vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Years ago in both XXXX and from XXXX when I had my sons I reached out to then Sallie Mae and requested that my payments be lowered. I was on leave and my husband was not working. We had 1/3 of our salaries. I was informed that we didnt qualify and we could only file for a forbearance. We were given this same information every time we called. Additionally these loans are FFEL loans. They were originally backed by the government and then some were sold to private companies. This is fraudulent on behalf of the government to service some of the loans and allow forgiveness but not others, especially when we as borrowers had no idea that this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
By XX/XX/2019, we signed a contract for 3 month to rent an apartment in the apartment complex named as XXXX XXXX, located in XXXX XXXX, managed by XXXX XXXX XXXX, we was paying XXXX monthly for 2 month, we was working for XXXX, but we lost our jobs because with the covid 19 the company was really affected, we wasn't able to keep making payments and we left the apartment, we wasn't able to pay the last month that suppose to be XXXX. We received a debt collector notice for an amount of over XXXX, we make a payment plan that in the middle of the covid 19 crisis allow us to pay more than XXXX of that debt, but our economic was really affected and we wasn't able to keep making payments and basically that amount is over what we suppose to paid, that's why i considered this account was satisfied and the amount that was reported was wrong, if someone check my accounts this is the only debt collection account that i have, i don't have the best credit score but i am a responsible person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I currently bank with Chase JP Morgan in XXXX Idaho my branch is off of XXXX XXXX, I used to bank with XXXX  XXXX  and JP Morgan bought out XXXX  XXXX  I had a business account as well as savings account and a personal checking account with XXXX  XXXX. I can not receive any of the old information on the business account which I believe is still open under my own social security number at the calendar on the telephone JP Morgan and Chase are the rudest on telephone company I have ever had to deal with banking. When I asked for a deposit sweep or investment sweep to happen for me they had no one in the office that could do that I had to make an appointment with an officer who would come in to do that with me I brought my paperwork in the gentleman sitting in front of me quite literally never logged on to the computer to do this week and while asking advice on what to do with my investments now he assured me that CDs were not the proper place to put my money I'm not sure how they know what is going on with my name or social security number if they never even log on to the computer in front of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.

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 2022-10-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I wrote letters to Experian and XXXX requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.

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 2022-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
My Target card was included and discharged with the bankruptcy I filed. However, the account is inaccurately reporting as a charge off with an increasing balance every month! I have disputed with the credit bureaus, contacted the company to resolve it, uploaded proof of the bankruptcy payments to Target from the bankruptcy trustee, and also uploaded the paper I received from the bankruptcy court verifying the account has been discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a certified letter to TransUnion and XXXX XX/XX/XXXXXXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/202XXXX XXXX XXXX partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.

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 2022-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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. 

With that being said, why hasn't Transunion and XXXX XXXX XXXX XXXX removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on Transunion and XXXX XXXX XXXX agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.

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 2022-10-02 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: SC

Complaint narrative:
I wrote letters to XXXX and TransUnion requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.

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 2022-10-02 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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. 

With that being said, why hasn't XXXX and Experian Credit Reporting Agencies removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on XXXX and Experian Credit Reporting agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.

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 2022-10-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the XXXX XXXX XXXX such as Experian, XXXX and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked Experian, XXXX and XXXX to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.

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 2022-10-02 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: NY

Complaint narrative:
I have called they are not following consumer law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX my Remitly account did a transaction of {$710.00} using my XXXX account. They used my recipient name but changed the mode of payment/pick up to XXXX which is I never did used before. I only used XXXX pick up as I want my recipient to show there identification card when they do pick up money and the other one is a bank transfer. There is a lot of transaction made at the same time during that day that tried to withdraw money on my bank accounts and XXXX credit card which was saved on there application fortunately the other transactions was declined because of those XXXX accounts sent me notifications that the transaction was declined that's when I knew my account were compromised. I right away contacted Remitly and filed a dispute and was trying to cancel my account with them. I told them that it wasn't me who is doing the transactions and I am also currently at work at that time. I was talking to the fraud specialist during that time over the phone and he mentioned to me that the transaction was made in Texas and I told him that there is no way I did that transaction as I am currently living in California. He did insist that it was sent to my recipient that was on my file and i told him she did not received any money and I never sent money through XXXX. I told him I don't even know what Gcash means and how it works I have been here in the XXXX since XXXX. I was getting upset with the reasoning that he was telling me and the way he talked to me he seems to not believe my report. He said since the recipient was my cousin he assumed she has the money. During our conversation the line was cutoff and there is no resolution that was made. I also contacted my cousin and all the recipient on my account to ask them if they received money from me via Remitly and all of them said no. I also warned them about this case and what's going on. I contacted Remitly again today via chat and I have a screenshot of this conversation and all he ( XXXX ) have to say was this transaction was complete. I asked a lot of follow up question about that and he didn't reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: PNC Bank N.A.
State: TX

Complaint narrative:
I sent a certified letter to XXXX and XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/2022 XXXX  XXXX  partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NY

Complaint narrative:
I have called they are not following consumer law

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 2022-10-02 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: NY

Complaint narrative:
I have called they are not following consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: GA

Complaint narrative:
I have been unable to use my Cash App Debit Card to pay my website fees for the last 5 months or so. It suddenly completely stopped allowing me to pay for anything associated with my company web hosting, email and domain names all hosted on XXXX XXXX. 

I get an error message every time I try to add the card to my XXXX XXXX account. I have called XXXX XXXX, they say its the banks issue. They advised me to contact Cash App. 

I contacted Cash App, they keep implying I am doing something to cause this error like entering the card info wrong but, I'm sure I know how to pay for items online. 

They have not fixed the problem for XXXX  months now and my company funds are auto deposited into that account so my website keeps going down due to non payment because they wont fix the error. Its causing me loss of business due to my website suspension now more than once! I'd like this issue fixed. I have been able to use this card to pay XXXX XXXX since i got it up until XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX the XXXX I wake up find out I lost XXXX points on my credit report by the 3 bureaus, I was shocked and frustrated and embarrassed with td bank na bout a delinquent, I did not had any knowledge of it since i been making my payments on time for the past 3 years, when I tried to reach out to td bank they didnt help me at all whit this matter, they representative Hang up the phone on my several times and be rude and put on hold no body answer I was to apply for loan and credit card theyre denied me.. please I need help to resolve this issue.. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As of Today, XXXX supplied a false creditreport to XXXXXXXX XXXX and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to Equifax and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NY

Complaint narrative:
I am a victimof identity theft I have file an ftc showing proof that I am a victim this account keeps coming back on my report Transunion and XXXX have removed it for once and for all but XXXX has been the only bureau that the account keeps putting the account back on 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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active TransUnion XX/XX/XXXX, on XXXX it says XX/XX/XXXX and XXXX XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!

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