vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate and incomplete information on my consumer reports. I demand that XXXX XXXX XXXX update my account as never late always on time 100 % payment history. XXXX XXXX  is stating I didn't make a payment but on transunion and experian it shows im always on time never late account in positive standing. this is damaging my XXXXredit score and my ability to get credit. this is also defamation of character please fix these issues asap. 15 USC 1666b Timing of payments states no late payments exist in a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
Mohela has informed me that I have met the requirements for the XXXX program and should be forgiven for my school loans. I met this requirement in XXXXXXXX XXXX XXXX and have submitted the necessary paperwork. I have waited beyond the 90 day business day period. Many borrowers that have applied well after me have received forgiveness. Mohela has explained that I did meet the requirements and they are waiting on the Department of Education, however nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-26 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: NC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
A few years ago, I noticed a collection account on my credit report from National Credit Systems representing a lease from an apartment complex that was not paid. I recently addressed this with the collection agency and they requested proof that this account was not mine. I supplied them with a police report, a identity theft report, a notorized affidavit, as well as a lease agreement of the place I was actually staying at the time of the alleged lease which they requested. I supplied them with all the information they requested from me and still they come back saying that this account was mine. 

At this point they are violating my rights and hurting my ability to obtain credit which is illegal because this lease was a result of identity theft which they are reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: VA

Complaint narrative:
As I was auditing my credit report on XXXX  XX/XX/2023. I found an error on my report, there's an account reporting as a collection and is still showing a balance. How is that accurate? The credit bureaus is supposed to be accurate. Accuracy is a critical aspect of the credit reporting system because the data collected and shared by credit bureaus directly affects individuals ' financial opportunities, such as obtaining loans, credit cards, and favorable interest rates. Inaccurate information can lead to unfair denial of credit, higher interest rates, or even missed job opportunities, as some employers check credit reports as part of their hiring process - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Child Support I also found unauthorized inquiries on my credit report 3 of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: GA

Complaint narrative:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2023-08-26 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: TX

Complaint narrative:
I have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin on.

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 2023-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had issues with my banking accounts being compromised. I have addressed this and reported it to the credit reporting agencies. On XX/XX/2023, I received a letter from US Bank about an overdrawn account. I have no account with them, so I called to explain that this account is fraudulent and needs to be closed. " XXXX '' working out of XXXX  refused to close the account because I do not have the account number ( the notice I received only says " Account Number ending in XXXX '' ) and I would not give my social security number -- which I think they have no right to request since this is a fraudulent account. He claimed he could not access the account with my name and the address associated with it. Despite knowing that the account is fraudulent, he refused to close it. 

Please feel free to publish this account and let other people know that US Bank knowingly facilitates fraudulent activity.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Hello I have an aviator master card financed through Barclays Bank. Through the app and website they included a feature call XXXX XXXX where it allows you to make payments over time for a low interest rate. The qualifications include any purchase over {$100.00} and to be in good standing with my card. Ive had this card since XXXX of 2017. I have always paid my bill on time or paid off the balance entirely. Ive never been late or missed a payment and they still have not given me the chance to enroll transactions into a payment plan. Every other credit card with different banks has provided me with this option but Barclays has not. Ive called several times and Im given the same generic answer. And I rebut with terms and conditions listed on their website. I want someone at Barclays to look into why the I have not been afforded the opportunity to enroll my eligible transactions into XXXX XXXX. Because why am I even a patron when my other cards offers me the option to set up payment plans to aid and assist me with paying my balance.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card statements mislead consumers into believing amounts labeled under " Interest Savings Balance '' will not incur interest since they represent ongoing balances from interest free promotions. However, when the interest free periods expire the expired amount is not removed from Interest Savings Balances on statements thereby luring consumers into not paying those amounts before Chase charges >29 % interest. Though the interest charge I disputed was {$100.00}, I believe Chase knowingly misled me and many others into paying interest I would not have paid had I not been mislead. 

I phoned Chase customer service on XX/XX/2023 at approximately 3pm and spoke with a supervisor who acknowledged it would be reasonable for customers to assume amounts noted on statement headings under " XXXXnterest Savings Balance '' would not incur interest. However she told me that if I read to the end of the statement there was a section that notified me of amounts I would be charged interest on. Since I relied upon the amounts shown under the interest Savings Balance at the top of the statement I saw no need to read through the entire 4-page statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 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: MO

Complaint narrative:
I reviewed my consumer report and noticed that I had one ( 1 ) late payment on a closed account that I was never late for. Consumer agencies have assumed a vital role and have a respinsibility to reoport consumer information to the best of thier ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX XXXX  # XXXX. Please invesigate as I have proof from a letter from the creditor that this account was never late. I am requesting proof of statements showing a payment was late. If can not be provided I denand that the late payment be updated to on-time as it should be correctly as I was never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-08-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: DE

Complaint narrative:
I was sent a credit card by XXXXXXXX XXXX XXXX on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

XXXX was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.

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 2023-08-26 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bareau, In our FACES Experian is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX  XXXX XXXX, AND I BEEN WITH THEM OVER 5 YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why Experian is not.! It's that I'm the only XXXX  person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR XXXX XXXX XXXX ACCOUNT, SERIOUSLY. I WANT EXPERIAN TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO STUPID THAT I want back and got their membership back again because I thought they done a good job.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I did a dentist appointment from having a toothache and from there the dentist had a whole bunch of ideas and how they can fix my teeth and make them better. They convinced me that Care credit card was good and could pay for these procedures. No interest for a year or so. The price was doable. Now fast forward to me having the card. I was late one payment and they close my account. Even before closing my account it's been very hard to sign on to actually pay. The payment account portal works when it wants to work and basically now it won't let me on. I have to sign in as a guest. As a guest you need to have your card with you, which if if your account is closed, there's no reason to carry your card. No matter how much you pay this card, the balance goes up. So let 's say I started at {$700.00} 10 months ago and paid {$50.00} something dollars a month now. 10 months later I still owe {$600.00} and something. It's like no matter what you do, you're just throwing your money in the hole. It's like you can never finish paying these people off.

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 2023-08-26 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: TX

Complaint narrative:
I have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin on.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called to upgrade my card from Chase Freedom to Chase Sapphire on XX/XX/2021 and the representative did not transfer my points over from Freedom to Sapphire. I was under the impression that the points will automatically transfer since that is what happened the first time when I called to change from Chase Sapphire to Freedom. The representative on the phone never offered to transfer the points to my new account and as a result I lost a total of XXXX. I have not checked on the points balance since we have no need for it during covid. When I checked last week I realized that my points were never transferred over. I reached out to customer service but they did not do anything. We have all our retirement accounts with Chase and in the process of moving another $ XXXX over to Chase. We have been happy with Chase until this incident and losing XXXX is not a small amount. We would like to get our points back and would really appreciate your help on escalating this issue.

Company response to consumer: Closed with explanation