vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
Previous complaint filed XXXX and XXXX XXXX XXXX XXXX account XXXX {$38000.00} This is complaint # XXXX. I am a victim of identity theft and as a result this account is appearing on my credit report still identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC XXXX Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. I have been sending several police reports and Ftc reports for 4 years were not removed! This is a violation! I have sent police reports from two different jurisdictions XXXXXXXX XXXX XXXXXXXX and XXXX XXXX as well as several more from XXXX XXXX. I have sent several FTC reports and affidavits for the following that you refuse to block and remove : XXXX XXXX XXXX account XXXX {$38000.00} I have also sent letter of intent to sue and also letter from XXXX stating that they have verified that IT IS ID theft and you ignored it I will proceed with legal action for this violation and also seek emotional damages since you have ignored all my cries for help to resolve this matter. I XXXX XXXX give Experian authorization to proceed with this complaint. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft account ; XXXX XXXX XXXX This account caused me to have XXXX  become homeless, XXXX XXXX  and denied credit I am ready to move forward with litigation if accounts are not removed. I am involved in several breaches and receiving blackmail emails demanding money listing my personal identifying information stating XXXX XXXX  watching me. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it! All Experian say is several years ago status was disputed and not ownership. FCRA 15 U.S.Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion this account was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civil in the court system, which will result in my seeking the maximum allowable penalty for each item

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 2024-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I received a message that I was part of the automatic full relief group in the XXXXXXXX XXXX XXXXXXXX case, and that I would be reimbursed by XX/XX/XXXX, along with these loans removed from my credit report. 

I had the loans originally with Salle Mae, which then went to Navient as part of their restructuring ; and ultimately a couple of years ago I refinanced them with XXXX due to the interest rate accrual with Navient seeming wrong. As far as Navient or Student Aid looked at it, these were paid off, as they were now sitting with XXXX via a loan. As such, I have been expecting a refund from the portion paid to Sallie Mae / Navient which was mentioned would be reimbursed under the conditions of the case. I also expected these to have been removed from my credit report. 

To date, these have not been removed, and I have yet to receive any refund, or an update to my case. I sent a few messages to StudentAid.gov, who mentioned that the situation sat with Navient and to follow up with them. I reached out to them, who originally told me I needed to go back to StudentAid.gov to handle my case. So, it just went around in circles. I then received an update from Navient, indicating that my loans did not qualify for reimbursement. I inquired a few times why this was the case. The loans were Federally backed loans originally with Salle Mae ; I had no choice that it was converted to Navient. Further, even with Navient ; all but one of my loans indicated they were federally backed, including the interest that indicated " The interest rate on your federal student loans is set by federal law '' further showing that these were federally backed loans. They all had the same interest rate, a much lower rate then my higher private loan with Navient. 

I still have not been able to get any updates, or refund. I would appreciate any help which you may be able to provide, to ensure this reimbursement and update on credit report is expedited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$510.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( SYNCB/ CARECREDIT ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and Equifax. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by 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 2024-09-08 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: NY

Complaint narrative:
Dear CFPB, I am filing this complaint regarding the unpaid settlement funds I am owed as a result of the Equifax data breach. My personal information was compromised in the breach, leading to significant issues, including fraudulent charges and unauthorized withdrawals from my XXXX XXXX account. I have provided them all requested documentation, and I have proof from the Equifax settlement website confirming that I was directly impacted by the breach. 

Despite fulfilling all the necessary requirements and submitting the requested information, Equifax has not released the compensation owed to me for the damages I suffered. This delay has caused unnecessary hardship, and I believe it is unfair and unacceptable that Equifax has not yet paid out the settlement funds. 

I request the CFPBs assistance in ensuring that Equifax honors their commitment and promptly releases the compensation I am owed. Thank you for your kind attention to this matter! My claim Number is : # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NY

Complaint narrative:
Dear CFPB, I am filing this complaint regarding the unpaid settlement funds I am owed as a result of the Equifax data breach. My personal information was compromised in the breach, leading to significant issues, including fraudulent charges and unauthorized withdrawals from my XXXX XXXX account. I have provided them all requested documentation, and I have proof from the Equifax settlement website confirming that I was directly impacted by the breach. 

Despite fulfilling all the necessary requirements and submitting the requested information, Equifax has not released the compensation owed to me for the damages I suffered. This delay has caused unnecessary hardship, and I believe it is unfair and unacceptable that Equifax has not yet paid out the settlement funds. 

I request the CFPBs assistance in ensuring that Equifax honors their commitment and promptly releases the compensation I am owed. Thank you for your kind attention to this matter! My claim Number is : # XXXX  Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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. 

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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MO

Complaint narrative:
The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase Bank let a one of there members have a fraud scam account. They allowed this criminal to steal thousands from from investors and business owners. I was a victim from this fraud back in 2021. I reached out to JP Morgan Chase numerous of times but no luck getting the funds back that I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On the day XX/XX/year>, after attempting to use XXXX to pay my rent amounting to {$760.00}, my access to my account was blocked without any explanation, and my money got trapped in my now-inaccessible account. I have contacted the customer service line and the fraud department several times, and they explicitly refused to answer every time. This put me in a tough spot as I needed to use that money at the time, and I still need my money back. Please help

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 2024-09-08 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( Mo ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). 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 non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I need to dispute the following inquiries below from my EXPERIAN report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXX XXXX XXXX - XX/XX/year> XXXXXXXX XXXX  - XX/XX/year>

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXX news feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Transunion on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. In the month of XXXX, I checked my credit report then to see if during the updating of my credit report phase had occured, had there been any changes/removals of the unauthorized inquiries to which I discovered there nothing had been removed but instead, I discovered a new hard inquiry that was listed/titled as " XXXX ''. I give the Transunion even more time during the whole month of XXXX and nothing changed about what was negatively being reported against me. On XX/XX/year>, close to 75 days later, I sent Transunion a letter by certified mail of their failure to execute their responsibilities of adherence to consumer law and FCRA policy to which their governed and demanded the inquiries be removed. Nevertheless, I also informed Transunion that they were created a civil liability situation per violation that they were carrying out. Again no response had been given to me regarding this.

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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XXXX I made a booking with XXXX XXXX paying the full advertised rental price, ( {$510.00} ) which their Terms of Service require to be fully itemized and shown on the booking page. A short time later, the host demanded hundreds of dollars extra in an offline communication in violation of the same Terms of Service. I immediately cancelled the reservation, and notified American Express of the fraudulent charge on my card. I made repeated attempts to solve the matter with XXXX, but they claim they are able to keep all of my money regardless of any fraud committed by them. I received no goods or services from XXXX. I have made numerous complaints to American Express who reversed my requested chargeback when XXXX sent them a non-responsive and misleading AI generated document purporting to show I agreed to be defrauded. 
Since then I have made endless and numerous fruitless attempts to raise the problem with American Express. I have gone so far as to write XXXX XXXX, the CEO. He said he would have the matter investigated and get back to me. This has not happened and I have received no report or update. American Express as a bank claims to have a XXXX customer liability for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 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: OPORTUN FINANCIAL CORPORATION
State: VA

Complaint narrative:
I do not recall applying to XXXX XXXX for any service, but it seems a hard inquiry is on my file. I have tried to contact the institution but have not received a proper response. I want to bring this concern here in the hope that it will be resolved. 

Institution Information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX note ; The Hard Inquiry happened in XXXX, 2024.

Company response to consumer: Closed with explanation