vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the XXXX, XXXX, and TransUnion has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my 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 2022-05-25 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: MO

Complaint narrative:
I ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Equifax, XXXX, and XXXX has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
To who it may concern i have recently discovered that is unauthorized and i did not approve it to reflect on my credit report. I believe i may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report and i am insisting that they be deleted from my credit report as soon as possible.these items are fraudulent and impacting my relationship with credit i have reported the theft commissions identity theft affidavit in regards to this incident please investigate these matters and remove the dispute items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TX

Complaint narrative:
I am a victim of XXXX XXXX and Experian, and XXXX are reporting 30 day late payment for XXXX  account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and Experian has deleted it but Experian and XXXX have not deleted the 30 day late payment. I need Experian, and XXXX to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the XXXX. Please help Experian, and XXXX update the XXXX  account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that Experian and XXXX are reporting on my report. They are violating my rights.Thank you for your hep with 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 2022-05-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section 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 an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number 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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX and XXXX, and TRansunion are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and XXXX has deleted it but XXXX and Transunion have not deleted the 30 day late payment. I need XXXX, and Transunion to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the Covid. Please help XXXX, and Transunion update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that XXXX and Transunion are reporting on my report. They are violating my rights.Thank you for your hep with 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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section 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 an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number 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 2022-05-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section 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 an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
So far I found XXXX bank accounts either opened or attempted to open. Credit cards used. Auto loan attempts I can't access social security file any more or my IRS file. My IRA account was emptied there are surity bonds that I didn't sign for. Appts rented etc I also have people logging into my browser XXXX XXXX  accessing my photos and publishing them. I just went to XXXX  for it pled guilty because I couldn't fight it from in there but have proof I didn't do it. But know one cares

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I don't own MIDLAND Credit and I don't own XXXX XXXXXXXX XXXX anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX BK OF AMER XX/XX/22 RE. We have disputed this account.

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 2022-05-25 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: MO

Complaint narrative:
I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.

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 2022-05-25 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had unauthorized charges on my checking account from random strangers I didnt know that hacked into my account and sent XXXX payments to themselves. The totals equal {$7900.00}. I am working with truest bank in an investigation and Im hoping they will restore all the money to my account.

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 2022-05-25 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: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; and XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00}.

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 explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Navient held my loans when I applied for the PSLF program 3 times. Each time, I was told I did not have the " right type of loans '' and that I needed direct loans. I had old loans, some of which were already consolidated, but many were direct loans. I applied 3 times but was denied each time. I now know I received incorrect advice : I did have federal loans including some direct loans and should have qualified for the PSLF program by consolidating them under the federal umbrella. Based on this incorrect information, I gave up on the PSLF program after the third denial and consolidated with XXXX for XXXX. I attempted to go through CFPB to try and get XXXX for XXXX to reverse the consolidation. They agreed to do so, but Navient refused to refund the money to them and reinstate my loans. I would ask CFPB to reach out to Navient to see if they would agree to refund the money to XXXX for XXXX and reinstate my federal loans. This would allow me to apply for the PSFL program and receive loan forgiveness. The amount I initially consolidated with XXXX for XXXX is around {$37000.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: OH

Complaint narrative:
Inaccurate information reported on my credit

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 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2022 I had a transaction of {$6500.00} sent through XXXX pay for XXXX English bulldogs that I was supposed to got on XX/XX/2022. On XX/XX/XXXX I tried to contact the seller but I noticed I was blocked on the phone and also on XXXX, so I had no way to contact the seller. I instantly figured I was scammed so I contacted my bank which is Chase bank to make a dispute. My claim got denied because they said it was through a third-party and that theres nothing they can do to help me. I was frustrated and confused because Ive never got scammed before and I felt like they wasnt taking my situation seriously and couldnt really understand why my bank wasnt trying their best to resolve my problem. I also tried to get a refund from XXXX pay but they also said that theres nothing they can do since I basically agreed to send the money. I contacted The Federal Trade Commission and made a report. They suggested that I make a claim with CFPD to see if its anything you guys could help me with. I honestly just want my money back, {$6500.00} is a lot of money to just give up on even if I dont get the whole thing back I still would like a financial release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Over the years I've tried to open an account with Chase but have been denied. I spent a lot of time trying to figure out why I was being denied and have never gotten a straight answer other than I have a very old derogatory account. I believe that this is correct but the account is due to identity theft and should be written off. I'm trying to get a loan through Chase mortgage and can get a better rate if I have a checking account with them but I'm being denied because I'm a victim of identity theft. I would like to do anything possible to resolve this so I can have an account with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX  XXXX  XXXX CREDIT ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, 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