vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
My name is XXXX XXXX. As a Federally Protected Consumer, i am exercising my right to Remedy a situation with Navient. On XX/XX/2022, I sent Navient a XXXX and XXXX Notice letting them know that they have violated me.This notice was received by Navient on XX/XX/2022. Within the notice i informed them of how the situation could be remedied. I requested an audit trail of the alleged accounts and have not received it. They are still reporting negatively on my Consumer Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
my account is overdrawn because they paid a charge to XXXX when I did not have overdraft. Why did they do this? I called the customer service line was on hold for over 30 minutes when I spoke to someone who was of no help. I send email to PNC and received a call from someone who said they will keep an eye on the account and call me back - I never received a call back. The charged had dropped off my account and magically reappeared not sure why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a home equity line of credit with XXXX XXXX XXXX I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.

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 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from 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 2022-02-03 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: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from 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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
On XX/XX/XXXX, after I pulled my credit report I found out some unknown accounts on it that I did not know where they came from, by that time I did not know what to do, after doing my own research ( about a year later ), on XXXX, I started to dispute the accounts with the Credit Bureaus, a few months went by, some of the accounts were gone from my report, unfortunately, sometime on XX/XX/XXXX, I received some court notices from plaintiffs attorney SELIP STYLIANOU LLP, attorneys that are trying to collect on an alleged account with XXXX BANK. That account is also XXXX of the accounts that were not mine and found on my report. Due to this issue, on XX/XX/XXXX, I went to file an Identity Theft Police Report as XXXX of the attorneys rep told me to do when I spoke on the phone with them, so they can dismiss the case. I have no other reason but to believe that I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
We are unable to get any resolution from Chime Bank. We are concerned about identity theft and that we have been unable to get our stimulus checks issued in XXXX of last year. The IRS sent a letter in XXXX saying our checks were deposited in an account at Chime bank in our names. We have never had any relationship with Chime. The IRS will not send us our stimulus checks until they get the original checks back. Chime will not respond. 

Time line We received a notice from the IRS ( XX/XX/2021 ) saying our stimulus checks had been deposited in an account at XXXXChime Bank in Oklahoma. We are retired and living in Florida. We have never had any banking accounts in the state of Oklahoma. We contacted the IRS and they said the bank would probably return the checks if there was not an account and then they would send us our stimulus checks. 
My husband contacted XXXX bank who referred him to Chime Bank. Chime bank said the account number did not match theirs and checks were probably returned. 

The IRS will not send us our stimulus checks until the checks sent to Chime are returned. 

Continued efforts to communicate with Chime were fruitless and over several months I corresponded with more than XXXX individuals at the XXXX. Specific questions and information were requested. No actual contact was made available. Each individual that responded did not respond again when a reply was sent. Those contacted included Twice when requested I sent the ID information ( ID, Socials, picture, etc ). I got no response from first and later XXXX. 

Our complaint is with Chime and our inability to speak to whoever is responsible for identity theft and can determine whether checks in our name came to them and what is the information on the account number supplied by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-03 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: GA

Complaint narrative:
In XX/XX/XXXX I tried to file XXXX XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a US Bank credit card account, I moved my office in approx XX/XX/XXXX, I attempted to change my mailing address multiple times online at US Bank but was unable to. I do get mailed statements so I made calendar notes to remind me to pay my US Bank invoice monthly. I did that each and every month on time payments. So I communicated with US Bank each month online and paid my monthly invoice. 

I sign on at the end of XX/XX/XXXX and see I have {$0.00} credit line available where it should be approx XXXX XXXX. I call customer service and they advise me US Bank has had 2 pieces of mail get returned to them so they closed my credit card account. I was not understanding how a client that used the credit card and made on time payments get his account closed because of returned mail. He advises me to send a dispute letter to a certain department. I send the letter and they respond the account has been closed for more than XXXX  days so they can not reopen the account. 

I call customer service again and they state the same, and tell me to send a second dispute letter which I did I also advise US Bank at that time they issued me a new credit card in XX/XX/XXXX and I have it in my hand. Credit cards don't get forwarded so US Bank clearly knows my address because I have the new credit card and use it for new charges in XX/XX/XXXX and XX/XX/XXXX. So clearly I have my new card mailed from US Bank and I have used it. 

I was not getting my statements because they would not allow me to change my mailing address online, But US Bank did deliver my new credit card to the correct address. 

US Bank 's response to the second dispute letter is the same they state because they have returned mail on my statements they have closed my account. 

I was advised today that my account was closed sometime in XX/XX/XXXX it has been a very short time they know who I am they know where I am this makes no sense to close my account over returned mail. 

My request is that my account is reopened and my credit line is reinstated. I continued to be an active client with US Bank using my credit card and paying on time each and every month. 

I will attached the related documentation.

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 2022-02-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am trying to complete an identity verification through XXXX for a job position and they tell me that they ask me questions from credit report pulled from Experian. Most of the questions asked I don't recognize the information and if i answer that its not related to me I get the answer wrong. I've tried to get Experian to give me a more detailed credit report so that I can be able to answer my identity verification questions better or if there is something on there that shouldn't be on there I need to be able to know what's on there because the employers is asking me questions to do the identity verification based off a credit report obtained from Experian. I've contacted Experian customer service several times in regards to this matter and they wont give me a more detailed credit report so that I can answer my identity verification or be able to identify if soemthing is on my report that shouldnt be. I am not able to complete my verification without that 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 2022-02-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-02-03 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-03 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against Equifax for violating section 611 Of the FCRA. I filed a complaint with Equifax for reporting inaccurate information. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
XXXX ran a background check using Chekr background check service and an old driver license from a different state was shown as SURRENDERED and EXPIRED instead of my current license as submitted by XXXX. This is despite the fact they had the current information. This was reported to XXXX and they suspended my account. I called Checkr to investigate and correct the matter, but they then sent another report that listed both licenses, but the EXPIRED one as the current, so the report was still inaccurate and XXXX will not reinstate my account. 

This problem has occurred every year for seven years, each time XXXX ran the background check. Previous calls to correct the problem have not resolved the issue without significant time and effort. The last time, it wasn't corrected for four months.

Company response to consumer: Closed with explanation