vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX, TN XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NE

Complaint narrative:
On XX/XX/2023 I received commuitcation through CFPB of an allege debt by COLUMBIA DEBT RECOVERY LLC in reference to account XXXX. Columbia Debt Recovery has violated applicable debt collection laws and regulations, including but not limited to 15 USC 1692. I included the violations on the communication letter sent to me. On XX/XX/2023 an affidavit of truth was sent to COLUMBIA DEBT RECOVERY XXXX XXXX XXXX stating all of these violations. I have included the exact copy mailed to them and the letter they sent to me as well as an invoice per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC

Complaint narrative:
A company that Castle Credit say they finance. Fraudulent conned me. To get a waterfilter system I didn't need or even want from XXXX XXXX XXXX which is out of business now because they were doing shady business!!! I told them I couldn't afford the XXXX XXXX XXXX & the company told me to just try it & if I ever got behind on the payment. The company would help me out, which they never did. Also, they was suppose to send a female to finish the paper work, still I told them I don't want it. They said the lady had got into a crash & they would send someone else in a couple of days. A crazy guy showed up, & said he owned the company & that I had to sign it because it was pass the trial period which I knew nothing about, plus I informed him. I still didn't want the unit & he wouldn't leave. I suffer from XXXX XXXX. So I just signed it, so he would leave. The company was notified but they still wouldn't come take back the water filter unit. I never wanted & still don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I found an American Express credit card statement in the mail XX/XX/ with a balance and late fee of XXXX. I never opened or ever had or applied for an American Express credit card or balance transfer. This is definitely fraud stolen identity and someone opened this other than me. I opened a fraud case with American Express and said would take a month. I am looking and filing every measure to have this irradicated and resolved. It also is showing on my credit report. I will attach billing statement. Once again this is not me and I never received or opened this account. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I opened a charge dispute with Chase on XXXX XX/XX/2023 regarding a purchase from a website that I found to be fraudulent. I have still not received the product ( XXXX XXXX XXXX  ) and the company ordered from, XXXX XXXX, can not be reached. 
Chase told me on XX/XX/2023 that they had to give the company 15 days delivery time as that is what the delivery time on the website stated. Then they would continue the dispute. Today, XX/XX/2023 I looed at the Chase app and the dispute still states " '' Dispute status - Under merchant review ''. I called Chase as I now show a minimum payment of {$40.00} due and the dispute states that while under review no payments are due. Today the Chase operator told me the dispute was closed on their end. My Chase app shows it is still in dispute. 
The Chase operator said she will open a new dispute as on her end it shows closed. It will take an additional 35 days to resolve she said. This is after I have already waited 35 days. I paid the entire balance on the card today. I now show two disputes that are in progress on the Chase app, each for XXXX XXXX for {$99.00}. No recently closed disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Chime Financial Inc
State: GA

Complaint narrative:
Well I have a checking account with chime for the last several months there has been a lot of fraudulent transactions on my account. Chime will not recognize these they keep denying me the money to be put back into my account. My account has been hacked an a lot of money has gone from my account to XXXX XXXX then XXXX. They took over {$1100.00} this month an I live off of XXXX payments. Which is only {$1200.00} a month but there has been over {$12000.00} stolen from my account an chime refuses to refund me any of my money my account with chime has been hacked an they just keep letting them get away with it, I've lost XXXX storage units with all my belongings due to chime not reimburseing my account that was everything I owned which was a total of {$67000.00} an now I will be homeless at the end of this month due to chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi. I went to the bank to withdraw money inside of the bank where I am a customer. The ATM never dispersed my money and after filing a claim and calling many many times I was denied. Im being told theres nothing they can do about it. Chase bank stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete the account asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete the account asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC
State: MI

Complaint narrative:
Here 's what happened I was in XXXX I purchased a JPay tablet with a whole bunch of content extra was released from XXXX was instructed to send tablet back to JPay to have them unlock it so it can be used as a regular tablet I did so send it through XXXX this was in XXXX of XXXX  it is now XXXX of XXXX I've tried to contact JPay multiple times via email and their phone number with no luck you guys are my last option I see that there was class action lawsuits or lawsuits against JPay for unpair practices which led me to this so if you have any information that could help me or let me know when I can do or what my rights are please contact me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting incorrect information on my consumer report as of XXXX XXXX XXXX  Credit Card is reporting 121 % utilization when that is inaccurate information and false information. As a reporting agency it is your responsibility to report on behalf of a consumers consumer report that shows information to be true and accurate. 

The card is current and in good standing as of XXXX I called XXXX XXXX on XXXX XXXX XXXX to verify if the account was over utilization. In fact it was not. Please update my consumer report to reflect good standing with this account immediately. 

I also filed a dispute with TransUnion via XXXX XXXX to get this information reported accurately and correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/2023, I checked Mohela 's website to determine how much it would cost to pay off my loan. Their payoff calculator was not functioning, so I went by the payoff amount listed on my account home page. I had to make two payments because of bank withdrawal limits. I paid {$45000.00} on XX/XX/2023. I paid the remaining balance ( according to the " payoff amount '' listed on my home page ) of {$24000.00} on XX/XX/2023. As the payment was processing, I noticed that the loan was continuing to accrue interest, so in fact, my loan would not be paid off after this amount. And indeed, after the payment processed, I still had {$15.00} remaining balance. On XX/XX/2023, I checked to see if the payoff calculator was working on the website. It was not, but now there was a message that said " Call this number if you would like to get your full payoff amount ''. So, I called the number and paid {$15.00} over the phone on XX/XX/2023. I don't believe I should have had to pay this additional {$15.00} of interest because I had done everything I could to determine the correct payoff amount while not having the tool ( payoff calculator ) available that was necessary to actually get this done. I believe Mohela is intentionally making it difficult to pay off your student loan so they can continue to accrue interest on your loan. With the payoff calculator not working, now people have to call in and wait 2-3 hours on hold to speak to someone. I just checked today XX/XX/2023 and the payoff calculator page says " Application Error. You have encountered an error in our web application. Our technical staff will address this issue as soon as possible. '' Now there is not even information listed that says you should call Mohela directly to get your correct payoff amount ( because apparently the amount listed on the home page is not correct ). Again, I believe this is unacceptable and completely intentional on Mohela 's part. I think there should be a class action lawsuit filed against Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-10-18 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: NY

Complaint narrative:
Company claims to be part of us department of EDU.. 
On XX/XX/XXXX the ( REAL ) DEPARTMENT OF EDUCATION stated no loan nor debt in any amount is owed nor passed off to a collection agency Also stating that the information provided on my credit report is not associated with the department of education the phone number no address, JUST A NAME! there is no proof of contract. The reporting company has not done the due diligence of finding any contracts involved. Not researching the contact information of the company which has a phone number that is fraud This giving me a clear understanding of facts that my rights are being violated under the Fair credit reporting act. 

Opened XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU Second account involved : Opened XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU I used the contact information provided of which is claiming the debt and found out it to be fraud. I then contacted the department of education and found out no debt is owed, then reached out to the credit reporting agency who could not provide me with any proof of consent or contract of the debt claiming to be owed, false information with the title edu.. please be responsible and understanding the different levels of identity theft fraud and misuse of information .. ( FCRA ) Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2023 I went to my bank to renew my certificate of deposit which matured on XX/XX/2023. I was given a seven day grace period for this activity. The bank gave me three options to choose one. The options were as follows : 1. Add funds to the account - higher balance may earn higher interest rates. 
2. Change the term - longer terms may earn higher interest rates.

3. Close the account.

I decided to change the term from three months to five months. However the bank staff decided to close the CD account and open another CD account without my consent. 
He gave me documents to sign without any explanation of what the documents were for. At no time did I discuss closing the CD account and opening another CD account which does not make sense unless the bank wants to deny me the interest accrued from XX/XX/2023 to XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

( 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 explanation
Consumer complaint received 2023-10-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666
B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

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 explanation