vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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 am writing to dispute the following information on my credit report. I have identified accounts that I do not recognize and believe to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Ac

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 2024-06-12 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:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Ac

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-12 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: GA

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: IL

Complaint narrative:
I am writing to dispute the following information on my credit report. I have identified accounts that I do not recognize and believe to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CA

Complaint narrative:
I am writing to file a complaint against Experian for inaccurately reporting late payments on my student loans, which is in direct violation of the CARES Act. According to the CARES Act, " During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower ''. 
This time period for the cares act spans from XXXX XX/XX/XXXX. 


Despite this provision, Experian has reported my student loan payments as late, which has significantly damaged my credit score. This incorrect reporting is heavily impacting my life, making it difficult for me to secure housing and other essential services. 

Acct XXXX is showing late payments from XXXX XXXX. 

I have disputed this account many times since XXXX, and have asked Experian to investigate this many times. 

I request that the CFPB intervene and ensure that Experian corrects this error by removing all late payments for this account from my credit report immediately.

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 2024-06-12 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: SC

Complaint narrative:
15 USC 1681 ( e ) b The List of accounts below has 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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

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 2024-06-12 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: NC

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 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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I started with the home buying process. I was told by mortgage lender that there is a hold on my Equifax report. When calling Equifax I was told that in XXXX or XXXX an internal freeze was put on my report. I asked how I get it removed the woman I spoke with stated I have to provide a cover letter, copy of my drivers license with current address and correct name, and a copy of my social security card asking for the removal of the internal freeze. She told me that this can only be sent by mail. They do not accept via fax or email. I sent all documents out via mail on XX/XX/XXXX. When calling today, XX/XX/XXXX, I was told by supervisor XXXX that they have not received my information and the internal lock remains. I was never informed of this internal lock, never requested this lock, and didnt need it. This has made the home buying process take longer because they need information from all three credit bureaus. This was done unwillingly and unknowingly and now my personal information has yet to be found. There is no number or email address for the department that handles the documents. This is worrisome and I need this fixed along with knowing my account has been updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am unable to add recipients on my own using the Chase website or mobile app ( XXXX ). The option to send the code to my registered phone number does not appear, and instead, a message instructs me to call Chase to obtain the code along another message that reads : " You don't have any phone numbers that are eligible to get an activation code. ". This is despite my phone number being registered with my Chase account, as I regularly receive notifications, alerts, and sign-in codes.

It is impractical to require clients to call Chase just to add a recipient.

I contacted Chase support and, after being transferred multiple times, no one could explain why this is happening. I have friends who are also Chase clients who do not experience this issue. Seems like it's technical issue as I opened my account in-branch vs. online.

Furthermore, I visited a nearby Chase branch, where the staff called on my behalf and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
I have XXXX account reporting inaccurate info on my report and it's keep XXXX XXXX XXXX  dats can't be rite XXXX acct XXXX XXXX changes off close and sold too a debt collector card was only {$300.00} they are report balances XXXX XXXX report late never was late XXXXXXXX XXXX  never late XXXX XXXX report XXXX XXXX balance and XXXX car was repo and sold at auction wrong XXXX XXXX XXXX XXXX never XXXX XXXX XXXX XXXX XXXX changes off XXXX XXXX  XXXX never late XXXX XXXX never late XXXX XXXX XXXX never late and they don't never show me proof war I asked for like who they spk too with da company how is it keep XXXX XXXX XXXX  they should show proof if not update are removed

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 2024-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
We tried to make transfers of {$5000.00}, {$12000.00} and {$20000.00} from our joint ( husband/wife ) accounts at Marcus by Goldman Sachs to checking accounts at other US financial institutions ( XXXX, XXXX XXXX XXXX ) in our joint names. These accounts were previously verified by Marcus & linked to our account. Marcus/GS has a security procedure where they make small deposits to the account at another institution you wish to link. Once you verify the date and amount you can link the accounts to transfer funds to & from Marcus. Marcus readily accepted funds in from our accounts elsewhere. We were in XXXX and attempted to use the app to make transfers from our Marcus account to our U.S. accounts. One transfer was reversed and we had problems with the others. After 2.5 hours calling from XXXX with 5 different Marcus Reps, we were told they would not allow any transfers until our return to the USA.?!?! We have never encountered this limitation at any US financial institution previously. When we opened the Marcus accounts, we were never explicitly informed of this limitation in a clearly evident way ( maybe it was in the small print, but it wasn't evident ), and in the intervening years have had in excess of {$300000.00} deposited with Marcus and made transfers to/from US account without issue, including when we were abroad ( we have a home in XXXX ) . Marcus/GS should much more explicitly state this limitation, as it is an unusual rule and now is causing us to borrow money from an overdraft until we return in 4 weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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 writing to dispute the unauthorized inquiries listed on my credit report. I did not authorize these inquiries, and I request that they be removed from my credit file.

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 2024-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I received a notice from Mohela yesterday XXXX XX/XX/XXXX that said " Our records indicate that your XXXX billing statement was sent beyond the normal 21 days prior to the due date.Your automatic payment via auto debit successfully withdrew from your designated account in XX/XX/XXXX. 
If you feel as through the amount you owed for the month of XXXX was incorrect or that no payment was due on your account, you may contact us within 90 calendar days of the date of this notice to request a refund and forbearance will be applied for that month. '' I am alarmed that my federal student loan provider Mohela would have no idea if I overpaid my loan in XXXX, and are only now informing me now 8 months later. The most frustrating aspect of this communication is the term " if you feel ... ''. I FEEL that my provider, who receives XXXX of XXXX  of dollars from the US government to service these loans, should be able to tell me if I have overpaid or not. There is no 'feeling ' when it comes to accounting. I now have absolutely no faith in Mohela, and worry that the nearly {$500.00} a month I am paying to my loans are being serviced accurately to my multiple loans. I am not responding to Mohela because I honestly have no time to go back to my records from 8 months ago and look into this to let them know what errors they may have made. I work full-time to ensure my loans are paid every month. The onus should be on them to let me know, not vice versa. If they can't tell me that, they should refund everyone their XXXX payment, and they can take the hit for that month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-12 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: IL

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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have not given written permission for this account and others to be furnished on my credit report which is required in FCRA 605B and 15 USC 1681a2. I also was not made aware of these debts, nor have I received verification from the creditor including the original contract with my signature, copy of the payment history, and proof of collection authorization.

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 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my Chase reserve card ( I paid {$550.00} annual fee, which includes fraud protection ) was charged a fraudulent amount of {$190.00} by XXXX. We ordered one Smart Garage Door Opener on XXXX for {$190.00} and paid the entire balance with the XXXX gift card and XXXX credit card ( {$150.00} with our XXXX gift card and {$40.00} with the XXXX credit card ). However, XXXX also charged us another {$190.00} on the Chase credit card. As a result, we were charged twice for one product. In XXXX, we called XXXX four times to dispute this charge, and XXXX mentioned that the charge on the Chase credit card was not from our XXXX account and could not further assist with this issue. They recommended that we dispute this fraudulent charge with our credit card company. 

On XX/XX/year>, we submitted the claim to Chase along with all supporting documents ( including Chase bank statements, XXXX purchase receipts, and all other supports to prove the fraudulent charge ). We requested a call back/follow up from Chase should there be any more information needed. However, we were not contacted and we did not receive any refund. We decided to call Chase on XX/XX/year> to follow up. We were told that there's not enough support provided and the claim was rejected. We have provided everything. Chase went ahead and closed the claim without letting us know and refused to reopen this claim. We have called and spoke with multiple Chase representatives on this and have exhausted everything we can do, but Chase has refused to respond to our request. We need help and protection as every day consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation