vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: AL

Complaint narrative:
I have sent to the creditor and credit bureau asking them to provide me with proof showing me a written contract bearing my signature this company has failed to provide me with any proof showing me a written contract and have failed to remove this negative item from my credit according to the FCRA I have the right to ask for proof and they have 30 days to verify or remove.

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 2021-08-07 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: AL

Complaint narrative:
I have sent to the creditor and credit bureau asking them to provide me with proof showing me a written contract bearing my signature this company has failed to provide me with any proof showing me a written contract and have failed to remove this negative item from my credit according to the FCRA I have the right to ask for proof and they have 30 days to verify or remove.

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 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I called Chase Bank, XX/XX/2021 at XXXX XXXX  who I have an existing mortgage with to speak with an advisor on refinancing. I was connected to a lady, who took all my personal information, ran our credit, took good faith money, and more. I was instructed to upload documents needed to continue, but was unable because she didnt email other documents or include pertinent information to my Chase account needed to submit the documents. When she did on XX/XX/2021 at XXXX MST, I noticed the properties address Im refinancing on the Loan Estimate and all documents she mailed out to me to be signed, were incorrect. Ive been emailing and calling her since XX/XX/2021, without any responses. Ive also tried calling and emailing her manager informing him of the error, but no one has called or emailed me. This is the worst customer service Ive experienced with any business. How can I sign paperwork when information on it is incorrect and I have additional questions regarding this process. What Im afraid of is that shell treat my not signing these documents as a backing out and keep my {$500.00} Good Faith deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: PA

Complaint narrative:
Equifax did not investigate the compliance issue stated in my letters. I was not verifying or validating any accounts. My letters demanded deletions due to your agency reporting accounts that would be result of being authorized or approved from a credit card based on The Congress ' definition of a credit card. Equifax also did not rebut my sworn and notarized affidavit that was mailed and received on XX/XX/2021. Affidavits are to be either rebutted with an affidavit or they are confirmed as judgement, therefore, my demands are to be met on the letter. You are also out of compliance since XXXX met my demands. All consumer reporting agencies are to have the same information if the accounts are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: SC

Complaint narrative:
This dispute is due to Transunion and other credit bureaus such as XXXX and XXXX using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Goal Structured Solutions, LLC
State: MI

Complaint narrative:
I received a letter stating that my loans would be entering repayment following an in-school deferment. The payment amount is {$850.00} per month. It would be impossible for me to pay this amount monthly. I work full time and am paid minimum base wage. I tried to contact this company to lower my monthly payments, however I was unable to do so because they only offer support during the hours that I am working full time.

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 2021-08-07 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: DC

Complaint narrative:
I contacted EQUIFAX, XXXX, and XXXX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX, XXXX, AND XXXX had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that EQUIFAX, XXXX, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NJ

Complaint narrative:
I am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint. 

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k. 

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of this inaccurate 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 2021-08-07 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: CA

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been renewing my student loans for about 9 years but did not receive a renewal application for IBR last year and this year. I faxed Navient but did not get a reply. 

Hope you can assist me with this issue. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
Received a notice prior to garnishment for a debt that is the wrong amount. Much of the debt that they are attempting to collect on using garnishment, is past the statute of limitations for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2021 my chime account was closed. I was told it went against the international policy. On XX/XX/2021 I was told from the escalation team that they would process my check in 14 business days after any pending transactions cleared I just had to verify my address. Then on the night of XX/XX/2021 they emailed me a tracking number. On XX/XX/2021 I checked the tracking and seen that the check was getting delivered to another state and address that I did not verify. I contacted Chime support and XXXX. XXXX told me that they specifically got the address they sent the check to from Chime and the settings was set to where the address could not be changed. A chime representative accused me of changing the address. Then they blamed it on XXXX saying it must have been a problem on their end. Chime offered to cancel the check and send out a new one that would again take 7-10 business days to be shipped out. On XX/XX/2021 I got another email from chime saying that my account was closing when it should have already been closed. So I contacted them about the check and they are saying that they have no information about the check however they can offer a new check but to a different address since all attempts to my address has failed. However they are requiring that I show a picture of hmmm my ID and a picture of my full social security card. Considering of all the sketchy stuff from this company I am not comfortable with sending them a picture of my full social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: PA

Complaint narrative:
Transunion was not consistent with the removal of accounts that are listed within the affidavit of truth I sent on XX/XX/2021. An account still remains that is the result from the approval and authorization of a credit card as defined by Congress in the FCRA.

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 2021-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball Tirey is attempting to collect a debt that I did not incur. On the credit report it states the debt started in XX/XX/ 2019. In three years they have made no contact or sent any letters. They made no attempts to legally verify the debt was in fact incurred by myself nor sent any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NY

Complaint narrative:
To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed 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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a Collection Notice from IC System on behalf of creditor XXXX  for {$220.00} against account No. XXXX. I have a current XXXX  account but it was for a different location and had a different account number. My research determined the account number on the Collection Notice was for a property I sold in early XXXX. The XXXX  account was paid and closed at that time. I verified the status of the account was paid and {$0.00} owing by signing in online to that old 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 2021-08-07 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: AZ

Complaint narrative:
I have filed 6 disputes on 9 accounts with Equifax. Each time, they have updated the accounts with inaccurate information.

These accounts were from the U.S. Department of Education. The accounts were paid in full through consolidation on XX/XX/XXXX of 2018. They are still reported as Currently in Collections through Equifax. I have contacted both the U.S. Department of Education and Equifax on several occasions, with the last contact taking place on XXXX. They refuse to correct the issue. The Department of Education asserts they do not report on closed accounts. Equifax states that The Department of Education is reporting the accounts each month as " in collections. '' The Department of Education states this is not true. Equifax refuses to investigate or correct. They state they are investigating, and then update the account to show currently in collections and change the " as of '' date to whatever date they investigated. I am a federal employee and CAN NOT have an account showing as in collections. I am trying to purchase a home and this is also preventing me from doing so, as it reduces my credit score each time it is updated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: SC

Complaint narrative:
This dispute is due to XXXX  and other credit bureaus such as Experian and XXXX  using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: AL

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 2021-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I had a Student Loan Discharged, by : Nelnet, in : XX/XX/2020, for almost {$74000.00} and I haven't received XXXX XXXX of it, in my Mailbox, here in : XXXX, CA Why is that?

Company response to consumer: Closed with explanation