} offer. This is unfair ; I need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth XXXX bank is offering a promotion for new users, allowing them to gain {$350.00} after completing a direct deposit of a certain amount. I completed everything that was required and still my credit was not honored they never redeemed the bonus into my account. The only reason I made the account was to take advantage of the offer. They are telling me the code was never added to my account. This is false.They keep running me in circles never expected anything like this from a big branch, especially over a {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Complaint Summary : I am filing a complaint regarding improper late fees and interest charges applied to my account after I paid my balance in full. 

Details of the Issue : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I paid off my account balance in full on XX/XX/XXXX, with a payment of {$95.00}. However, despite my account being at XXXX, I was still charged late fees and minimum interest charges in the following months : Late Fees : {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ), {$9.00} ( XX/XX/XXXX ), {$21.00} ( XX/XX/XXXX ) Interest Charges : {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ), {$3.00} ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX Customer Support ( escalated to XXXX - XXXX ) to dispute these charges, as my balance was already paid off. However, they refused to resolve the issue. 

I believe these fees were applied incorrectly, potentially due to residual interest, but I should not have been penalized with late fees. 

Desired Resolution : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I request that all improper late fees and interest charges be removed from my account, and that the creditor provide a clear explanation of why they continued to charge me after my balance was fully paid. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Thank you for your help in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
My middle starts a XXXX, the fictitious name on my report has a letter starting with a XXXX.I can't send it to you without showing my whole name... what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
My middle starts a XXXX, the fictitious name on my report has a letter starting with a XXXX.I can't send it to you without showing my whole name... what do I do?

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 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company keeps blowing smoke up the CFPB XXXX. They provided exactly what I asked them not to provid and they onow it. 

I want the signed purchase agreement showing how much they paid for the debt and their authority to collect the debt. 

Once again PRA has pulled one over on the CFB and blatantly lied about not receiving the letter by certified mail. I will send another certified return receipt and include a copy to FTC when I file with them since PFA had found a way to skirt around prior issues with CFPB requirements.

PFA can provide the requested documents or remove from my credit reports ( all three ).

Since PFA has continually ignored this issue, they have 15 days to comply before legal action is taken for failing to provide the requested documents.

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