vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: NJ

Complaint narrative:
I XXXX XXXX checked my credit reports and noticed that there is inaccurate information being reported on my credit report. I sent in a dispute letter to Equifax, XXXX, and XXXX and I haven't received any response. 

15 USC 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reported to Experian and XXXX  with updating my personal information properly or at all. 

Experian has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

XXXX  also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida 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 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I do not remember the date but Chase Bank Blacklisted me over {$70.00} and I have been deemed high risk ever since. Let me rephrase that the know it all agent I was arguing with ILLEGALLY Blacklisted me and deemed me so called high risk when I'm not. Now I can't open up a bank account, obviously can't get credit nothing. Chase Bank ruined my life and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: GA

Complaint narrative:
After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 

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 explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX military member on XXXX XXXX. I recently pulled my Experian report and noticed Experian is reporting an account inaccurately on my consumer report and have yet to remove the account, which is a violation of the FCRA section 611. I have sent Experian a dispute letter and i have disputed the inaccurate account online. Experian keeps saying it's verified without giving me any documentation on how the account was verified. I am the consumer, only i can verify the account. This inaccurate reporting of this account is ruining my reputation and might cause me to lose my security clearance with the United States XXXX, which i could lose my job.

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 2021-08-16 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: U.S. BANCORP
State: FL

Complaint narrative:
In XX/XX/2020 Elan Financial services used a company called XXXX to collect debt from me which was owed. Total amount owed was {$1300.00}. I got 3 letters stating if I paid {$540.00} the account could be settled and closed. In XX/XX/XXXX I had called XXXX and they settled the account and told me it was closed and everything would be processed. For the last 3 months I saw my credit rating go down because Elan is stating that I still owe them {$810.00}. I have called multiple times and they state I either pay or the account will keep affecting my credit. I asked to request a manager over and over again and I can not reach one what so ever, and they can not help me. I am trying to settle this because this debt that I settled a year ago keeps coming back to haunt me and the company will not help me at all when I payed what was asked.

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 2021-08-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im a victim of ID theft I took the legal advice I was given to send in report to Experian credit bureau with reports and my identity on XX/XX/XXXX and the XXXX after then mmm saying I didnt resend my drivers license the first time without my drivers license. So I called 5 different times and everyone I would get told different stories. The last time I talked with an agent was on XXXX and she told me that the fraud accounts were sent in for dispute through the furnishers, previous rep told me before her than the accounts she have been blocked immediately due to the proper documentation being sent in. To my knowledge its the law that if consumer send proper legal documents in they have to comply Experian? So XXXX  and XXXX  did there part of the information Experian shared with them. So the next day after talking to the Experian rep, I get an email saying that all the account disputes were updated, how were they updated if they were sent to the furnishers for Verification? Im being lied to and they are harmfully hurting me for these ID theft accounts I didnt do. I contacted FTC, attached is screenshots

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 2021-08-16 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: SC

Complaint narrative:
Im a victim of ID theft I took the legal advice I was given to send in report to XXXX  credit bureau with reports and my identity on XX/XX/XXXX and the XXXX after then mmm saying I didnt resend my drivers license the first time without my drivers license. So I called 5 different times and everyone I would get told different stories. The last time I talked with an agent was on XXXX and she told me that the fraud accounts were sent in for dispute through the furnishers, previous rep told me before her than the accounts she have been blocked immediately due to the proper documentation being sent in. To my knowledge its the law that if consumer send proper legal documents in they have to comply XXXX? So XXXX  and TransUnion did there part of the information XXXX shared with them. So the next day after talking to the XXXX  rep, I get an email saying that all the account disputes were updated, how were they updated if they were sent to the furnishers for Verification? Im being lied to and they are harmfully hurting me for these ID theft accounts I didnt do. I contacted FTC, attached is screenshots

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 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reported to XXXX  and Equifax with updating my personal information properly or at all. 

XXXX  has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

Equifax also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: AR

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have had no communication or knowledge or documents regarding this Caine and Weiner collection {$38000.00} debt from XXXX XXXX XXXX owner of Apartments name is XXXX XXXX. 
No judgment for his so called " EVICTION AFTERMATH AND MAYHEM '' please see attached re. my ignored attempts to obtain the 38 or more " supporting documents '' sent or faxed in by the LANDLORD who is a vicious, frivilous, vexatious, and letigeous! I am legally entitled to know why he conjured up this rediculous bill amount falsly conjured up not only towards me but 5 other people ( family ) and su ent on to Caine and Weinert collection agency. I have been intentionally maliciously harassed for 2 years from this apartment owner! My lawyer was not able to get compliance from agency and i was not either from anyone! SOMEONE please subpoena them from Creditor and Agency. see attached. thank you so very much for being fast and efficient towards my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: WA

Complaint narrative:
In XXXX of XXXX, I contacted the Department of Education and XXXX  XXXX XXXX about a Nelnet loan that had been consolidated. They informed me that I would not receive credit for payments made toward Public Service Loan Forgiveness, as a result of the consolidation. Post communication with Customer Support Department the Department of Education agreed to retract the consolidation This would mean that the loan monies paid to Nelnet would be rescinded and the old accounts would be reopened. 

However, Nelnet opened two new accounts with different account numbers and reported two old 90 day late for XX/XX/XXXX notices on the new accounts. These two new accounts with late notices dropped my credit score significantly, Making it impossible to attain an affordable interest rates. 

This was done after I had increased my score due to credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used XXXX points to book a trip with chase ultimate rewards. After 10+ hours on the phone with them they finally emailed me the ticket confirmation, which says the trip is booked and no additional fees are due. That was on XX/XX/2021. That day a representative also confirmed the tickets were booked and no additional fees were due. 

On XX/XX/XXXX, the day of the trip, I took the confirmation to the airport with all my bags. The airline told me the ticket hadnt been issued, they could see the booking but it was being withheld by chase. I got chase on the phone and they dragged out our call foe 75 minutes, refusing to fix their error because it would cost them too much After the booking window closed for my flight, I was forced to beg the employees of XXXX XXXX to let me pay them on the spot to book the tickets chase said they had booked, then refused to issue. 

This cost me {$17000.00} - money I dont have, but I didnt have a choice. I am going to XXXX for a wedding I cant miss. 

Chase gaslighted me on the phone so long I had to RUN over half a mile from the XXXX XXXX ticketing desk to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, carrying my bag. I was injured in the process but once again had to make the choice between missing an event Id been planning for months and appropriately resolving the situation. I boarded the plane sweaty ans injured for a long haul flight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
Please See Attached Letter to Carrington Mortgage Services ( CMS ) and attachments. Basically, CMS offered me a permanent Loan Modification. However, there were several issues in the CMS Trial Period Plan ( TPP ) that are unfair, on its face. CMS incorrectly over stated my income. CMS valuation on the property value of my home is too high. The CMS Trial Period Plan highly favors CMSs position while giving little power to me, as homeowner. Importantly, CMS does not reveal any of the Loan Modification 's contract terms before payment of the TPP is completed ( I don't know what I'm getting into ahead of time ) .How can I make an informed decision here?

Company response to consumer: Closed with explanation