vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
PayPal keeps taking money out of my account and nobody can tell me why. Ive deleted my PayPal account and havent used it in almost a year. So why does PayPal keep taking money from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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: NJ

Complaint narrative:
Credit bureau has a comment on my student loan account that indicates that there is a dispute on this account though there are no active disputes. Comment reads " Dispute resolved, customer disputes after resolution '' This is incorrect. Need comment to reflect " Dispute resolved, customer disagrees '' The words " Disputes after resolution '' is having a negative impact which may cause my current mortgage application to be denied. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The companies thats reporting on my report are : XXXX XXXX XXXX XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a transfer on XX/XX/2022 from my Chase checking account to a new XXXX XXXX savings account in the amount of {$65000.00}. The transaction was completed correctly. On XX/XX/2022, at XXXXXXXX XXXX XXXXXXXX, I used my phone app to open my Chase account. There were two pending transfers of {$65000.00} each from Chase to XXXX XXXX. I did not authorized either of those transactions. 

I contacted Chase customer support at XXXXXXXX XXXX XXXX on XX/XX/2022. I was told several reasons, but eventually the representative indicated a claim would be initiated and my money should be returned to my account within 12 hours. I was also told that XXXX XXXX was the company who caused this problem. I made numerous call back to Chase customer service during the day and was given different suggestions and answers. My saving account was {$0.00} and my checking overdrawn by over {$100000.00}. I could not pay my bills. ( Case # XXXX ) I called XXXX XXXX at XXXX XXXX XXXX ( soonest they were open ) and was told they did not have the money, only the one transaction I requested on XX/XX/2022. XXXX XXXX indicated they did not have access to my checking account to make the duplicated withdrawals. I talked to XXXX XXXX several times during the day. They sent me the following email : [ Incident : XXXX ] Hello, Thank you for reaching out about your multiple transfers from your Chase account. 

Our Operations team has reviewed and found that the transfer file received and processed contained only one transaction. We have researched this thoroughly and have not found that XXXX duplicated your transaction. 

We recommend that you reach back out to Chase to have them research this further and escalate to their team. 

Thank you, XXXX Chase has not followed up with emails or other contact to inform me what is being done to return the {$130000.00} back to my account. I was told by Chase they would be sending me an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-08-08 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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My account was closed by citizens at the end of the day on XX/XX/XXXX. Me not knowing my account was being closed I deposited a check in the amount of XXXX which was more than enough to cover my overdrafts and I would have had XXXX in my account. I found out on XX/XX/XXXX that my account has been closed. From there I was sent through the run around as it relates to retrieving my funds. Now here it is XX/XX/XXXX citizens is in possession of over XXXX of my money and will not and has not sent my funds to me. I call constantly and Im constantly given later dates as to when my funds should arrive. This situation is causing hardship in my home in ways you cant even imagine. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was done with college in 2009. I got sick with XXXX XXXX XXXX shortly after I was done with school and ended up XXXX my job. I was newly diagnosed with the XXXX and had no idea how to control it so it took me a long to to get it some what under control. I contacted Navient about how to get help with my payments, they put me on a forberance and continued to do so for a few years and finally When my wife was dealing with her loan provider she was told about an idr. so i called navient about it and then all the suden they didnt have my file no more it was now with a company called pioneer recovery. finally after months of the run around I had to get out of default with a 12 month payment program then i could get on the idr. The payments i made to the program i have never seen applied to my loans. i was on the idr untill the coronavirus pandemic started and it expired a month ago. I have also been getting notices from navient every month about the intrest on my student loans continuing to add up and I thought it was suppossed to be paused.. I just recently found out about how they were suppossed to be fixing this issue and was wondering how or when because payments are suppossed to start back up soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I applied for a car and I received hard inquiries from other places. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CBNA/THD continues to report a negative credit card account despite a pandemic related forbearance. Account has been open for over 5 years and was in forbearance at the start of the COVID-19 pandemic. Despite said forbearance, account has been reported to the credit reporting agencies as late for the months of XXXX and XXXX, XX/XX/XXXX. Several disputes to Citibank and Home Depot have been ignored.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have called Bank of America to no avail without getting my issue resolved. I DID NOT apply for credit nor any type of loan for this company and they have absolutely NO REASON to check my XXXX report. This occurred on XXXX and to arbitrarily check an individual 's credit is HORRIBLE! I have sent an email, reached out on XXXX and called and no one has assisted me. Below is a screen shot of the hard inquiry that needs to be removed 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
fraudulent inquiries on my transunion credit report. 

remove and block these fraudulent inquiries NOW PLEASE the transunion fruadulent inquires are : XXXX. XXXX XXXX ON XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ATTACHED IS FTC REPORT ATTACHED IS MY CALIFORNIA ID ATTACHED IS A COPY OF MY UTILITY BILL FOR MY CURRENT RESIDENCE

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 2022-08-08 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: TX

Complaint narrative:
I XXXX XXXX XXXX contacted Equifax, XXXX, XXXX, AND XXXX XXXX XXXX on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! EQUIFAX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT EQUIFAX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE EQUIFAX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO XXXX  XXXX XXXX XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! 

XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX 
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX EQUIFAX XXXX XXXX XXXX XXXX  FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I re-titled the car from Florida to North Carolina. When I did I had to pay {$56.00} in charges to North Carolina that were Chase 's responsibility. I contacted them for months to get the money back. They finally sent me a check which was returned. I was charged {$15.00} by my bank for a bad check charge and I have called Chase multiple times about this. I was told last Monday by a Chase supervisor that I am apparently not the only one. There are a large number of these " bad '' checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
I XXXX XXXX, a consumer and natural person have been reviewing my credit reports for accuracy. I called the number ( XXXX ) XXXX provided on my Experian credit report that I pulled on XX/XX/2022 to request debt validation on the account listed as US dept of ED/XXXX with a balance of {$1700.00}. I was immediately directed to an automated line stating they are very excited to offer me a special promotion and asked if anyone in my household is 50 years or older for a great offer on car insurance. No company name was provided and there was only an automated line, and I have recorded that call for record. Ive filed an FTC complaint because Ive previously been victim to identify theft and fraud and I have not consented to my personal credit information being shared with this third party. The address listed on my credit report associated with the account is a po box which gives me no reassurance to the validity of this alleged debt. I refuse to mail to this address in fear of my sensitive personal credit information being compromised. Pursuant to 15 U.S. Code 1681 Experian failed to exercise their grave responsibilities with fairness, impartiality, and a respect for I, the consumers, right to privacy. I did not authorize or consent to my information being sold to a promotional car insurance company. I did not enter into a consumer credit transaction with a promotional car insurance company and this inaccurate account being reported on my credit has negatively impacted my credit worthiness and my reputation as a consumer. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This inaccurate reporting by Experian has led to a severe increase in my debt to income ratio and thus negatively impacting my credit score and my ability to obtain credit. Experian also lists my name as " XXXX XXXX '' which is inaccurate and I have never identified as XXXX XXXX. There are several incorrect addresses that are not associated and have not been associated with me including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX 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