vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NJ

Complaint narrative:
I started disputing fraudulent inquiries in XXXX of 2022 and neither of the bureaus are doing anything to assist me! They're not responding to the disputes or even removing the inquiries. These inquiries being on my credit report is holding me back from applying for credit and I don't like that I'm not getting anywhere with any of the bureaus! I have sent a dispute on XX/XX/XXXX and XX/XX/XXXX ; both times were through certified mail so I KNOW they got my letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a note from Chime claiming that they could not complete my application for a credit card. I informed them I had never applied for one and asked them to purge all information about me from their systems. They replied that they could close the account I never opened but that they would retain my information for regulatory purposes. 

Since I never have them this information in the first place, and have told them so, why are they retaining it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX account XXXX XXXX XXXX # 1982, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # XXXX has violated my rights. 

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

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 2022-10-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXX # XXXX, account XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
I have an old credit card account listed on XXXX as " APPLE CARD/GS BANK USA '' listed as " Open '' which is incorrect. The account was closed three to four months ago and I let XXXX know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

XXXX verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called XXXX dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The XXXX representative claims XXXX contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

XXXX is blatantly violating the FCRA by not investigating a dispute that has obvious merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I've made several phone calls, and filed several complaints with the CFPD disputing Inaccurate Names and Addresses on my Experian Credit Report with no success. I have provided documents mailed to me by Experian and creditors with my current address and correct legal 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 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
My loan were with federal loans. I submitted pw to them in XXXX or XXXX to see how many payments would qualify under the temporary forgiveness program that ends XX/XX/XXXX. Every month contacted and monitored progress. Still in XXXX many of my payments were saying waiting employment verification. I have been with the same employer for XXXX years. So it makes no sense. I emailed them and never heard from anyone. I XXXX XXXX them and nothing happened. All of sudden in XXXX they send letter that my loans are getting transferred to mohela. They just got transferred two weeks ago and I resubmitted my forgivenness form because it showed that I didnt have one on file when I did have one on file. I have waited forever on phone to speak to rep to no avail. Yesterday my forgiveness payments were loaded and still says that many are not eligible or waiting on employer verification. I would appreciate some one helping me to solve this problem. I will need to restart payments in XXXX but i do not think I need to. I do not want this to affect my credit if I dont pay. Please help. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 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 an account without my written consent.

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 2022-10-20 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX - XXXX someone took all the money off my card {$1400.00}. I do not know who did this to me. I contacted my bank to resolve this issue. However, my bank has failed to properly handle my claim. Someone working at the bank added inaccurate notes to my account stating I asked for my claim to be closed. I called every day, begging my bank to help me recover my money. They have failed to properly investigate this matter. I spoke with serval different people who promised me my money would come in XXXX business days. No one from my bank ever contact me to get more information, and I did not receive any alerts from my bank when this was happening to my account. They closed my claim and lied about my account which is very concerning to me. I am not sure if they had something to do with stealing my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: GA

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, has violated my rights. 

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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I posted an item for sale on XXXX XXXX for {$200.00}. A user responded to be on XXXX  that he would come pick up the item and send me the amount via XXXX. After the user mentioned he sent the money, I got an email from XXXX that said the amount could not be credited to my account because my account was not a business account. In order to receive the money, the buyer would need to send over an additional {$500.00} to upgrade my account and the buyer confirmed that once doing so, I could immediately send back the {$500.00}. He provided his XXXX information and asked that I sent back the {$500.00} and an email from XXXX indicated once I provided proof of payment through XXXX the total sum would be deposited in my account. I sent the {$500.00} to the buyer and then immediately contacted my bank, Chase, and reported this as a scam. I filed a formal dispute since I did not authorize this payment to this user. Chase indicated that with platforms like XXXX they do not have authority to issue a refund or stop payment since it goes out instantly. I have blocked this user and would like assistance in getting the {$500.00} back that I sent to this person in error after following the instructions I received from a XXXX email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, Original Creditor ( XXXX XXXX XXXX XXXX ). 15 U.S CODE 1681 section 602 A. States I have the right to privacy. 15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission This collection dose n't belong to me and it is only reported on Equifax as the other 2 bureaus have already removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have not been able to get any information for this account for my credit item. It keeps reporting that i have two items for this credit item, but I only had one 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 2022-10-20 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: NY

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. They violated my rights numerous times. 

I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NJ

Complaint narrative:
I started disputing fraudulent inquiries in XXXX of 2022 and neither of the bureaus are doing anything to assist me! They're not responding to the disputes or even removing the inquiries. These inquiries being on my credit report is holding me back from applying for credit and I don't like that I'm not getting anywhere with any of the bureaus! I have sent a dispute on XX/XX/XXXX and XX/XX/XXXX ; both times were through certified mail so I KNOW they got my letters!

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i was pursued by fraud posing as XXXX from my XXXX offering me a job. i was told i got the job and received funds to buy supplies i would need for the XXXX XXXXXXXX XXXXXXXX XXXX. i was provided with ( false ) checks of amounts, {$2200.00} & {$2500.00} which i deposited into my bank ( Chase bank ) and my bank showed as if the money was deposited into my account within a day or two. trusting that i had already received the money, as my bank account had shown, i XXXX  the money received to " vendor '' provided from " boss '' to receive my supplies. after i had already sent the money, a few days later, my bank account shows " hold on funds : altered check '' i went to go ask my bank what had happened and they explained that what happened to me was a fraud and the check was false so the corresponding bank never released the funds. i asked why the funds had been shown as available and as part of my account if it hadn't been released and the bank employee just said that is what the bank does, it shows you that the fund is available although it is still being processed and that it isn't there fault but i believe it is entirely their fault because i only trusted that the money was already available to me so i went forth with my transactions. not only did they say they couldn't get my money back to me but they said they would close my account with the term that i was trying to commit fraud by trying to deposit fraudulent checks. how am i supposed to know that the funds that show available in my account are not actually available, i demand my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Dear XXXX Im in receipt of your text message sent to me today at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
ON XXXX XXXX I sold my boat to XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX. He paid {$9900.00}. by wire transfer from XXXX XXXX to my bank TD Bank. On XX/XX/XXXX TD Bank debited or reversed the wire transfer to my account {$9900.00} indicating XXXX never received the boat. TD Bank Seized over {$160000.00} in this process and has yet to return my {$9900.00}. I have been trying to get my money back for a week now and TD Bank is holding it. My phone number is XXXX my name is XXXX TD Bank Investigator XXXX XXXX XXXX is responsible for reversing the {$9900.00} electronic transfer from XXXX XXXX to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account XXXX : XXXX Update the payment status to paid as agreed 2. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account Number : XXXX Update the payment status to paid as XXXX TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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