vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
Experian has been contacted on several occasions regarding issues and incorrect information within my credit report. Letters are sent to the credit bureaus and the creditor. The creditors are still fixing issues that they have been notified are incorrect and are violating the FCRA section 623 ( A ) ( 1 ) ( a ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 
Experian continues to not go through a full 30 day investigation. They update the information that I ( the consumer ) inform them of and reject my request to remove the information all together on my credit report. This has become unacceptable. Recently, they refused to delete a fraudulent account from my report to the point the creditor had to take extra measures to have the information deleted. They lied and stated the creditor kept the information as valid but the creditor continued to ask Experian to remove the fraudulent trade lines. Experian doesn't allow 30 days of investigation, less time, plus they just keep verifying info through a computer based system and not thoroughly investigating. The creditors are able to keep updating info they blatantly know is incorrect but CRAs don't enforce them on. This is out of order and violates several FCRA laws and code of ethics. Consumers have the option in written disputes to ask for them to be corrected or deleted. If the creditor was notified then they must be Deleted because they can not be corrected. This issue needs to be addressed 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 non-monetary relief
Consumer complaint received 2022-08-18 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: KY

Complaint narrative:
I have fraudulent items appearing on my credit file. I am a federally protected consumer and my rights are being violated. I have been attempting to have the credit bureau remove this false information but they have been persistent in violating my constitutional rights. Pursuant to The Fair Credit Reporting Act I should not have fraudulent items appearing on my credit file. I was also never given clear information on how to opt out of credit reporting from these companies. Pursuant to the Gramm- Leach- Bliley- Act I have to be given clear instruction on how to opt out of credit reporting. I do not give permissible purposes covered under the Fair Credit Reporting Act for XXXX XXXX XXXXXXXX XXXX and XXXX to appear on my credit file. I am demanding that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: WA

Complaint narrative:
0n XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

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 2022-08-18 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: TX

Complaint narrative:
Experian has my private information and are responsible to safeguard. If Experian properly investigated, they would realize XXXX XXXX XXXX XXXX ( XXXX ) did not have permission to access my report on XX/XX/2017. But instead they play the paper games with their clients. Both companies should fail because they are not professional, honest, nor doing their job. Experian is " taxing '' the US citizens by playing paper games and not safeguarding taxpayers private information.

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, this complaint is in reference to a Fraudulent check withdrawal from my CHASE account on XX/XX/22 in the amount of {$950.00}. The fraudulent check was addressed to XXXX XXXX XXXXXXXX XXXX  and was cashed by a person unknown to me who forged my signature on the aforementioned check. Upon making this discovery I contacted CHASE via XXXX and was advised to report to my branch which is located on XXXX XXXX and XXXX XXXX XXXX XXXX in Florida. Shortly thereafter, I arrived at the bank when I made contact with a bank employee whose name I can not recall assisted me in cancelling my old checking and savings accounts for new ones. Prior this incident a fraudulent check was deposited into my account on XX/XX/22 for the amount of {$930.00} with my forged signature. The check was from a company called XXXX XXXX of XXXX XXXX. Upon making that discovery I responded to my branch when I made contact with an employee name XXXX who assisted me with cancelling my accounts for new ones. I stated to XXXX that only two agencies deposit checks into my account and they are my employer XXXX XXXX XXXX XXXX and the Internal Revenue Service and no one is authorized to withdraw. In exercising due diligence a security pin was set up to deter future fraud attempts going forward. After the second incident I asked the bank employee how could {$950.00} be withdrawn from my account if a security pin was set up and I was advise that the security pin was removed but no one can give an answer as to why. It should be known that the security pin was removed without my knowledge or consent. 
I was told by the bank employee an investigation would be conducted and my {$950.00} will be credited after 90 days. On XX/XX/22 I made contact with CHASE Fraud Dept via the aforementioned number when I was told my funds shouldve been credited to my account a long time ago and if in 5 business days my funds were not credited to call back. On XX/XX/22 I made the call but on this occasion I was communicating with CHASE Fraud Dept Located overseas. The Overseas Fraud Dept Personnel stated that Based on their investigation my ID was used together with my signature and I did not report my ID was stolen and the case was closed. I told the investigator I never lossed my ID so there was no report to be made in addition which bank location the Fraudulent Check was cashed he refused to give me that information. In conclusion CHASE does not have any Clear and Convincing Evidence that Im responsible for this fraud but theyve made that decision anyway. Im hoping that your agency can look into this matter to hold CHASE responsible for their error in protecting my accounts. Thanking you for your attention in this matter. 
Yours Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT XXXXXXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : Equifax I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 

However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to Equifax, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TN

Complaint narrative:
I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.

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 2022-08-18 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: VA

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/XXXX, I learned of a fraud claim of XXXX. I admitted to allowing a friend of a friend to use my phone only to find that he filed this fraudulent claim and obtained the monies from it. {$2900.00} was transferred to another navy federal member who admitted that my friend 's friend was her boyfriend that committed this fraudulent act towards me and her account/funds were released. My mother and I spoke with navy federal reps in XX/XX/XXXX initial contact after nfcu letter received, XX/XX/XXXX when advised of the appeal process being an option, XX/XX/XXXX to be advised that the appeal letter was received and in process, and again today XX/XX/XXXX with a branch representative who advised there is no documentation/activity showing after the XXXX conversation and also that the member 's, XXXX XXXX XXXX her name is listed on the bank statement received ) account was released and no funds were recouped. I SWEAR TO YOU AS I DID TO NAVY FEDERAL IN MY APPEAL, that I have no knowledge of XXXX only communications with my friend 's friend. I believe that it is unfair that I have been penalized not being able to use my account and owing this entire balance when she received and used funds from a fraudulent claim. I spoke with XXXX and a male rep and advised them both of my fault and willingness to satisfy the debt if the case was truly reviewed and decided on in a fair manner. I have made the attempts to follow up but have not received any correspondence via email, mail, or phone. It has been 90 days or more since the appeal was received and is ample enough time to investigate. Please help as I want to rectify this situation. I have attached supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This company is reporting I have a car loan with them and it is charged off. I have wrote this company several times sent in documents supporting my claim and the issue is still not fixed they are not responding to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NC

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 explanation
Consumer complaint received 2022-08-18 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I have filed disputes with all three credit bureau 's and NCA regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from NCA stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TN

Complaint narrative:
I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.

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 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: VT

Complaint narrative:
Harassment including 4-5 calls per day, despite requests to speak at a later date. Harassment of family members and invasive unprofessional practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX on account deposited a mobile check Sunday XXXX. Understand we don't have that in our account but there is some cash. Entire account placed on hold, can't access any money. Had available balance of {$200.00} prior to check being placed on hold. Call center rep. private called XXXX an threatened our family. Someone has applied for a XXXX XXXX business account with my XXXX information. Why am I not able to access my money that was deposited before the check? No one can tell me why it's Thursday and still NO MONEY. I bank with Huntington bank.

Company response to consumer: Closed with explanation