vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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

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 2024-05-08 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: DISCOVER BANK
State: AZ

Complaint narrative:
At the beginning of May I filed a dispute for XXXX XXXX with XXXX  due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also crediter did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this to address a complaint and request ongoing investigation into unauthorized inquiries found on my credit reports. It is imperative that the three Credit Bureaus investigate these fraudulent inquiries as stipulated by law. Listed below are the inquiries in question that require detailed examination : 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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this to address a complaint and request ongoing investigation into unauthorized inquiries found on my credit reports. It is imperative that the three Credit Bureaus investigate these fraudulent inquiries as stipulated by law. Listed below are the inquiries in question that require detailed examination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I'm a victim of XXXX XXXXt. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$1000.00XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXXXXXX XXXX Balance {$880.00} XXXX XXXXXXXX XXXX Balance {$840.00} XXXX  XXXX XXXX Balance {$51.00} XXXX XXXXXXXX XXXX Balance {$0.00XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I'm a victim of XXXX XXXX My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$510.00} XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX Balance {$51.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$840.00} 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 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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been a Chase Sapphire customer for about 2 years now. 

I enrolled in a payment plan by Chase for an Amazon purchase worth {$2800.00} on XXXX XX/XX/2022. The payment was to be made in 18 installments over the course of 18 months.

I was paying off this purchase on schedule and on time till 4 months which amounts to {$630.00}. 

4 months later, I got a refund from United Airlines for some flights I booked through this credit card worth {$1300.00} and this is where the ordeal began. 

Chase claims that any credit/refund which comes into the card, that amount automatically goes towards the payment plan so in this case the credit from United Airlines got applied to the Chase payment plan. 

So in this case, {$2800.00} - {$630.00} ( the payments I made for 4 months ) = {$2200.00}. 

Then apply the credit from United Airlines {$2200.00} - {$1300.00} = ~ {$850.00}. ( Credit from United Airlines ) I continued to make payments every month for the payment plan unbeknownst of the fact that Chase had decided to apply the flight credit automatically to the payment plan. 

Firstly, the claim from Chase that credits are rolled over into your payment plan are bogus. There is no way the system is designed to roll over money into a plan like that unless I explicitly make a payment into the plan on a monthly basis or I decide to pay it off. 

Due to this, I was getting charged interest on my United airlines transactions as their system was considering these transactions as outstanding balances. 

I called Chase after noticing this and they agreed this was a glitch in their system and this shouldnt have happened. I was able to get these interest charges reversed for a total of 4 times. But after 4 months this STILL kept happening and due to circumstances I wasnt able to get on a call with their useless customer service and be kept on hold for long periods of time. 

Due to this I kept getting charged interest for a total of 14-15 months since I got the United refund which amounts to {$190.00} worth of interest. 

We escalated to the Chase Executive Office to get this resolved but no one at Chase seems to care and acknowledge that this was an error on their part and they keep passing this off as something which is how it's supposed to work. Weve also filed a XXXX complaint and that has gone in vain. 

This case is being handled by XXXX from the executive team and his number is XXXX extension XXXX. The customer service has been abysmal with zero accountability and all my concerns have been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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:
I have diligently followed all the necessary procedures in disputing this account. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Equifax, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. 

XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this message finds you well. Despite my previous request to remove these fraudulent items, I regret to inform you that they still remain unresolved. As a result, I am reaching out once again to request your urgent assistance in rectifying this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.

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 2024-05-08 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: TX

Complaint narrative:
I hope this message finds you well. Despite my previous request to remove these fraudulent items, I regret to inform you that they still remain unresolved. As a result, I am reaching out once again to request your urgent assistance in rectifying this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX  XXXX Balance {$710.00XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$10000.00}

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 2024-05-08 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: GA

Complaint narrative:
XXXX XXXX Re : XXXX XXXX Account Number : { XXXX } To Whom It May Concern, I have received my credit report and I have contacted numerous times and even disputed it with the Credit Bureau XXXX I am requesting a XXXX XXXX to remove the late payment ( XXXX ). 
All late payments were from late XXXX until early XXXX during the pandemic, and financial crisis. Before this time frame I paid more than asked ahead of time. 
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payments are being reported and I am requesting the removal of these late payments, as it has been reported to the Bureaus. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
XXXX XXXX Re : XXXX XXXX Account Number : { XXXX } To Whom It XXXX Concern, I have received my credit report and I have contacted numerous times and even disputed it with the Credit Bureau XXXX I am requesting a XXXX XXXX to remove the late payment ( XXXX ). 
All late payments were from late XXXX until early XXXX during the pandemic, and financial crisis. Before this time frame I paid more than asked ahead of time. 
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payments are being reported and I am requesting the removal of these late payments, as it has been reported to the Bureaus. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
Firstmark Services has been illegally collecting on a debt that was obtained through predatory and illegal means. Multiple Attorney General 's have found the respective owner 's of the XXXX XXXX acted illegally, therefore costing the school it's accreditation, full closure, and Department of Education and numerous Attorney General findings of pervasive and predatory fraud that was both rampant and detrimental to students dreams ( which were crushed ). The burden of proof for Discharge for the " Note '' has been met. Not only has the loan been outstanding since XXXX, it has created cyclical and long-term debt-bondage from an invalid debt.

The validity of the contract itself, is in question as it is unconscionable, and deprives students the basic tenants of Law afforded by The Constitution. I.E., I am stipulating that the contract is both invalid and negligent as it was obtained via manipulation, deceit, and illegal predatory tactics. I am requesting the full discharge of said loan, including the reimbursement of any and all amounts paid, including interest paid/earned. Clauses in numerous courts, including bankruptcy and contractual as the " Note '' itself predatory debt bondage as the school has closed since XXXX, which is same year that accreditation was lost, yet Firstmark Services continued to fraudulently collect on a debt that was known to be illegal in nature and obtained illegally. 

The below is a quote from the President of the United States of America regarding the XXXX XXXX, with the latter consisting of Education Department findings. 

This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies, XXXX XXXX XXXX said in a statement. 

Based on an ED finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. Please acknowledge receipt of this message and provide an update on the progress of correcting the opening dates of my account. With this, I am asking for your assistance to correct these accounts in my credit file : 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 2024-05-08 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: NC

Complaint narrative:
Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I didnt authorized hard inquiries from this company

Company response to consumer: Closed with explanation