vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have filed two bankruptcy cases in the last 7 years. In the first one, my XXXX XXXX mortgage was included. That one was dismissed. In the second one, my XXXX XXXX mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for XXXX XXXX to continue CORRECTLY reporting my monthly payments. For THREE YEARS, they kept reporting inaccurate information and had made credit report look like I was up to three years behind on payment. THIS TANKED MY CREDIT SCORE!!!

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, XXXX XXXX is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/21 we wired XXXX to someone posing as the paralegal for our closing attorney, XXXX XXXX XXXX XXXX XXXX SC. We did not reali3 we were defrauded until 2 days later when the closing attorney said they never received our wire. We immediately contacted Chase Bank to try to retract the wire but they were not helpful. We also contacted the FBI who tried to figure out who was hacked- our email, the realtors email? or the closing attorney 's email. We hired a lawyer who tried tried to help us recover the money & they feel we should have some protection from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CORELOGIC INC
State: GA

Complaint narrative:
Hello, I did not give permissible purpose, and written instructions from the consumer were not provided, and there was no credit transactions with a consumer, and employment purposes with written authorization from a consumer were not provided, insurance underwriting purposes, tenant screening, and national security investigations.

Please delete the inquiry from my consumer report. 

Thanks, 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Id like to inquire about the recent Navient private student loan settlements. Our loans were originally serviced by Sallie Mae and originated between XXXX and XXXX. I have many issues with the servicing of the loans : - Various discussions with the companies regarding inability to make payment. When contacted our loans were always steered towards forbearance. Which then resulted in the increase of overall debt due to additional interest being added to each loan.

- Assistance towards a more manageable payment option was not offered.

- Previously applied to have the cosigner released after 12 consecutive months of payments, this was denied. 

- Asked to confirm that we were given the XXXX  % interest rate reduction for automatic payment which couldnt be validated. Therefore, I stopped autopay. 

- I contacted Navient once again about payments and was offered a term rate reduction for 9 months, also with the difference added to the backend of the loan. 

The loans have been being paid for more than 10 years. With the additional interest from forbearance and the recent interest rate increases, the loan balances are not going down. For instance, one loan was originated for {$10000.00} in XXXX XXXX. The current balance is still showing as {$9700.00}. Only {$300.00} reduction in balance after 10 years of payments. This is absurd.

Ive read the detail on the internal memo by Navient senior director regarding forbearance. Why arent all loans reviewed for the same experiences? 
I would like to request that our loans be reviewed and a response to our request to have these forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Third time company XXXX is reporting incorrect status of my account. SYNCBLOWES Account should be in an OPEN status. I have contact SYNCBLOWES and they have sent 3 forced reports to show account is OPEN & ACTIVE status. 

I requested XXXX to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. XXXX is INcorrect and not reporting accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Wolf River Development Company
State: MN

Complaint narrative:
I inquired about qualifying for a loan from XXXX XXXX. After reviewing the company 's APR rates and finance charges, I decided against getting the loan. I have spoken with 7 different representatives at the company and requested them to stop calling me. They call me over 14 times per day, all hours of the day. When I answer and ask them to stop calling me they harass me and ask things like why would you want to do that. When I continue to push to stop calling me as I never took out or accepted the offer and do not wish to, they say they need to transfer me to someone else, I will sit on hold for over an hour just to get another rep that does the same thing. I have tried blocking the phone number and they continue to call me from various different phone numbers. I would like this company to quit contacting me as at this point it is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
This is inaccurately reporting on my report. 
XXXX US DEPT . OF EDUCATIO- XXXX 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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX. Thank you. 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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: AZ

Complaint narrative:
I have received emails and text messages from FBCS, not even sure who they are. They have also been calling my boyfriend 's cell phone and I had to block their number. I believe that this is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: LEXISNEXIS
State: WI

Complaint narrative:
1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently received a {$2600.00} prepaid gift card from American Express. I have tried to use it angain annd angain, and it is not accepted from ANY vendor ive tried. The card transaction has declined, or shows as pending for days at a time, online and in stores. In person talking to the merchant, they accept Amex, enter all the details correctly and security codes are correct. They say to request authorization from Amex. Speaking to Amex customer support has taken 20+ hours and they say it has sufficient balance and do nothing. Their recommendation is to try somewhere else. They are unwilling or unable to verify or authorize the transactions, they just say it works. It does not work. 
Doesn't work on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The card is in fact verified and has been checked by support multiple times, when I check the balance, the amount is more than sufficient. 
I've talked to customer support for hours ( including a manager ) and they refuse to give me a refund or tell me where ( if anywhere! ) I CAN use the card. Its worthless and unusable, even though Amex has already been paid for the amount!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit reporting agency. 
1. I am not able to obtain nor reset my Password to their website. There is NO human I can talk to either to resolve this issue.

2. there are Social Security # variations listed on my credit report that are not mine. These need to be removed. There is no one to speak to at Experian, so I am stuck.

3. there are phone # 's listed on my account/ under my correct SS # that I have never used nor been associated with - those need to be deleted.

4. there is work history stating that I have worked at XXXX  XXXX, which I have never worked at, This erroneous data needs to be deleted/ cleaned up. Of course there is no one to speak with at Experian, so i am hitting a brick wall. 
All other Credit reporting agencies have an easy way to fix these issues, but Experian does not unfortunately. 
Thanks for your help, XXXX XXXX XXXX XXXX cell 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 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This is a fraudulent report. This debt does not belong to me. I have communicated this to XXXX multiple times via phone and in person. I have an active and paid up account with XXXX in my name. I had to dispute this to even get the account. A collection agency reached out on behalf of XXXX via mail on XX/XX/XXXX. I called immediately to dispute this matter. I was instructed by XXXX to share by email XXXX ) photo ID XXXX ) copy of my lease for the dates of XX/XX/XXXX to XXXX and then to fill out the XXXX ) fraud affidavit packet. I submitted all of this information on XX/XX/XXXX. I never received any follow-up communication or additional debt attempts. Collection told me they would freeze reporting on this. Again this is fraudulent and not my debt. Someone used my information to get this service. I did not live at the address they listed. this is not ok to report on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My wife is the sole owner of her property. I am not on the deed to the home. PNC bank is the mortgage holder. XXXX XXXX ( AVP, Operations Manager, Loss Claims ) from PNC bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and PNC does not care. My name should not be on the " Notice of Default ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
They closed my account an will not send me my closer check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is inaccurately reporting on my report. 
XXXX US DEPT . OF EDUCATIO- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ADDRESS IS INCORRECT I BEEN AT SAME ADDRESS, ALSO By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months to a year.

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Addresses not belonging to me reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief