vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on XXXX and Equifax with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with XXXX XXXX, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from XXXX XXXX were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and Equifax shall be instructed to remove the adverse tradelines per attached agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Federal Student Loans XXXX XXXX XXXX XXXX Entered into Fresh Start : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on XXXX and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with Fresh Start, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from Fresh Start were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and XXXX shall be instructed to remove the adverse tradelines per attached agreement with Fresh Start Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
On XX/XX/2024, my checking account made a XXXX transaction for {$2000.00} to someone named XXXX. I only found out because I received an email from Chase to verify a transaction. I clicked no that I did not authorize this payment and the email said I have already authorized it. When I looked on my account, a {$2000.00} payment was sent to someone named XXXX XXXX XXXX. My Chase Sapphire card was also hacked. I had to close that card. Chase said that I have no claim because face ID was used to open my Chase app. I tried to tell them that my phone was hacked and I never sent this payment. They cant even locate who this XXXX person is. If you cant validate a persons XXXX  account, how can you say I sent this money? I need my {$2000.00} back because this is not fair. I did not authorize this money to be sent to anyone. If I cant trust my money in a bank, then what is the point of having money in a bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
None of the dates match and the account is not validated at all. XXXX put last reported XX/XX/24 & XX/XX/24 and thats not true and they cant update that because thats when I filed a dispute.

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 2024-01-31 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: VA

Complaint narrative:
There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX- inquiry Date : XX/XX/23

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 2024-01-31 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

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 2024-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
In XX/XX/year> I took out a loan with MEFA for {$23000.00}. I was XXXX with no credit so my dad cosigned it. I made a payment of {$130.00} every month for XXXX YEARS and not a dollar went towards the principal balance. It was explained to me and my dad that we would pay the interest during school so we would pay less interest once I XXXX. My principal balance stayed at {$23000.00} even after paying over {$6000.00} the first 5 years. That it self is horrible. Now, I am XXXX and make a payment of $ XXXX {$400.00} a month to try and lower my balance. I pay ( not my dad ) around {$4000.00} a year for this loan. However, because my dad is a cosigner the tax forms are in his name so I can't use the tax benefit and because I am not a dependent - he can't use the tax benefit. I am unable to have a cosigner release. I have tried multiple time after paying my monthly balance on time for over 8 years and still no. This is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report # XXXX : XXXX XXXX XXXX XXXX XXXX  -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to XXXX or any form of automated verification.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I asked the company to refund {$400.00} that was fraud. My friend XXXX XXXX has a PayPal account that I have always used to send money, But someone I have never done business disguised his/her self as XXXX XXXX XXXX I sent {$400.00} and it went to wrong perso -- someone named XXXX CASHED this payment -- - which was FRAUD. AND PayPal and my bank are refusing to do anything about it. This is an evil person preying on people. Please check into this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

TransUnion : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information 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 non-monetary relief
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 

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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2024-01-31 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: VA

Complaint narrative:
There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX inquiry Date : 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 2024-01-31 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: VA

Complaint narrative:
There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX- inquiry Date : XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-01-31 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-31 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: NC

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00}.

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 2024-01-31 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: NC

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous 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 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 2024-01-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried to add my credit card to XXXXXXXX XXXX XXXX i was told i needed to call to verify my identity which i did by providing my 'secret word ' that i setup when i got the credit account years ago. They then asked for a phone number to text me a verification code, which they didn't do and instead said they needed a second phone number to text me at also. i provided them two phone numbers at which point the customer service rep told me i needed to provide more phone numbers. I don't know how many phone numbers they think people have or that i need to provide, but two phone numbers is more than enough. they then asked me to give them my bank account numbers. when i tried to ask why they are asking for so much information from me when i've had the account with them for years, they went silent and refused to speak. i hung up and called back. I got a different customer service rep who told me that my account was now locked and that they would no longer be providing me any customer service. I asked to speak to a manager or supervisor and was told that there are no managers or supervisors working and that i'd have to wait up to 48 hours for someone to maybe call me back. i tried asking why they won't just verify my identity and why they're making me jump through all these hoops and they refused to answer me or provide me any answers. i then told them to go ahead and just cancel my credit card since they don't want me as a customer and they refused to cancel my credit card.

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 2024-01-31 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: PA

Complaint narrative:
CFPB Complaint No. XXXX Incomplete Investigation and Request for Address Correction I am writing to address the recent communication from Experian regarding the completion of an investigation tied to my CFPB complaint ( No. XXXX ). The investigation is not complete, as there remains an unresolved issue regarding the address listed on my credit report. 

As I have previously detailed, the address associated with the following identifiers : Address : XXXX XXXX XXXX, XXXX, PA XXXX Address ID : XXXX Geographical Code : XXXX is incorrect, unmailable, non-deliverable, and therefore inaccurate. This continued inaccuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 1681. 

Despite your claim of a completed investigation, this address still appears on my credit report. To rectify this situation and ensure compliance with the FCRA, I am once again providing a recent utility bill and my state-issued identification as proof of my correct address. 

I am formally requesting the immediate deletion and update of the inaccurate address information from my credit profile. The persistence of this inaccurate information can have detrimental effects on my credit standing and overall financial health. 

Please expediently process this request and provide written confirmation once the erroneous address has been removed and my credit information has been correctly updated. 

I appreciate your prompt attention to this matter and expect a response within the statutory timeframe. 

Thank you for your cooperation. 

Sincerely,

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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of certain accounts on my credit file, asserting that they violate my federally protected consumer rights under the Fair Credit Reporting Act. These accounts must be promptly removed to comply with relevant legal provisions.

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