vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX XXXX Also Known As : XXXX, XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$540.00} XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-10 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:
See complaint # XXXX which you closed As stated in the letter from Chase bank dated XXXX2024, attached to their response to the above complaint number, I called the phone number instructed only to be told that because the check cleared the check cant be returned to the IRS and they are waiting on verification from the IRS still. The IRS has not been contacted by Chase bank regarding this. Chase has not resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am trying to set up a myEquifax account to put a security freeze in place. I started in XXXX of this year with all three of the credit reporting agencies. I had no problems with XXXX or XXXX, and the credit freeze has been in place since XXXX. Three times, Equifax would not let me set up an account to place the freeze, and requested copies of my state ID and social security card. I had the SSA send me a new card, which I took a photocopy of, and a photocopy of my state ID. Each time, I received a letter back saying that the two copies were illegible. Most ID 'S are made so that they can not be copied. I went to three different copy centers to make the copies, including enlarging them. Equifax is doing everything they can to prevent me from having an account and freezing my credit report. Each time I call, including yesterday, they tell me that my account is now unlocked, but when I try to set up a myEquifax account, it will not let me and tells me to call again. I feel they have a financial gain by not allowing me to put a security freeze in place, as I noticed a creditor on my report that I have not had an account with for about two decades, and I believe it said that I have a credit line, which I requested them to close back then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: MS

Complaint narrative:
XXXX XXXX XXXX is reporting a collection/chargeoff on my credit profile from the XXXX XXXX. First, the account date of last activity is XXXX. In Mississippi, the statute of limitation to collect on written debt is three years. As we are in XXXX, heading to XXXX, the statute of limitation to collect on this debt has expired. Therefore, legally there is no balance due to this company. I moved out of these apartments back in XXXXXXXX XXXX XXXX. Furthermore, the comments say customer dispute, but consumer disagrees XXXX is reporting the date of last activity as XXXX, Equifax reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX The date of last activity should reflect the last date a payment was made. There was no payments made after XX/XX/XXXX. Therefore each company is reporting an incorrect date of last activity and has in fact re-aged the date of last activity on this account. Therefore this is an FCRA violation and the dispute has not been resolved. Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ). When a consumer disputes an item of information, the agency must investigate the dispute, and of the information can not be verified delete. 15 U.S.C Section 1681i Further national credit systems can not try to not adhere to the FCRA standards when they are reporting the account as a CHARGE-OFF on my credit profile. Futuremore, it is a violation for a COLLECTION company to report TIME BARRED DEBT. if I were to consult an Consumer law attorney I could be aware damages for reporting time barred debt, reporting debt after the statute of limitation has expired, which would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Chargeoff - XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I bought out my lease in XX/XX/year>. In XXXX I received a Bill of Sale and Clear Title. XXXXn XXXX I got notice from the Credit Bureau that there was an issue. GM Financial was showing me delinquent in the amount of {$2800.00}. I called Customer Service only to be told that they could not help me. I emailed a copy of the Bill of Sale and Title together with my questions and concerns to XXXX, as instructed and waited about XXXX weeks for a response. 
In XXXX I called the XXXX XXXX. to be told that my email was received but not reviewed. The representative was going to forward my request to a manager. Ten days later, I called again. My request was never forwarded, but I was assured that it would be forwarded to a manager immediately and that I should get a call back by end of day. No call, two weeks later I called and was told that my file was sent to another department and that no one could help me until it was returned with a decision.

When I was asked to be transferred to that
department, I was told no.

Still haven't heard from GM Financial. My credit score continues to drop.

I was also one of the senior citizens that was hit with an " upcharge '' ( {$10000.00} ) when I first leased the vehicle which was before the charge was deemed illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: TN

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A fraud was committed through the Capital One online banking portal where there were erroneous charges hitting my checking account in the amount of {$2200.00}. Capital one did not address this complaint in accordance with the Reg E Error resolution process as they did not conform with the technical requirements of the regulation. In addition, claims reported were denied because their investigation found that I was the one who created the reported charges which is totally false and without merit and I am willing to state as such in an affidavit if necessary. If you look at the nature of the transactions they align with fraudulent activity such as multiple transactions being charged for the same vendor in the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX  in XXXX Georgia XX/XX/XXXX and graduated XXXX XXXXMy loan was thru XXXX. I was paying {$220.00} a month for 10 years. My loan balance didn't move much at all. In XX/XX/XXXX i moved my student loan to XXXX XXXX in hopes to pay the loan off in a set amount of time. Which i was successful in doing in XXXX, 14 years after my initial graduation. Just doing quick math I gave XXXX  over {$25000.00} then I had to give XXXX XXXX over {$15000.00}. 
All in all I pay back close to XXXX on a loan that was less then {$25000.00}.

I have not received any letter in the mail since the ongoing lawsuits against XXXX  XXXX XXXX nor any letters in the mail with the ongoing lawsuit against XXXX. 

I am more then entitle to a settlement, please help receive the compensation that owe to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-10 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: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-11 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: IN

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NY

Complaint narrative:
On Monday, XX/XX/year>, I received a second XXXX  debit card from Cash App ( XXXX XXXX  ) that I never requested. I have never created an account with Cash App nor with XXXX XXXX. I believe this is fraudulent activity. I called to have my account closed, but Cash App wanted me to send a photograph of the front and back of the card. This suspicious request made me seek help elsewhere. A representative from XXXX XXXX  said that they would ask Cash App to close the account. I want to make sure that this company closes all accounts and cards under my name. It is alarming that this has happened to me twice within one year with the same company. I want to prevent this from happening over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
I recently discovered that my credit report includes incorrect personal information, which is resulting in the appearance of accounts that I do not recognize and have no association with. This situation is deeply concerning and is causing unnecessary complications in maintaining 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 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: UT

Complaint narrative:
Today, XX/XX/year>, I attempted to payoff my loan with Westlake Financial through their website. On their website it clearly states they can accept payoffs over the phone for a {$5.00} fee. Upon calling, I spoke with a representative that advised that a recent decision by management prevents them from accepting payoffs over the phone and that I would be able to XXXX ( {$9.00} ) or pay to overnight the payoff. To XXXX  the payment or to overnight the payment would be an additional fee greater than the {$5.00}. To mail by regular mail ( 15 day payoff ) will incur additional interest to be charged. To my knowledge, not providing any ( at least 1 ) option to payoff an account without incurring additional fees is considered a pre-payment penalty in which there are no pre-payment penalties allowed under my contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Formal Complaint Against Chime Financial , Inc. Regarding Missing Funds Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime Financial , Inc. regarding an unresolved issue involving missing funds from my account. On XX/XX/year>, Chime withdrew {$6800.00} from my account, claiming the funds were returned to the Internal Revenue Service ( IRS ). However, after contacting the IRS, they confirmed that they have no record of receiving the returned funds. 

This unresolved issue has caused me significant financial distress. I have made numerous attempts to resolve this matter by contacting Chimes customer service, but their responses have been unsatisfactory, and they have failed to provide any proof or resolution. 

Details of the Complaint : Bank Name : Chime Financial , Inc. 
Transaction Amount : {$6800.00} Transaction Date : XX/XX/year> Issue Description : Chime claimed to have returned the funds to the IRS, but the IRS confirms no such transaction occurred. 
Attempts to Resolve : I contacted Chime multiple times, but their responses remain vague and unhelpful. 

Resolution Sought : 1.Proof from Chime confirming the return of the funds to the IRS, including any transaction details or tracking information.

2.Immediate reimbursement of my funds if Chime can not provide proof of the return to the IRS. 

I am providing all relevant documentation to support my complaint, including bank statements, transaction details, and my correspondence with both Chime and the IRS. 

I trust the CFPB will take appropriate action to ensure Chime addresses their obligations and resolves this matter promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation