vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After the third time trying to fix my mortgage account with Chase I have given up and need your help. I have a mortgage account that I have been paying on for 19 years that is not being shown as an open account. It is current and has been for many years but I get no credit from the credit reporting agencies because it is being reported as closed. My credit scores are being affected greatly because of this situation. It states on my credit reports that the lack of a mortgage account and a installment account is holding down my scores. All I would like Chase to do is report this account accurately to all three bureaus. I opened this account XX/XX/2004 and just made another on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
I don't know what this is! Experian XXXX and XXXX has been reporting inaccuracies on my file. I have been denied from buying a house! remove this account I have no idea about it. I will sue just like the consumers did XXXX XXXX XXXX XXXX XXXX for inaccuracies

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 2024-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX about a debt owed in my name. I asked for basic information such as their name and address, my original loan information and all of the associated with it such as what was owed. 

They tried to work out a payment system and then asked for my debit card information and when that happened I asked for the basic information that they are supposed to provide. Then they started getting rude and telling me I was gon na have all of my assets taken and I would be taken to court and sued. They wouldn't give me any information that I needed to verify the loan unless I gave them some sort of payment information. 

I only have one car to my name that's worth {$500.00}. They are threatening me that they will take it and sue me in court.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found a significant amount of inaccurate information on my credit report, which I have been disputing online and through the mail. I have a My Equifax account where I can view my credit report, score and dispute items online. For the last 3 months, when I log in, I get the following error message : Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at XXXX XXXX XXXX XXXX or try again later. 

We are temporarily unable to retrieve the status of your security freeze. 
Please try again later. 

We are temporarily unable to retrieve the status of your active duty or fraud alert. 
Please try again later. 

First of all, I don't have a security freeze on my account nor do I have a fraud alert on my account. I can not view my credit report, score or access my online disputes. I've called 6 times and they tell me every time that they will escalate the issue but I never hear from anyone and they never fix my account. I've wasted countless hours on the phone with Equifax and they have done absolutely nothing to resolve my issue. Today alone, I've been on the phone for over 45 minutes and I'm still on hold. I've spoken with a supervisor, a manager... the supervisor today told me he only sees that I've called one time about this issue but I've called 6 times and today is my 7th call. 

I used to be able to log in, see my score, my credit report and dispute information just fine. The problem is not on my end and I need this resolved immediately because I can not fix the errors on my credit report nor can I monitor the activity. 

In a separate attachment, I will provide my login information, ID, and information to identify myself. Please do NOT send me a letter stating I have to mail my identification information because it is attached. Dealing with these credit reporting agencies is a joke. How are we supposed trust them with our information? They are inept at credit reporting, they do not investigate disputes properly, it takes forever to reach them on the phone and their customer service is below substandard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-01-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
In XXXX, 2024 I set up an estate account for my mother 's estate. I was promised ( and signed for ) a higher interest " bump account ''. The interest rate was not calculated correctly and I have been waiting since XXXX for the correct amount to be applied to the estate account. Per the probate court, we should have dispersed the money to the beneficiaries by last Friday, XX/XX/2024. I have been in contact daily with the bank manager and her manager who have been unable to get an amount calculated by their interest department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: NJ

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 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 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PR

Complaint narrative:
Greetings, I have an ongoing issue with receiving my vehicle title from Toyota Financial Services. I own a XXXX XXXX XXXX and it was paid off to TFS in XXXX XXXX XXXX. During that period I submitted requests for a change of address prior to payoff to avoid being mailed to the incorrect address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My vehicle registration was not due during transfer and came due around the time I paid off my vehicle. So during this period I was trying to manage correcting my address on my vehicle registration which is in XXXX, with a XXXX  Drivers License, and just XXXX  to XXXX XXXX. All I needed TFS to do was change my mailing address on file and confirm that my title would be sent to my residential address in XXXX. This was during XX/XX/XXXX into XX/XX/XXXX. I submitted a couple tickets for this issue and spoke to representatives and nothing got taken care of. One of the tickets and responses from the CSR was that since Im XXXX  in XXXX  I would have to talk to Toyota XXXX XXXX XXXX regarding this issue. This is absolutely not the case. XXXX  has nothing to do with my loan and title of the vehicle. Another response to my ticket from a CSR was that I would need to contact XXXX  because that is where my vehicle is registered. Still not the case. My loan is financed through Toyota Financial Services and my loan is paid off. Everything was up to date on my TFS account and profile and nothing ever happened to my request. Fast forward a year down the road because of other things we encountered during our time, we were buying a house and moved twice and dealt with a hurricane in XXXX. 

Its XX/XX/XXXX into XX/XX/XXXX and I am in Receipt of XXXX XXXX XXXX. I can not XXXX XXXX XXXX XXXX XXXX XXXX  without my title since it is no longer financed or liened. In order to ship it there I needed letters from Toyota stating I was able to ship it to XXXX. The same goes for XXXX XXXX XXXX XXXX XXXX, it will not clear the XXXX. 


I again contact TFS and bring my issue up again and the agent says hes not sure what happened and why my title was never processed. I can log in to my account and view the status of my ticket and it shows paid off and account closed, but just shows pending under Title Processing. This is unacceptable. He says he will submit another request to have this addressed and will speak to his supervisor to have this escalated and expedited. I call every couples days and receive the same response. Im reassured that when it ships it will ship as XXXX XXXX. But it still hasnt shipped. This level of customer service is unacceptable to say the least. I need appropriate action to receipt my vehicle title and I need to clear my vehicle XXXX XXXX XXXX  in preparation for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I fixed everything on the account once I was notified. It's not that I refused to pay it or couldn't pay it, it's that the ONLY reason that account ended up delinquent and XXXX  days behind was because their app not only mislead me, but also misrepresented the fact that auto pay was not for my capital one account as a whole but rather one individual card instead of all on my account. It kept telling me auto pay was on but little to my knowledge it was just for that one card and notifying me a payment is coming up and auto pay was on. I never got notifications on the app about my behind card either, I only found out because of XXXX XXXX. They never made it clear that auto pay was for individual cards and not my whole capital one account. So I went months thinking everything was good and being paid on my other XXXX card. They also gave me some false sense of security by removing it, then not even XXXX days later, they added it back. All this, over a misunderstanding with their app structure. If you look at my other capital one account, it even has perfect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2024-01-11 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
Answered email saying I owed PayPal {$580.00}. 
They put {$2000.00} in my Checking account. Somehow they had access to my bank accounts. Said I could repay by buying XXXX XXXX cards and turning the funds over to them. Bought XXXX & # XXXX. Two from my credit card account and one from my checking account. There was not enough money in by checking account so they transferred money from 2 other of my accounts to cover the cost. At this point I realized it was a scam because they wanted me to go buy another gift card. I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cleaned my computer. New bank accounts and credit card have been issued. I am out {$1500.00} and {$580.00} from a joint bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my XXXX consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On two recent occasions, US Dollar payments that we sent to a UK vendor were converted to Sterling even though our instructions were to send US Dollars. These payments were made to our vendor 's US Dollar account at their local bank so the Sterling could not be received. By the time it was converted to USD, our vendor lost several hundred dollars in fees and/or XXXX  losses. 

Our account is with XXXX XXXX  in XXXX XXXX, NJ. They say that the conversion was done without their instructions by Wells Fargo, who is their default intermediary bank for international wire transfers. 

XXXX has now put our company on a " Do Not Convert '' list with Wells Fargo. They have also told me that our banking covenants may allow them ( or their agents ) to convert the currency of international payments. This does not seem proper to me. 

Finally, I suspect that Wells benefited from this conversion in two ways. First, it may have been intended to help them remedy an unwanted long position in Sterling. Secondly, I suspect that they were the beneficiary of the extra costs.

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