vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/2021

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX  days and still no response these issues are causing me pain and suffering and humiliation

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX reported a bankruptcy to my credit report 4 years ago in error. I have since called XXXX and they have removed the XXXX from my record and they sent me a letter to confirm deletion. I have disputed the XXXX  report with Experian and send them the letter XXXX sent me and Experian is refusing to remove the XXXX from my credit report. The XXXX  needs to be removed from my credit report because it is invalid and 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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Received hundreds of emails from First Source Advantage and unlimited spam calls ; i have tried to block them but still getting harassing calls and emails on top of pandemic XXXX and XXXX XXXX issues.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these creditors. I have no loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I opened additional checking account with Chase Bank. Banker told me due to my relationship and balances it was free checking account no monthly fees. Everything was fine then in XX/XX/XXXX I move money out of account. I never got any email or text even though I'm set up for alerts that Chase Bank begin charging my checking account $ XXXX  monthly fee. I called XX/XX/XXXX th when I noticed charge and they would only reverse XXXX fee. I tried going to different branches at different times but there was always long wait for banker and usually only XXXX banker working. I finally went to branch today and banker said they don't have authority to reverse no more than XXXX charge. I think it's very shady of original banker who set up account to tell me it's free and now Chase Bank does not want to waive these fees even though I'm long time customer. I wonder how many other people this questionable business practice this is happening to??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BCION, A DIVISION OF ION BANK
State: CT

Complaint narrative:
XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for a checking account with Key Bank that required an on-line application. I was unable to complete the application on-line. I called their tech support XXXX. They could not provide a solution that would work but said I could NOT get the {$200.00} sign up bonus if I went into their branch office which was a XXXX drive away. 
I waited XXXX days and tried with XXXX different browsers just in case they had fixed their problem to no avail. I do qualify for the {$200.00} sign-up bonus based on their written offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHT AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization of a public extension of a credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a " credit card '' under 15 USC 1602 ( l ) which states ; the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Notice, Congress said " ANY '' card ; which is MY SOCIAL SECURITY CARD. This is the credit card used to originate every consumer credit transaction listed above. Remove them from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) immediately as you are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax about the following accounts ; XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ). Its been over 45 days since I sent this dispute and they have not answer as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Continue to experience incorrect information that is being reported on my credit report by XXXX. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows XXXX XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. XXXX has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from XXXX. I would like XXXX to update the status to a Positive Account Activity. # XXXX XXXX also has on my Credit Report five ( 5 ) Student Loans from ( NAVIENT ) there is only one main account # XXXX ; although, they show all five on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( NAVIENT ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( NAVIENT ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have XXXX remove ( NAVIENT ) as negative and from the report. email : Navient.com XXXX reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a Consumer Complaint Against XXXX XXXX XXXX with the Attorney General Office Department of Justice to investigate XXXX and XXXX as they have the ( XXXX ) XXXX XXXX XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment XXXX Credit Report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX Date Updated :XX/XX/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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Date of Birth : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. NELNET LNS is reporting late, yet it is closed and the balance is zero as reported in XXXX  and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( NELNET LNS XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letter to DEPT OF ED/NAVIENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
At the end of XXXX we received our paycheck, we tried to use our debit cards but the charges were being declined. We looked at our bank account and noticed that our direct deposit check was removed from the account. We called the bank the following day, and they told us they were closing their account. We asked them why they were closing our account, and they said that it was in their right to close our account. They never gave us a reason. We told them fine, and said we would like to withdraw our money. They then told us that we would be unable to withdraw our money due to an investigation needing to happen. We then went into a chase location, and was told that we would not be able to withdraw money. We've been called Chase again, and was told that we can go into a bank and withdraw the money. Chase told us several times that we could go into a bank and withdraw our money, every time we go into an actual physical location, we were denied our funds. Chase said that within XXXX to XXXX business days after closing the account they would mail us a check. For the remaining funds of our account. They have yet to mail us a check for our checking account. In the amount of {$840.00}. In the past XXXX weeks we have called several times to inquire about our money, we were then rerouted to several phone lines, at one point we were on hold for XXXX hours and then hung up on. We received a notice in the mail on XX/XX/XXXX that our account was closed on XX/XX/XXXX. OnXX/XX/XXXX there was a direct XXXX charge for the amount of {$840.00}. We have yet to get a hold of anyone or received the remainder of our checking account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation