vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
Equifax repeatedly does not investigate my disputes or review documentation submitted. They are in constant violation of all FCRA. They have manually reaged 4 accounts on my credit report and also manually changed the status of an account discharged in Bankruptcy to a CHARGE OFF and are listing derogatory payment information. This is my last attempt to resolve. I will be seeking counsel for damages as I am entitled to a fair and accurate credit report. Their false reporting has cost me much needed credit. 

The issues are as follows : XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax reaged to XX/XX/XXXX XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax reaged to XX/XX/XXXX XXXX XXXX XXXX # XXXX Date of Last Activity was XX/XX/XXXX - Equifax deleted dates still reporting negatively XXXX XXXX XXXX # XXXX - Reaged again by Equifax. Account is past 7 year statute XXXX Bank # XXXX was manually changed by Equifax to a CHARGEOFF with derogatory payment history reporting. All Dates of Activity are wrong. 

XXXX XXXX XXXX XXXX # XXXX - My monthly payment was changed from {$560.00} to {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Case ID XXXX XXXX Disputed amount : {$240.00} XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX reported : XX/XX/2022 I was approached in XXXX XXXXXXXX by a person XXXX XXXX who represented himself XXXX XXXX XXXX representative. He instructed me on how to purchase a computer I wanted on XXXX He instructed me to pay through PayPal friends and family. He scammed me and I never received the computer. Paypal won't help me because it was sent through friends and family. He instructed me to do so. I wasn't aware that it was against PayPals rules to purchase that way. I was scammed and PayPal won't reimburse me and my XXXX XXXX is using the same reason not to refund me. I do not know the merchant. He is not even in the XXXX. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These XXXX XXXX XXXX XXXX XXXX accounts are reporting inaccuracies. They have been disputed multiple times where I have requested documentation to verify accuracy. The creditor has not provided the requested documentation and TransUnion only responds with account has been verified which was not the request for the disputes. These 2 accounts have already been removed from XXXX and XXXX for reporting inaccurate information under code 15 US code 1679c but TransUnion has not followed suit. Both accounts are being reported as opened on the same day of XX/XX/2018 and closed only 4 months later on XX/XX/2018. I have not lived in Illinois or been in school in over 8 years. Please have these inaccurate accounts that are being reported deleted from my 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 non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was notified that I needed to submit documents to verify my identity to basically unlock my account. I went to the local chase branch supplied my ID my debit card and all the incorporation documents that I was provided from the third-party service that did the filing for my business. After submitting the documents I was told that the bank review team would either approve the account and keep it open or close it and mail me a check. Neither of these things happened. Instead I waited two weeks for a check to come once I noticed that the bank account was closed. As I was told I should expect a check in the mail. After waiting two weeks and no check was received I contacted chase business customer service by phone and was told that they were holding my funds due to an issue with verifying my address. This was never proactively told to me I had to call in for this information they held my funds for over a month now with no resolution other than to Open accounts or register the business with the current state I am in which would require additional funds out of pocket. My other bank accounts have gone in the negative and Chase is charging me nonsufficient fees regarding these accounts in my automatic payments which are at their own fault for not releasing my phones. They prevent me from operating my business efficiently and able to invest further to generate additional revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: LEXISNEXIS
State: NJ

Complaint narrative:
Lexis Nexis has written to me informing me that they are unable to authenticate my information and can not remove inaccurate reported XXXX. They have received all of my information and maintained it on file. ( Please see attachments ) On XX/XX/XXXX, I opted out of their data sharing of public facing records and on XX/XX/XXXX, I suppressed my information. On XX/XX/XXXX, I had a security freeze placed on my records and XX/XX/XXXX, I opted out again from Identity theft. The request were made prior to the bankrupcy reporting. The bankruptcy was reported to the agencies in XXXX of 2022. 

This Lexis Nexis as an organization has been sued for violating consumer rights and continuing to provide information that is inaccurate. They are not in compliance with the FCRA. Their inaccuracy in reporting a bankruptcy that never took place has damaged me and inhibited me from getting credit. I have written to them multiple times and opted out of their data sharing of my personal information with third party agencies. When you opt out, you are requesting to not have personal information sold to a third party, they continue to report this inaccurate information. 
The Bankruptcy Courts have informed me that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other THIRD PARTY PROVIDERS who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

Per Federal Credit Reporting ace, Section 609 ( a ) ( 1 ) ( a ), a corporation is required by federal las to verify through physical verification of original signed consumer documents, contracts or judgments all accounts and public information that you post on anyone 's credit report. 

My inquiry to the U.S. Bankruptcy Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I am demanding all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Thank you for your response concerning this issue and I apologize for my late response. 

In the response letter I received by mail on XX/XX/2022 it shows the date the application for account ending in XXXX was improved and opened as well as the date the account was closed. With all the information I have, the date this account was opened does not match with the information I received and can use it as evidence, the letter also does not say was the time this account was opened. 

The letter it also shows the date ( in XXXX ) the account was closed, however I am still receiving by mail monthly payments on a Credit Card that I never opened or made any withdrawl from but somehow being responsible for. 

I wish to have my name cleared and not receive any more mailed statements from this account and hope to resolve this issue without taking any legal action.

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 2022-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Loan start date : XX/XX/XXXX for {$10000.00}. Co-signed with grandparent who passed away in XXXX. 
Current loan amount : {$11000.00} - XXXX Payments made : - {$11000.00} I had a Sallie Mae private Sallie Mae loan in XXXX which was sold to Navient. I have been paying my loan consistently over the past 14 years. I believe because my school was a For-profit school in XXXX my account has slipped under the radar of the Navient issues. 

I still over more than the original amount of the loan. Multiple times calling Navient in XXXX they coerced me into putting my loan into Forbearance by paying a " Fee '' amount not explaining the issues with the interest or educating me on how this worked. They used " unfair and deceptive servicing practices '' and even asked me when I was " delinquent '' to pay certain amount to bring the account current. They also made me pay to put my account in forbearance when I was in school again. 

My co-singer who died in XXXX was never release from the account & her son was berated by Sallie Mae to pay, even though we called multiple times to et her removed. 

I have called Navient and they will not give me the call history and told me I need a lawyer to do so- this is my private info and should be accesible to me. I also asked for the " $ total amount of payments '' I've made and they do not have that data. They said would they would need to " manually calculate '' the total themselves and do not keep a record of your total payments. This is concerning as this means there is not total record of how much money I have paid over the past 14 years. 

I did the math and it looks like to me I have made over {$11000.00} in payments. Which would imply I should be almost done paying off this loan. 

Other issues include : - No official statements accessible from the website only " XXXX '' spreadsheets you can export. This conceals the true payment total and total of interest etc. It also conceals the real interest allocations and how payments are allocated for historical payment. Banks like XXXX etc have this on their site so you can easily understand. This is a dark pattern to confuse people from looking at their loan history. 
- They ask for your social security number over the phone and record these calls. This is a security issues and means my social security number is in stored in call recording I don't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: EQUIFAX, 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. 

Account # 's 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. 

15 U.S.C 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 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.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NC

Complaint narrative:
I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

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 explanation
Consumer complaint received 2022-11-17 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: NC

Complaint narrative:
I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

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 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: OK

Complaint narrative:
Oportun sent me an email saying due to my excellent repayment history I should refinance and get more money. I did. They said approved for XXXX. Then they asked for documents,3 times. Each time they said it was a new loan request, that is a lie, I applied once. Their awful system makes you go through the steps to upload each time. On XXXX I applied, they calmed I applied XXXX, that is a lie. Then they said approved documents on the way. Then a XXXX said no we have to verify your identity, which they did. Back to approved. Then after 3 promises of paperwork coming at XXXX pm a woman, who was never involved said not approved because they could not verify my identity. That was a lie, again. They lie, deceive and take zero responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
Repeated and Harassing Robocalls from Portfolio Recovery. When I have attempted to answer and confront these harassing and unwarranted calls, no one is ever on the line. I have waited for a rep to come to the robocall, with no results. 

( See attached call records from my phone ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This collection is affecting my credit report, this collection has a amount of $ XXXXand this was opened around XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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: TX

Complaint narrative:
I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and wrong.

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 2022-11-17 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: TX

Complaint narrative:
I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and wrong.

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 2022-11-17 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: NY

Complaint narrative:
Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.

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 2022-11-17 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: PA

Complaint narrative:
there is a credit inquiry which I did not authorize and is not my responsibility. this is the information that does not correspond to me : Date : XXXX XXXX Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Request Originator

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TX

Complaint narrative:
I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TN

Complaint narrative:
I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, Experian and XXXX did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

Experian XXXX {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$440.00} XXXX XXXX  XXXX  {$12000.00} XXXX XXXX XXXXXXXX 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 2022-11-17 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/22 in the afternoon I got an email from PayPal of an invoice XXXX for a XXXX subscription. I called the number in the said invoice and I was answered by XXXX XXXX and he said that someone made a credit card under my name in Venmo. He made me go to a XXXXXXXX XXXX XXXXXXXX and I was putting my personal info there such as driver license, address, SSN and debit card info. I did not verify if he was PayPal staff helping me block unauthorized transactions against me. He made download an app XXXX  into my XXXX while we were doing this. He made sent sent some payments and he said it is to block the charges to my card. I have no service nor products needed from XXXX. 

At the end of our conversation, I locked my debit card and credit card as I began to realized that I have given my personal information to someone I did not know personally or trust. 

I then in the morning received a message from from my bank that a transaction from XXXX was made against my debit card and that it was denied. I realized that I was scammed. I canceled my debit card from my bank and also my credit card. I canceled PayPal account too. Venmo sent me a message that they froze my account due to questionable translation.

Company response to consumer: Closed with non-monetary relief