vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Was advised by email on XX/XX/XXXX my borrower defense discharge was approved and I did not have to make any further payments. On XX/XX/XXXX only a vouple days past the due date and despite having no consent to use my cellphone number Navient started calling. They called using a robo dialer at least XXXX on the XXXX, XXXX on the XXXX, XXXX on the XXXX even after I answered and reiterated they do not have consent to call this number or robo dial as they were doing. They called back within XXXX hours of being reminded they did not have consent and they are not to call this number. Again they were told the number should not be called. They do not have consent to call the number or robo dial as they were doing. They proceeded to call back XXXX more times on the XXXX and once on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
I received a letter in the mail from JP Recovery Services , Inc, indicating I owe {$110.00} to XXXX XXXX XXXX for services that I did not incur.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXX bank that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE UNLESS YOU ARE XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Park Hill Holdings
State: GA

Complaint narrative:
SafeRent Solution XXXX has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. 

Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. 

This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent 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 2022-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/11, I was called by a scammer who acted as an immigration officer. He went through the law and said that I was gon na be detained If I don't send money for an immigration hold. I was afraid, and I sent the money through XXXX. I sent XXXX payments to XXXX ( XXXX ), {$1200.00} and {$790.00}. I was also asked to send {$2000.00} to XXXX ( XXXX ), although it was declined. The bank has told me to contact XXXX, and I have talked to XXXX, who've opened up an investigation which will take 45 days.

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 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: GA

Complaint narrative:
On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation.

Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2

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 2022-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from discover... i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 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: FL

Complaint narrative:
I files this complaint earlier : In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions. 

Equifax ' response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : XXXX XXXX XXXX ( SUPPORT XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 
This investigation failed to provide me with the initial proof of debt collection i earlier requested which is : 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
XXXX  Account XXXX account Bank XXXX XXXX account XXXX account XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating XXXX XXXX XXXX pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by XXXX XXXX ( on XX/XX/2022 ) is attached for your reference.

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 2022-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was issued a XX/XX/XXXXpayment from XXXX XXXX XXXX on XXXX in the amount of {$400.00}. Navy Federal rejected the payment because the accounts I held at the bank were inactive so they returned the money to the sender. On XX/XX/2022 XXXX XXXX XXXX sent XXXX via XXXX ( confirmation number XXXX ) this time Navy Federal Credit Union took the payment and it has since disappeared. I have not received a statement or anything telling me where this money went too and how it was allowed to go thru without being returned to the sender as it was previously done the month earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from XXXX i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from XXXX  i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 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: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed... attached is a copy of my credit report from XXXXXXXX XXXX XXXX that clearly shows misleading, incorrect, inaccurate information that needs to be deleted immediately... EVIDENCE IS IN XXXX AND WHITE, STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates claims they have ownership in a debt originally from XXXX XXXX. Portfolio Recovery Associates are also not licensed in the state of Michigan and had not produced the bill of sale from the original creditor to confirm they own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed... attached is a copy of my credit report from XXXX XXXX bank that clearly shows misleading, incorrect, inaccurate information that needs to be deleted immediately... EVIDENCE IS IN BLACK AND WHITE, STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX  credit report.. attached is the evidence clearly supporting that!! Only a XXXX person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!

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 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My wife and I needed new checking accounts. I was sent a promotion incentive email for Citi Bank to open new checking accounts, maintain a {$300000.00} bonus for 60 days and they give you {$2000.00} incentive for doing so. I opened my account on XX/XX/XXXX and funded it with my savings money from XXXX XXXX XXXX in the amount of {$260000.00}. On XX/XX/XXXX my wife opened her checking account from Citi and I funded it with my savings from XXXX XXXX XXXX with {$59000.00}. I then transferred {$150000.00} from my Citi account over to her Citi account to maintain a higher balance and receive a higher incentive from the Citi checking account promotion and Citi Bank has blocked my account. Since, they have not provided me the reason for blocking nor have refunded my money. They blocked the transaction from completing so, Citi currently has {$340000.00} of my life savings currently blocked. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This savings money is everything we have as a family. XXXX college tuition, down-payment for our next home ( in which we XXXX  soon and need access to our funds to find our next home ). I called and made a complaint to Citi XXXX XXXX XXXX, they provided me with a reference number XXXX. They claimed I would get a letter within XXXX business days but those days have passed and I still have no letter or no confirmation as to when my account is going to be unlocked or more importantly my money refunded back to me. I called the XXXX XXXX back, since it has been about 19 days and since they have closed my case again with no information as to when and where my money is. Also no indication as to why my account was blocked or if its going to be un-blocked?

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