vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
15 U.S. Code 1681c2 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 XXXX business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

I have disputed these fraudelent credit inquiries multiple times Equifax blatantly ignored my multiple dispute letters asking them to investigate and remove these inquiries. This is a violation og my rights under the Fair Credit Reporting Act, 15 U.S. Code 1679c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by JEFFERSON CAPITAL SYSTEMS subsidiary to XXXX XXXX, XXXX, XXXX, and XXXX. ( 18 USC 241 ) XXXX, XXXX, and XXXX are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. JEFFERSON CAPITAL SYSTEMS has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. JEFFERSON CAPITAL SYSTEMS has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion, XXXX and XXXX after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, XXXX and Experian after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern : I contacted Chase Bank by phone twice and requested help from Chase Bank through CFPB XXXX times and the results were the customer needed to log on to the bank website and download a copy of the payment. This is a very sad feeling for Chase Bank.

Today, I am filing a complaint due to Chase Bank 's negligence regarding my online payment of {$800.00} on XX/XX/2023. I am demanding Chase Bank provide me a copy of the information of a confirmation of the payment received by XXXX XXXX, and Chase Bank can mail the copy to the address on my account. 

IF NOT ABLE TO PROVIDE A COPY THEN REFUND MY {$800.00} TO MY ACCOUNT. 

I have attached a copy of the payment received from Chase Bank, which indicated on XX/XX/2023, the Chase Bank online payment was sent to XXXX XXXX. The copy of the payment has information on the billers name, payee name, payee account number, File transmission date, payment effective date, trace number, and transaction ID. 

I also attached a letter from XXXX XXXX. In this letter, XXXX XXXX XXXX, a customer advocate service team from XXXX XXXX, requested a confirmation of the payment received by XXXX XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
I have a commercial line of credit with KeyBank for my law firm. 

I have been unable to process payments online for that account for months. 

They have not indicated when it might be fixed, but did state that it had to do with " migrating '' accounts that ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
Dear Experian : I hope this message finds you well. I am writing to bring several incidents of identity theft to your attention, which have significantly impacted my credit report. The incidents are documented as follows : XXXX. On XX/XX/XXXX, I filed a police report ( Complaint Number : XXXX ) regarding the unauthorized opening of accounts. Despite my efforts, these accounts were not opened or authorized by me. 

XXXX. On XX/XX/XXXX, I filed another police report ( Complaint Number : XXXX ) concerning identity theft issues related to my personal information. 
Accounts listed on credit report : DEPTEDXXXX XXXX US DEPT ED XXXX I kindly request that you conduct a thorough investigation into these matters and take the necessary steps to rectify the inaccuracies in my credit file resulting from these fraudulent activities. The false information has significantly affected my personal life, causing stress, XXXX, frustration, and loss of sleep. 
I was planning to buy a house and was never able to do that because of this wrong reporting .Additionally, I afraid that Department of education will start garnishing my salary .I was contacting them on a numerous of occasions but without any success .I truly believe that you are the only XXXX who can help Once your investigation is complete, I would appreciate receiving a copy of my credit report reflecting the accurate and updated information. Additionally, I request that you share this letter with your customers when conveying my disputes, or provide me with the contact details of the relevant individuals at the implicated companies. 

Should you require any further information to support these disputes, please do not hesitate to contact me at my daytime phone number : ( XXXX ) XXXX, you can also communicate with me through my email address at XXXX. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 
I attach my Driver License with my current address, 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 2024-03-07 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: NC

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, and Proof of Address with my most recent bill. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Don't close this complaint with a reason that I need to prove my identity. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
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 explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email letting me know there was a document named " Notification of Overdrawn Account '' available to view on my account. This was for an account that was supposed to be closed in XXXX of XXXX. I logged into the account and noticed a direct deposit was made to the account on XX/XX/XXXX in the amount of {$61.00}. This deposit reopened the account, and I was being charged a {$9.00} per month service charge without my knowledge. I believe I should have been notified in some way about a deposit being made to an account that was supposed to be closed, instead of 7 months later after wiping out an account balance I wasn't aware of with service fees. I called customer service, and was told the account could only be zeroed out and closed again. I filed a Better Business Bureau complaint on XX/XX/XXXX about this. On XX/XX/XXXX I spoke on the phone to a representative named XXXX with the Office of the Chairman. He told me there was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: PA

Complaint narrative:
Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had XXXX days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an XXXX report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.

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 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
Subject : Urgent Request for Loan Forgiveness Due to Severe Financial and Health Hardships Dear XXXX XXXX  XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to express my profound disappointment and distress regarding my recent experience with Mohela, particularly concerning the update ( or lack thereof ) on the status of my application for student loan forgiveness.

Over the past few months, I have encountered significant challenges that have not only impacted my financial stability but have also taken a toll on my health. As a person living with a XXXX, these challenges have exacerbated my situation to the extent that affording essential medications has become a struggle, further endangering my health and well-being.

I had placed my trust in the student loan forgiveness program as a beacon of hope that could alleviate some of the financial burdens and allow me to concentrate on improving my health. Unfortunately, the lack of updates and communication from Mohela regarding the progress or adjustments to my loan forgiveness application has left me in a state of uncertainty and despair.

Given the severity of my current life circumstances, including my XXXX and the direct impact on my ability to manage my health effectively, I am reaching out to request an immediate review and processing of my application for loan and interest discharge. This relief is not just a financial necessity but a critical lifeline that will enable me to focus on my health without the looming stress of insurmountable debt.

I understand that there are protocols and procedures in place for handling such requests, but I kindly urge you to consider the gravity of my situation. Discharging my loans and interest would not only rectify the distress caused by the lack of action on Mohela 's part but would also provide me with the means to move forward, prioritizing my health and recovery.

I am more than willing to provide any additional information or documentation required to facilitate this process. Please guide me through the next steps and any specific actions I need to undertake to expedite my request.

Thank you for your understanding and prompt attention to this matter. I look forward to your compassionate consideration and a resolution that will help lighten the burdens I currently face. 

Warm regards, 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-07 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: PA

Complaint narrative:
Improper use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I asked the representative of XXXX XXXX XXXX who gave them authorization to have my personal information in their reports? He said that J.P. Morgan Chase gave that authorization for them to have my information.

So, those weekly deposits is the claim that they have my private information without my permission. This is a violation of my privacy, as shown in The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes ; unfair credit reporting, shown in 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805 ; Obligations and Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I took a look at my credit report and noticed some accounts on there that were not mine. I believe someone has access to my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief