vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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:
XX/XX/XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.

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 2024-02-04 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: GA

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 C 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting non mailable addresses and fraud inquiries on my report. I have asked for these things to be removed and uploaded the Identity theft report as well. I will be seeking damages for the violations of {$1000.00} a piece. I want these items 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UMB FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was a victim of bank hacking and fraud, that fraudsters stole all my money from my bank account occurring throughout XXXX and XXXX of XXXX, and an investigation followed until XX/XX/XXXX, during that time my hacked bank accounts were frozen, and I had to have a new bank accounts issued in XXXX and XXXX of which caused some issues with delayed payments. I submitted a letter to UMB corporate office explaining the situation as they marked me 30 days late in XXXX of XXXX, but to this date I never received a response to that letter. I filed a complaint with the credit reporting bureaus on XX/XX/XXXXXXXX  and attached all documentation of the fraud and issues that were beyond my control, if UMB could act fairly and consider the circumstances as I have never had a late payment until this bank fraud occurred. The Credit Bureaus conducted an investigation and the UMB credit card company refused to remove the 30-day late mark against my credit report, causing a XXXX score drop on my credit report. The UMB credit card company is acting unfairly by refusing to consider issues beyond my control and the very serious issue of bank fraud, stolen identity and stolen money. The UMB bank has a statement on every month statements advising that they will consider if you are having a hard time due to the current health pandemic, to contact them for arrangements, but they won't act fairly or consider when a customer tries to explain they are a victim of stolen identity, bank fraud and criminal actions, nor consider relief and remove the 30-day late mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I can not reach Bank of America. They will not respond to any messages, nor will answer their, Customer Service, telephone line. I message them constantly. My last message to them : 3 XX/XX/XXXX  Absolutely the worst back in the world. I paid through my checking account and sent two checks in the amount of {$180.00} to my account a month ago and it still hasnt posted to my account. What is going on with you? 

I have called your customer service, line, spent over an hour on hold each time, five times; wasting five hours of my time over the last month with no one ever answering me. Im praying Bank of America will go out of business immediately and every one of you lose your jobs. YOU are ridiculous and disgusting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Idaho XXXX Phone : XXXX XXXX XXXXstudio Why dont YOU call me? 
( I KNOW you wont ). 


You have a new online bill from Bank of America Credit Card Account Number : XXXX Due Date : XX/XX/XXXX  Total Minimum Payment Due : {$70.00} Statement Balance : {$210.00}

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 monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX  there was a fraudulent ach payment out of my business account to XXXX XXXX in the amount of Ach amount of {$21000.00}. 
While it was in pending status I called Chase Bank to report it XXXX. They paid it and I called 3 days later to get status of it and they said they denied my claim. They said take it up with XXXX XXXX. I called XXXX XXXX and they open a claim but said they probably wont be doing anything as it la on the bank. I filed a police report also after this happened. During same time frame someone wrote a fraudulent check also for {$40000.00} which they did reverse. But they are denying the {$21000.00} Police file number Reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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:
XX/XX/year>XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.

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 2024-02-04 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:
XX/XX/year> I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.

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 2024-02-04 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: EdFinancial Services
State: IL

Complaint narrative:
The loan servicer has been failing to set up repayment methods and purposely letting auto payment become delayed to charge additional interest. 

Even though I have documentation of auto-pay being set up it continually gets cancelled. 

My Timeline and documentation : XX/XX/XXXXXXXX  First request to set up auto pay. Received email confirming the request. 

XX/XX/XXXX Autopay not triggered, paid manually XX/XX/XXXXXXXX  - received communication to set up auto-pay XX/XX/XXXXXXXX  - auto pay set up again, received email confirming request XX/XX/XXXX Autopay not triggered, paid manually XX/XX/XXXX Autopay not triggered, paid manually

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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:
XX/XX/year>XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX, I was trying to get a mortgage on behalf of my son, and found out that my credit score was very low. I investigated, and discovered I had been a victim of identity theft. Three credit cards had been opened up in my name and without my consent and had accumulated over {$26000.00} in fraudulent charges. I immediatley called the three banks, and two of them, XXXX XXXX XXXX and XXXX XXXX  conducted a brief investigation with me on the phone and concluded the charges were in fact fraud, dropped the claim and removed the charges from my credit report. 

The third bank, XXXX XXXX, has refused to listed to my explanation that the charges were fraud and has assigned the claim to a collection agency. I have explained to them numerous times that the charges were fraudulent. I spent countless hours on the phone with them, sent them numerous letters and various pieces of evidence the charges weren't mine. I also filed an FTC report and filed a police report and sent them to XXXX. Additionally, I tried to explain that the credit card couldn't have been mine as it was linked to an address I vacated in XXXX and all the charges were linked to various stores in the XXXX XXXX area, where I haven't been since XXXX. XXXX XXXX  has consistenly refused to listen to my appeals and has been quite vicious and vindicative and refused to believe this was fraud. 

Enclosed are copies of a police report, an Identity Theft Report from the FTC, a copy of my ID, and our previous letters we sent to XXXX XXXX  outlining our position. 

We look forward to hearing from you shortly, and expect you to arrive at the same conclusion that these charges were fraudulent and this entire case be dropped. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I accepted my first 2 transactions through the Chase Banking App for businesses. One transaction was for {$800.00} and the other was for {$1200.00}. The next day I got an email stating that my payout failed. I went to the Chase Bank on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to see what was going on and the bank manager called to try and get a resolution and they thanked him for verifying me and told him that they were going to keep my business checking account open and not allow me to accept payments form customers. They told him they would send me an email about what would happen with the money. I got an email from Wepay, Chase 's merchant processing company stating that after careful review it was determined that they would no longer process payments for my account and have closed the account. I replied asking why and they sent me an email with instructions on how to appeal the decision. I sent the requested items ( 6 months bank statements of prior processing, my state business registration, the invoices to the customers ) The only thing I did not have is a website which I explained that I am currently working on that and all my business is by word of mouth. I got a return email that said after looking into the details of my account they will not process any payments for my business and my funds have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024. Since then I have called them several times and I was told that I could only email the appeals department so I have emailed several more times to release the funds so I can complete work for my customers and I get the same email response that they will not process payments and will keep my money in reserve for 120 days. The fact that I can not get a clear answer as to why this is happening is beyond me. This time of year is slow for my business so all funds coming in are needed and the loss of these funds have adversely impacted my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX, XXXX, TRANSUNION, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and XXXX XXXX XXXX XXXX  or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974

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 2024-02-04 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:
XXXXXXXX XXXX XXXX XXXX, EXPERIAN, XXXX, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and XXXX XXXX XXXX XXXX or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974

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 2024-02-04 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: KY

Complaint narrative:
The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

XXXX added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) Equifax added a inquiry from XXXX XXXX ( date XX/XX/23 ) Equifax added a inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/23 ) Equifax added a inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/23 ) Equifax added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX  ( date XX/XX/23 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: KY

Complaint narrative:
The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

XXXX added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/23 ) XXXX added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) Experian added a inquiry from XXXX XXXX XXXX XXXX XX/XX/23 XXXX Experian added a inquiry from XXXX XXXX  ( date XX/XX/23 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 non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MO

Complaint narrative:
Hello, I am requesting that the following student loan accounts be removed from my credit report or updated to XXXX balance because they are paid in full as on XX/XX/2024. 
1. Missouri Higher Education Loan 2. Dept of ED/Mohela

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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:
This is todays follow up to the following cases : 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  ; From your most recent messages ( attached ) it is clear the Experian lacks an understanding of the full scope of its legal obligations. It would also appear that Experian continues to initiate disputes on behalf of consumers not only without their knowledge or consent but even against the consumers demand Experian not do so. 

Experian 's obligations are not limited to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. In fact Section 611 ( 2 ) ( 3 ) ( A ) has no relevance to the matter of concern, as it pertains to " Frivolous Disputes '' and the present pertains to information that has been reported to be the result of identity theft. Section 605B is the appropriate portion of the FCRA which outlines Experian 's duties, which include " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days ... '' This matter was first brought to Experian 's attention on XX/XX/, thus it had until XX/XX/XXXX  at the very latest to block the information and it did not and still has not. This means that each and every day from XX/XX/XXXX  through today and continuing until Experian fulfills its legal obligation, it has and will continue to cause me to suffer irreparable harm, including but not limited to severe injuries to my mental and emotional health, extreme and undue hardship including causing me to become homeless since you have been informing prospective landlords and creditors that I am a substantial risk, when I am not, and obstruction of my businesses ability to gain the credit needed to sustain. 

Even if Experian clams to be ignorant of all its obligations outlined in the FCRA, including those which are detailed above, it still would not absolve you of liability for the destruction you have done. When I get behind the wheel of a vehicle, my ignorance of a traffic law doesn't make me not guilty when I get ticketed and found guilty of violating said law, because I have an obligation to understand all that is legally required of me before I can drive. The same goes for Experian. From the day Experian become a credit reporting agency, it became responsible for the legal obligations of such an entity, regardless of how aware or not it might have been of them.

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 2024-02-04 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer I requested to OPT OUT of any all authorizations I may have given to the company written, unwritten, verbal, non-verbal per 15 USC 6802. The company did not disclose to me that I had an option to OPT OUT. My request has been ignored. This is a violation of The Privacy Act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation