vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was victim of fraud, on XX/XX/XXXX I sent letter to upstart network finance to explain that I see they report to credit bureau that I have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name .i would like this to permanently delete from 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 2024-08-10 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-10 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: TX

Complaint narrative:
I am writing to inform you that upon reviewing my credit report, I have discovered several unauthorized credit inquiries that indicate potential identity theft. The following inquiries were identified : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and XXXX, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the four business days.

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
My cashapp account was closed. The bank stated that there was fraudulent activity on my account. There was never fraudulent activity on my account. Funds was taken out of my account along with others that I sent funds to. The bank stated that I did a dispute. No disputes was ever done and now my account is in the negative!!!! No documents or reason for this problem that occurred was given

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Greetings, I use XXXX payment through Chase bank. I was sending money using XXXX to my brother who uses XXXX. I entered his phone number which is registered with XXXX. When I entered his phone number, XXXX asked me to provide his email address. When I was writing his email address, I missed one later in the email address but his phone number was correct. When I sent the money to him, XXXX used his email address instead of his phone number. He did not receive the money that I sent to him. It went to an email address which is not his. I would like to cancel this transaction. I called Chase bank, they said they can not help because XXXX is operating that transaction and asked me to call XXXX. When I called XXXX, XXXX told me to call Chase because it was from chase. Please help me. My phone number is XXXX XXXX the transaction number from Chase is XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a Dell Pay credit account issued by Comenity Bank. My due date is the XXXX of each month. On the evening of XX/XX/XXXX, I attempted to make a payment on my account. Their website was completely unavailable due to the well publicized global IT outage. When calling on the phone the message to customers was that their customer service representatives were not available at all. I tried again to make a payment on the morning of XX/XX/XXXX ( due date ). Their website was still offline. When I tried again at XXXX that evening, the website for payments was working again but since it was after XXXX XXXX, I could only select XX/XX/XXXX which they considered late. I was charged a {$29.00} late fee. When calling the customer service representative to have the late fee removed, I had to argue with them about how it was Comenity 's fault the payment was late. The representative removed the late fee but acted like Comenity was doing me a favor and went so far as to remind me payments are due by XXXX XXXX  on the due date. I have never paid this account late. This is very poor customer service on their part and is very wrong to blame the customer for something that was their fault all along. Comenity needs to be reprimanded for this poor service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I opened a XXXX credit card and I was late they waved my late fee and I payed it off. Now they are calling to say I didn't pay the late fee so I owe interest and More late fees since XXXX cuz I have not made any more payments so it keeps growing my bills I don't have! it was a trick that is growing while I think it's paid off please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 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. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-XXXX  company has no permission to report my information per 15 USC 16814 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion XXXX and XXXX has been reporting inaccurate information which is a violation of 15 U.S. CODE 1681

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 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
The company JEFFERSON CAPITAL SYSTEMS is attempting to collect a debt I do not owe. 
They repeatedly report this fraudulent information. I have not contract with them and have received no services from them. I want them to withdraw there fraudulent report from my records immediately. This has cost me my good name and has brought a great deal of stress to my life. They repetitively send harassing mail to my home and wont go away. 
I have no accounts with them and never had. They lie and say that I owe them money. I have not ever signed anything stating any such agreements with them. I WANT THEM TO REMOVE THEIR NAME AND DEROGATORY MARK FROM MY CREDIT REPORT. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: IN

Complaint narrative:
FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} XXXX Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until 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 2024-08-10 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: TX

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called wells Fargo Wednesday, XX/XX/XXXX, I told them I needed to talk about my account for the last several months they have been allowing stuff to come out of my account which then they are hitting me with over {$100.00} in fees every time. I have turned everything off and they are still allowing stuff to be put through just so they can charge more fees. When I spoke to them I told them someone needs to figure this out because it is getting to the point now that I am paying them more in fees then what I am paying in bills. Its ridiculous. In just one period last month I paid over {$900.00} in fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
On XX/XX/year> I spoke with an agent from XXXX. She told me Credit acceptance was lying about not being able to remove the debt. She also told me that credit acceptance has all the documents to remove it. And that XXXX has all the documents to remove as well and they are just waiting on the creditor. The agent also suggested it was illegal that credit acceptance refuses to remove the tradelines with documentation. XXXX removed the employment information from my report. The same job credit acceptance is claiming I gave them paystubs for. Credit acceptance also removed their XXXX ad after I brought attention to their negative reviews and shared other similar experiences to mine with the CFPB and XXXX. I called credit acceptance and like always they offer no solutions. They told me to my face they will not change their Answer. The legal team is very rude and disrespectful also refuses to help with my situation. I plan to take legal action and sue credit acceptance for the damages if this is not removed. They also told me that they will not respond to my CFPB report that is unfair because Im using my resources the best way I know how. They admitted on a recorded line they accept fraudulent information for an auto loan. But wont remove this account. They are gathering information from the disputes not from the contract and using it against me

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 2024-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: MN

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX 's letter endorsed by 35 Senators, the loan type does NOT have any relationship to eligibility under the Holder Rule. Please refer to the section titled " XXXX Appears to Be Improperly Rejecting Applications. '' Bullet two specifically calls out refinanced student loans held by Earnest. 

Friday, XX/XX/XXXX ( My email to Earnst ) I requested an application for loan forgiveness on my refinanced Earnest student loan that was used for attendance at the XXXX XXXX. This is my second request for the application. The first was denied because of the type of loan. 

Friday, XX/XX/XXXX ( Earnest email to me ) Our records show that you refinanced your Navient and XXXX loan ( s ) with Earnest in XX/XX/2018. Unfortunately, your loan would not be eligible for consideration for discharge through Earnest given that it is a private refinance loan and not a loan used directly for attendance at the XXXX XXXX. 

Saturday, XX/XX/XXXX ( My email to Earnst ) As pointed out in the previous email, refinance with Earnest is in fact eligible. Again, I am requesting a misconduct form for my student loan. 

Saturday, XX/XX/XXXX ( Earnest email to me ) Unfortunately, since your loans are not eligible for consideration for discharge through Earnest, since it is a private refinance loan and not a loan used directly for attendance at the XXXX XXXX, we would be unable to provide you with a misconduct form since we don't provide them. 

Linked here is the letter written by Congress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
on XX/XX/year> I recieved several phone calls saying from Credit Karma and that they needed me to press one for yes 2 for no about a XXXX transaction taking place. I didn't want to press anything as I felt it was a scam. So I called Credit Karma and was informed that they had not tried to call me, nor was anyone trying to make a transaction. 
on XXXX  XX/XX/year> I picked up XXXX XXXX and was informed my Credit Karma Money card was declined. As I knew I had plenty of money on it I checked my credit Karma account and found that my accounts were FROZEN! I called and was told only that it was for my protection. I was livid as I needed to be able to access the money. I was told that on XX/XX/year> I could go to an ATM and withdraw from my card, which I did, XXXX. 
on the XXXX my account was unfrozen. On the evening of the XXXX I got a push notification on my phone that the transfer of XXXX from my savings to my Spend account had been completed... I did not authorize this so I immediately called credit Karma only to be asked if I had changed my phone number. I had NOT and still can not understand how they allowed someone to change my phone number when they wouldn't even TALK to me without sending me a link and my sending them my drivers license, front and back, as well as a selfie of myself holding the drivers license! By the time I got through over XXXX had been removed from my money account by ATM transactions and purchases at XXXX. THIS took place while I was on the phone! 
Credit Karma froze my money card, and i asked them to freeze my checking account until they got my stolen money back. Now there is a screen with the WRONG phone number on it and they ask me to verify that it's my number, it isn't! I have had the same phone number since the day I opened Credit Karma. I asked today why they won't put MY phone number back, and I am told they are working on it. Shouldn't my phone number be back on there as well as asking me to change my password? Isn't Credit Karma supposed to protect us? How did they allow a hacker to come into my account and compromise it by changing MY INFORMATION. Now I am told it may be 90 days! I would like to get all of the money out of my accounts before Credit Karma allows it to happen again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AL

Complaint narrative:
I had no choice in my loan being disbursed to Mohella from XXXX. Mohella is facing more legal problems than XXXX. 

XX/XX/scrub>XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was victim of fraud, on XX/XX/XXXX I sent letter to XXXX XXXX XXXX  to explain that I see they report to credit bureau that I have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name .i would like this to permanently delete from 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