vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a matter of unresolved dispute with Equifax concerning inaccuracies in my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address the presence of incorrect information on my credit report. Regrettably, to date, I have not received any response from Equifax. 

The following are the details of the disputed accounts and the necessary corrections : Account : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Issue : This account is not mine. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There was a personal information breach and my credit report is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention an unresolved issue concerning inaccuracies on my credit report, specifically with Experian. On XX/XX/XXXX, I initiated contact with Experian to address the following discrepancies, but as of this date, I have not received a response. The details of the inaccurate information and the necessary corrections are outlined below : The account listed as XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) is not mine. Please remove it 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report the XXXX XXXX XXXX XXXX XXXX '' card account ending in XXXX on my Equifax Profile even though the account was reported as a Fraudulent account and deleted by the credit grantor, XXXX XXXX XXXXXXXX XXXX I have provided a letter from XXXX XXXX XXXX which indicates they have found the account to be fraudulent, have closed the account, and have removed the account from my Credit File . I have also submitted an FTC Identity Theft Affidavit that was received by Equifax on XX/XX/2023 indicating that the XXXX XXXX XXXX account IS in fact a Fraudulent account. Additionally, there is a Fraudulent Inquiry by XXXX made on XX/XX/2023 that is also on the FTC ID THEFT AFFIDAVIT that has been disputed several times over this year as fraudulent and has also not been removed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: DC

Complaint narrative:
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/2023, Transworld System Inc. popped up on credit report as a collection account with a late payment. I do not and have never had an account with them. Also, I do not have any scheduled payments with them so how could they report a late payment. This fraudulent account and unfair practice is in direct violation of fcra. Please assist me with removing this fraudulent account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I logged onto TransUnion and saw my credit report with their agency but did not see the credit score. This was withheld demanding payment. I do not think it is ethical, moral or legal for TransUnion to withhold a credit score when they use it to report to any potential lender, landlord, or any other concern that would request it. The annual right to a credit report should include the credit score. If there isn't a lawsuit over this there should be one. These people are greedy ridiculous thieves.

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 2023-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
On XXXX I applied for a loan through Avant to consolidate some debt. During the application process I was required to provide my bank account information, presumably to pay the installments of the loan. I was denied the loan and, on the same day, I submitted a request to XXXX to delete my account. 

On XXXX I was responded to saying that Avant could not delete my personal information because the information is subject to the XXXX XXXX XXXX. I responded the same day asking if my bank account information is included in that, as it is the information I would actually like deleted from the platform. 

On XXXX I received a generic response to my previous question that they are sorry for my negative experience and that any additional questions should be directed to XXXX for more help. 

On XXXX I contacted XXXX and stated that, while I understand some of my information must be retained for compliance reasons, why could my bank account not be deleted? 

On XXXX the resolutions department responded to me stating that " all information we gather is used only in accordance with our privacy policy '' and linked me to the policy and told me to read it carefully to understand what they do and what information is shared. 

On XXXX I responded, after reading through the policy, stating that I don't see anything about collecting and using my bank account information. I also asked, since I do not have a credit product from Avant, what is the basis for refusing to delete my bank account from their system? I linked a quote from their privacy policy asking for them to elaborate on it, if it potentially includes the bank account information. 

I have not received a response since. I have asked for follow-up on XXXX and again on XXXX. I contacted XXXX on XXXX specifically asking them to delete my bank account information, figuring perhaps asking them to delete my account was too much. I received the EXACT same response I received on XXXX. I replied that I have reviewed the legislation ( to the best of my ability ) and the linked Avant policy but could not find why they would keep my bank account information. 

I have not received a response. At this moment I do not have much hope this company will respond to me and answer my questions. The question of why and where is the bank account included in the information they must retain for their legal and compliance purposes has gone unanswered. If they can not delete it, fine, but no one will give me a sufficient answer, just generic copy-paste responses or links to policies that do not answer my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I filed the same XXXX paperwork as I do every year. My other provider XXXX processed the XXXX payments. Navient completely ignored it and told me I had to pay a minimum of an interest payment every month of {$350.00}. The actual XXXX repayment is {$100.00} per month. Every other year this has not been an issue and I have always made the payments presented to me. I called Navient several times, and they offered to give me forebearance if I paid them {$50.00} for each month. But this does not help pay anything off. For 3 months in a row everyday I received phone calls twice a day. I felt harassed and trapped. I had no recourse with them. I would receive text messages asking if I was having trouble to file for an XXXX. Which as I mentioned was ignored, not rejected. 
It has been cruel and unjustified. I have been receiving treatments for XXXX XXXX for this amount of time and was forced to block them to stop the harassment just to escape the constant bombardment of calls, texts and emails all asking if I need help. Knowing no help was forthcoming. 
Why are they permitted not to process an XXXX request for the first time ever in the history of my loans! My other provider provides me a fair resolution all the time, but Navient has pushed me beyond frustrated. PLEASE HELP ME! PLEASE GET ME AWAY FROM THIS BARBARIC TREATMENT!!! I AM REQUESTING TO BE REMOVED FROM NAVIENT AS MY LOAN SERVICER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
I applied for the new XXXX plan in XXXX of XXXX. My new payment did not show up on my account for well past my first due date of XXXXXXXX. When I got the updated bill it was not sent to me with XXXX weeks notice although it was back dated to make it look like I had received it earlier. I then received correspondence saying my XXXX plan was approved and my new payment was {$290.00} due XX/XX/2023. However my account still showed my old payment of {$360.00}. 

I sent several secure messages during the time that went unanswered for weeks. I finally called XX/XX/2023 and waited on hold for over an hour before I spoke with a rep, XXXX. She initially said my XXXX plan payment was due on XXXX. But my old payment was still due in XXXX. I asked her to investigate this because thay made no sense when I had applied for the new payment plan in XXXX. 

After a few minutes she came back on the line to let me know that they will put my account in a admin forbearance at this time and my first payment will not be until XX/XX/2023. However my account now shows my new payment due but my account is overdue for my original amount. I have once again sent several secure messages without response. 

My account is accruing interest even though this should not happen while on the XXXX plan. I do not want my credit report effected due to the error in processing my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yesterday, XX/XX/23 I decided to take advantage of Chase 's " Enjoy up to {$600.00} for new Checking and Savings customers promotion. It provided XXXX options get a code email to open an account at the branch OR open the account online and the promo would be applied. Since I don't normally do branch banking, I elected to open the account online. During the account online process, there were no fields to add a promo code since the ad stated the promo code would be applied when choosing the button provided to " Open Both Accounts '', which is the action I selected. That process failed. 

Only after the accounts were opened, I saw a brief message flash that the promo could not be applied. I called Customer Service at XXXX and first spoke to XXXX who said she could not see that the promo was applied and could not do anything about it. Perhaps I should go to the branch to get this resolved. I requested the call be escalated to a supervisor. I was placed on hold and eventually transferred to XXXX, a supervisor. XXXX instructed me to wait until Saturday to call and confirm the status. I advised XXXX that this was deceptive advertising and that I would file a complaint against Chase under XXXX if this was not resolved. She opened an internal complaint, but I have no assurances the issue with the promo code will be resolved. That complaint number is : XXXX. The process I followed and qualified for, is being reneged only after I opened the accounts. She had to be asked to open a complaint. She advised me that there is a XXXX grace period to get this resolved. Chase is engaging in deceptive advertising practices and bait and switch. I chose the " Open Both Accounts '' and the promo was not applied. Furthermore, Chase 's staff is unfamiliar with how the promo works and is placing the onus on me as a consumer to keep following up in hopes of getting this resolved. I had to make XXXX calls in 2 days to re-explain the issue to no avail. 

Fully knowing that many people will not follow through. Both my checking account and savings account were opened using " Open Both Accounts '' button and Chase is refusing to honor the promotion - according to XXXX, they don't have a way to add the Promo Code. 
Attached are screen capture images of the promo. I am asking Chase to honor the promotion they advertise by XXXX. Sending me written confirmation that the promo code has been added along with a root cause explanation of why this occurred XXXX ) ensuring that I receive the {$600.00} credit and I want them to train and empower their staff to assist consumers with such issues in the future. The onus should not be shifted on the consumer to make multiple calls and be bounced around with no resolution in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, transunion and XXXX are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with. 
According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I have a collection company that placed XXXX items on my credit report for collections. I made a request on XX/XX/23 through XXXX XXXX with XXXX for verification as the debts are unknown. I do not see how it's possible for a legitimate verification of debt within XXXX hours.

Company response to consumer: Closed with explanation