vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: AZ

Complaint narrative:
This is seriously alarming, there appears to be information that has been mixed with my credit report, this account keeps appearing on it which isn't mine. This is misreported, and this error has been affecting my life negatively causing me undue stress and sleepless nights with my new credit applications being denied because of this.

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 2024-10-15 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: FL

Complaint narrative:
XXXX XX/XX/XXXX I was reviewing my consumer report and noticed that there was a lot of false information and outdated information on there. I reached out to the 3 Credit Reporting Agencies XXXX XXXX, XXXX, TransUnion ) for as long as two years with no responses to my letters. numerous rounds of letters I've committed my time towards. My first round of letters started on XX/XX/XXXX and ended on XX/XX/XXXX. I've wasted nothing but time, money, and energy that got me a case full of neglect against my consumer rights.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX I was reviewing my consumer report and noticed that there was a lot of false information and outdated information on there. I reached out to the 3 Credit Reporting Agencies ( Equifax, XXXX, XXXX ) for as long as two years with no responses to my letters. numerous rounds of letters I've committed my time towards. My first round of letters started on XX/XX/XXXX and ended on XX/XX/XXXX. I've wasted nothing but time, money, and energy that got me a case full of neglect against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IA

Complaint narrative:
I had a garnishment with Jefferson Capital System LLC. For a debt I paid the garnishment in XXXX. My attorney filed for a motion to quash due to hardship and limitations on a garnishment in a year. We had court XX/XX/XXXX which the motion was settled with Jefferson Capital agree to close the case, and to return full refund to me. So my attorney told me to look out for my refund in the mail. I have yet to receive the check so I reached out to Jefferson Capital on XX/XX/XXXX and was told they didnt have the check to reach out to XXXX XXXX XXXX reached out to XXXX XXXX they told me to contact XXXX XXXX which XXXX XXXX XXXX they do not have the check and that Jefferson Capital has the check and stated it was also cashed. So I was directed by my attorney to go down to the court house in person. Which I did and spoke with the supervisor, then spoke with the supervisor in Bookkeeping who reached out to Jefferson Capital and was told he thought he sent the check, but was sending it out today which was XX/XX/XXXX she called me and told me to call them again on Monday to do a follow up! Which I didnt cause I was working and forgot but reached out to Jefferson Capital Tuesday XX/XX/XXXX and was told that he sent the check out on XX/XX/XXXX for {$1900.00} which should of been {$2200.00}. Shortly after speaking with them my Attorney calls and states she just got off the for with Jefferson Capital and he had XXXX options for me XXXX. I can get a refund of {$700.00} and the case would be closed or XXXX. I can get the full refund and he can come back in the future and garnish the remaining balance. My attorney knows Im in the process of filing bankruptcy so she suggested I take the full payment refund so she called him back and told him to send the full refund. So the came XX/XX/XXXX the check was in the mail for {$760.00} but the stub had {$1000.00} interest {$120.00} so I emailed my attorney she didnt reply she is sick so o reached out to her assistant and told her what was going on! And when this happens I noticed that sent another garnishment for the same one for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-10-15 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-15 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: TX

Complaint narrative:
Upon reviewing my credit report, I found several mistakes, especially regarding late payments. These are inconsistent with my payment history. Please update my account with the corrected information. Thank you!

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 2024-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am formally expressing my profound frustration and concern regarding my ongoing issue with J.P. Morgan Chase Bank. I have been inexplicably unable to access the funds deposited by the Internal Revenue Service ( IRS ) into my account, and this situation has escalated into an exceptionally distressing ordeal.

Over the past several weeks, I have contacted the bank on multiple occasions, only to receive conflicting information. Some representatives have informed me that my account has been closed, while others have assured me that it remains active. This inconsistency has left me uncertain of the status of my account, despite diligently following all the recommended steps. Regrettably, despite each time I contact customer service, I am advised to wait XXXX hours or XXXX business days for a resolution, only to find that nothing has transpired. Furthermore, I am currently experiencing financial hardship as I am undergoing XXXX treatment. Every dollar is indispensable for my medical care and daily living expenses, and this delay in accessing my funds is causing significant strain on my well-being. 
In the past, I sought assistance at a local branch and was provided with guidance by XXXX at the XXXX XXXX XXXX and XXXX location in XXXX XXXX, where I provided the necessary documents and was advised to wait while the review was complete before contacting the department handling this matter. The contact information for this department is XXXX ( XXXX ) XXXX, option XXXX. XXXX demonstrated exceptional professionalism, providing me with a business card, but unfortunately, my issue remains unresolved. 
I am compelled to escalate this matter to my attorney and request contact information to your legal department. Providing this information is crucial, as I understand that some departments do not directly engage with customers without it. My attorney has advised me that they will pursue the necessary legal avenues to obtain it. 
Kindly guide me to someone who can assist me in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ATM card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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 recently received a response to a dispute that I made under FCRA 809 ( B ) regarding the validation of the below accounts which you show as validated and belonging to me and further updating on my credit file. I also see that inaccurate personal information still remains reporting inaccurately.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with any parties. Please include all names and contact information of the person ( s ) that you spoke with as part of your investigation. 

I would like to request that you please do not send me a template letter in response to this request as I am in the process of planning a legal case, so I need specific answers to the questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention in this matter. I very much look forward to getting this resolved as soon as possible. 


Addresses reporting that are inaccurate are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers reporting inaccurate are : XXXXXXXX XXXX XXXX XXXX XXXX Accounts  reporting inaccurate are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All inquiries that are not associated with an account are inaccurate and were not authorized. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter twice before, and some accounts are still reporting. All I can do is tell the story of what I experienced and hope that I can get some help on the credit bureau 's end. I would really appreciate being able to put all this behind me and continue the recovery process. I can't do that if these accounts that I've reported to the police and to the FTC are still showing up on my credit report. Please don't make me pay and suffer for someone else 's evil wrongdoings. 

I tried resolving this with just Equifax, but unfortunately, after multiple failed attempts, there still seems to be some kind of disconnect with the current methods of communication ; a direct cause for me including the CFPB this time around. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts are the fraudulent/unauthorized accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize the accounts, collections, or hard inquiries listed on my credit report. These entries were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Equifax, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-15 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought a necklace valued at {$4000.00} from XXXX XXXX XXXX XXXX using my Robinhood card. Unfortunately, the package was lost by XXXX, and after an investigation, XXXX confirmed the loss. XXXX requires XXXX XXXX XXXX XXXX to file certain paperwork to proceed with the claim, but XXXX XXXX XXXX XXXX has refused to submit the necessary documentation. 

I disputed this charge with Robinhood and provided all supporting evidence, including : The XXXX claim confirming the package was lost. 
My communications with both XXXX and XXXX XXXX XXXX XXXX. 
Proof of my purchase and non-receipt of the product. 
Despite this, Robinhood denied my dispute without providing a clear justification. This decision has left me without the product and out {$4000.00}, with no further recourse. 

Communications with Robinhood : I initially filed the dispute on late XXXX, and after several back-and-forth communications, Robinhood closed the case XXXX favor of XXXX XXXXXXXX XXXX XXXXXXXX , despite the evidence showing that UPS confirmed the package was lost and the retailer has failed to take responsibility.

Impact of the Issue : As a result of Robinhoods handling of the dispute, I have suffered a financial loss of {$4000.00} for a product I never received. This has caused significant distress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  charged my card $ XXXX I called my bank to file an unauthorized charge dispute form in order to retain a refund.., they emailed me a form to fill out. The form was completed moments after, and emailed back. When I called to follow up the next week as to why I havent received my refund yet, customer service seems to have disregarded what transpired in this unauthorized transaction and this is Unacceptable!!!! Ive been banking with them for years and to get no proper response back on the matter is quite irritating. I am losing my business because I need my money back in order to move forward, so by Bank of America allowing this unauthorized charge and not looking any further is also insane.

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 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to repay my loans through the website using various bank accounts to see which one works but the site keeps prompting that there is an issue. I even called and waited in the call queue for a representative to no avail. Everyday accrues interest and I would like to pay this ASAP. How do I reclaim the time I was prevented from paying and thus forced to accrue more interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo denied my request to receive a full refund of private student loans obtained while attending XXXXXXXX XXXX XXXX XXXX XXXXXXXX on the basis of fraud and misrepresentation by this school, which is owned by XXXX XXXX XXXX. As a former XXXX  at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, I was subjected to several instances of misconduct that severely impacted my education and financial situation. The specific fraudulent and misleading actions by XXXX XXXX included : Misrepresentation of XXXX Step XXXX Pass Rates : The school provided inflated and inaccurate statistics regarding the XXXX Step XXXX Pass Rates of its XXXX, which significantly influenced my decision to enroll. Deceptive Marketing Practices : The school used aggressive and misleading marketing tactics to lure prospective students, including false claims about the quality of education and potential career outcomes. Inadequate Educational Support : Despite assurances of robust academic support and resources, the school failed to provide adequate faculty support, clinical rotations, and other essential components of medical education. These actions by XXXXXXXX XXXX XXXX XXXX XXXXXXXX constitute a clear case of misrepresentation and fraud as evidenced by the XXXXXXXX XXXX XXXXXXXX settlement relief.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've noticed that my credit report has been affected due to the mixing of my personal information with the details provided on this webpage. It's essential to keep these separate to ensure accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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 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 2024-10-15 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: 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 life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief