vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XXXX XXXX I deposited {$360.00} into the ATM at chase bank located XXXX XXXX. The terminal then gave me a receipt that told me to call an XXXX number to ensure my money was received. I have never got this type of receipt before. I called the number and told them what happened because my money didnt post to my account. I gave them the terminal number ( XXXX ) and all the other numbers that was asked of me. They gave me a provisional deposit so everything was good. Today I noticed a reversal on my account of the {$360.00}. I called chase to see what happened and I was told that their investigation found I didnt make a deposit. The clerk told me theres nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureau is reporting an account from XXXX on my credit report that was never open, back on XX/XX/year> I requested that XXXX transfer my number from XXXX XXXX XXXX XXXX  declined the transfer because of a outstanding bill so I stayed with XXXX XXXX XXXX XXXX XXXX to cancel service request on XX/XX/year>, around XX/XX/year> XXXX start sending me harassing & threatening emails of service interruptions and 3rd party collection threats. I emailed XXXX XXXX XXXX 3 different times to tell them I did not have service or an account with them to please stop harassing me. The credit bureau says they verified the account as accurate without showing me a phone number associated with an account or a call history log, I even called XXXX XXXX back on XX/XX/year> to complain about the harassing emails I stayed on phone call 25 minutes with a representative of XXXX who assured me the problem would be taken care of and he would have his supervisor call me back which they never did. I will include copies of emails and screenshots of phone calls.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, there was a charge to my td checking account XXXX for XXXX for merchandise I have never received. I have disputed this charge with td XXXX different times and however the chargeback was reversed. On XX/XX/XXXX, the merchant has refunded the amount to my account however, the account was closed on XXXX XXXX. XXXX td bank apply the credit to my bank account and reinstate the charge? The account should not have a negative balance as I have attempted several times to dispute the charge and was working with merchant on a resolution for merchandise, I have never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I uploaded documents pertaining to my Public Service Loan Forgiveness status and still have not received an update. Documents were uploaded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and still have a processing status. I have emailed and called MOHELA several times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about my status and no one has given me a clear answer. These documents include a XXXX and offer letter from an organization that no longer exists, because I was told by a MOHELA rep that I would need to submit this documentation in order to receive credit. At this point, I believe I should be eligible for forgiveness for part of, if not all of my loans. My fear is that I will have to pay on loans that should have been forgiven already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2024 I received a letter saying my Chase checking account had been restricted and to call them asap. I called them and they didnt give me the chance to un-restrict my account and instead made the decision to close it. I have about {$3000.00} in my account and they are not releasing my funds to me until my account is fully closed which the projected date is XX/XX/2024. I went to a Chase branch to see if I could get my funds from my account but I was refused in a very rude manner and said to wait for my check. I can not go a whole month without my money and Chase is denying to give my hard earned {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/ I purchased a Vanilla Gift card from XXXX XXXX, in XXXX XXXX, and loaded {$100.00} onto it. It was a XXXX gift for my grandson. He tried numerous times to spend the money online but was unable to. He found out that Vanilla had cancelled the order. I got the gift card from my grandson and was going to see if I could use it. While in the process of doing this, I go to Vanilla 's website, and there is {$0.00} left on it. There was a transaction pending for XXXX XXXX for {$99.00} on the card. This was not my purchase. I called the company XXXX times because I kept getting the phone hung up on me. I could not get a satisfactory answer from any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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:
This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2024-01-18 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:
This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.

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 2024-01-18 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: IA

Complaint narrative:
I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA  enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.

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 2024-01-18 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I have sent letters the credit bureaus and Kansas Counselors to dispute this matter and I have never heard back from anyone. I have sent letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All the dispute letters I've received have been ignored or they send me letters stalling the process. 

Kansas Counselors continue to report negative information on my credit report which is invalidated and incorrect. They are even reporting XXXX of the same accounts on my credit report. At this time the agency is in violation under HIPPA and in violation for not following proper procedures under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint Citi bank double transferred money due to a " internal error ''. I opened a ticket with them asking for an letter to provide my bank and a refund on my overdraft and late fees. Citi has told me to go to a branch because they are unable to accomplish either of these things. The branch tells me to call customer service. This issue happened on XX/XX/2023. I was in the woods hunting for the first 10 days of the month. When I got back into phone signal I noticed all of this and contacted CITI right away. I opened a ticket with the back office and called weekly for a resolution - there was none. They continue to tell me to go into a branch. 

How can your complaint be satisfactorily addressed? 
I would at least like my late fees and overdraft fees refunded but I would really like a letter or some kind of acknowledgement that I can send to my bank that this was not my fault. I have NEVER missed a payment until now and it wasn't my fault. I didn't double transfer the money.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As of today, I, XXXX XXXX XXXX XXXX, am explicitly requesting the issuance of Form 1099-C for the charged-off account ending in XXXX. 
I am formally requesting the issuance of Form 1099-C to ensure accurate reporting of the canceled debt associated with my account, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roycroft Management
State: IL

Complaint narrative:
Today was the second time calling me about this debt. They say there was a complaint filed against me by XXXX XXXX XXXX  for money owed. They also say that something was sent to me be registered mail ( I never got anything from anybody ) they would not even send me proof of the debt showing me what I owe! They also say that there will be a case filed in county court and will asses lawyers fees and other fees to make the amount larger.

I believe this to be a scam because my information was sold by a payday loan company and now I am getting all kinds of emails and now these phone calls about money I dont owe. Any payday loan I had was listed in my previous bankruptcy and cleared of that debt.

There is nothing on my credit report dealing with XXXX XXXX XXXX. Im putting a freeze on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America offered a promotion for credit card to spend {$1000.00} get {$200.00} credit by XXXX. I met this requirement yet they are not delivering on the terms due to XXXX charge that did not post to the account till XX/XX/XXXX yet the purchase and receipt state 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 2024-01-18 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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