vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I had a credit score around XXXX for over a year now until I recently submitted a dispute through Experian regarding what I believed to be the reason why the score was not XXXX, which was a false claim from XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. On XX/XX/XXXX I received a notification from Experian that my score decreased XXXX points. I suspected this to be an error ; or a result of actions of retaliation post my dispute either by Experian or the XXXX account. .I was not offered information in regard to the decision either. 

I called XXXX ( which was my XXXX Credit card ) they reported no issues on their end and agree to further investigate the issue as they said they never reported late payments to any of the credit bureaus. 
I called them again after 11 days of my initial call because the credit report dispute continued to show. 
dispute closed with the same information at Experian 's ends. XXXX informed that the issue was still under investigation and that I would get a response in 15 days. 
It has been more than 20 days and I have not received a response from the XXXX, but what is worst is the fact that my credit score continues to show issues associated to this credit card. 
Moreover, it seems that the Experian dispute team closes all of my disputes about this same issue with great frugality. They missed to share details of their investigation, just open date and closed date. It almost seems like a game at this point. me opening the dispute then 24 hours later " dispute results are ready, click here '' ..then I click to get no explanation whatsoever in regard to what sort of investigation they did on their ends. 
I am really disappointed about Experian, it seems all they care for is your money. If you want to boost your score enter your credit card. 
I am also very disappointed about XXXX ', I was a platinum card holder, had the card for decades, never had an issue. That is the treatment we deserve as customers? 

I appreciate your help.

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 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
Breaking the law reporting collections on my account and having no proof I owe the debit.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and XXXX reported that an open account was closed. My credit score was negatively affected by this false report and my score decreased by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I have been a attempting to close my Destiny Card ending in XXXX. I can not get a hold of a human at this company. There is no email address. No one answers the phone. They have a XXXX XXXX  for correspondence. It's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I XXXX XXXX notified entity J.P.MORGAN CHASE, On Matters of ACCOUNT # XXXX Ending. That the month of XXXXXXXX XXXX XXXX  Reported Late Should have not happened. 
Due to 15 US 1681s-2 ( a ) ( 1 ) ( F ) reporting information during Covid-19. As well as being affected by 18 U.S.C. 1344. As a victim. No reconsideration of remarks as well as reconciliation of account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was XXXX  in the Illinois XXXX  XXXX XXXX from XXXX through XXXX. During that time someone gained access to my debit card and charged over {$15000.00} worth of charges to my account. They updated the amount t to {$12000.00} almost immediately after receiving my claim for some reason. I sent a letter to NAVY FEDERAL CREDIT UNION in XXXX ( which they received XX/XX/2023 ) to explain that my account had been wrongfully accessed and I was in jail and needed it to be locked because of fraud. They locked my account on XX/XX/XXXX. When I exited jail on XXXX I called them and explained the situation. They had me submit my incarceration paperwork and all of my identity verifying information. Once I submitted everything they needed, They told me they have a XXXX liability policy and it was clearly fraud and that I needed to fill out paperwork to begin my fraud claim. I did that and submitted everything ( after many MANY attempts to get them to accept a fax ). They opened my claim on XX/XX/2023 and told me that I would receive a provisional credit anywhere from 2 hrs to 10 business days. I continued to call and check on the status of my claim and they kept changing the provisional credit dates. It went from the XXXX, to the XXXX and then to the XXXX. On the XXXX I called to find out why I was still not receiving my credit and they informed me that my claim was denied. Navy federal is known for not paying fraud claims but this is insane. I mean I was in XXXX. Theres absolutely no way that I couldve made these charges and a fraud claim couldnt be anymore clear cut than this. I need something to be done about this and have my money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 confidentially under 15 USC 1681 : Accounts : Portfolio Recovery Accounts : # XXXX & XXXX & XXXX Seller : XXXX  XXXXXXXX XXXX 
Comments : Consumer sent settlement letters, no response. 

XXXX XXXX Accounts : XXXX Seller : XXXX XXXX Comments : Duplicate accounts showing on credit report. 

Merchants Adjustment Service Account # Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX Account # XXXX Seller : XXXX XXXX XXXX Comments : XXXX XXXX XXXX has gone bankrupt and failed to fulfill original contract of providing new vehicle once current lease was paid at least {$10000.00}. XXXX purchased debt and has assumed loan servicer title XXXX  XXXX XXXX Account # XXXX Comments : Consumer sent settlement letters and has yet to receive response. Delinquency due to job loss.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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 confidentially under 15 USC 1681 : Accounts : XXXX XXXX Accounts : # XXXX & XXXX & XXXX Seller : XXXX XXXXXXXX XXXX 
Comments : Consumer  sent settlement letters, no response. 

XXXX XXXX Accounts : XXXX Seller : XXXX XXXX Comments : Duplicate accounts showing on credit report. 

XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX Account # XXXX Seller : XXXX XXXX XXXX Comments : XXXX XXXX XXXX  has gone XXXX and failed to fulfill original contract of providing new vehicle once current lease was paid at least XXXX XXXX purchased debt and has assumed loan servicer title XXXX XXXXXXXX XXXX Account # XXXX Comments : Consumer sent settlement letters and has yet to receive response. Delinquency due to job loss.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my formal complaint to EXPERIAN. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
While on XXXX, the company owner sent me a message and invited me to play some online games. I was told that that would be a fee and that I had to send it to their cash app. They kept sending random other peoples cash app and when the game was not Sent to me to install on my computer. I requested a refund because I didnt receive anything from them. I was making a purchase for a game and they did not provide the game. They did not deliver the software. After requesting my money back, the cash app user blocked me, I did not receive any goods or services from this purchase. I have screenshots of the whole conversation through XXXX messenger cash app is not willing to help me recover my funds, and neither is my bank. Nonetheless, if thats not recovered, cash app needs to shut that user down that user is impersonating a company and scamming a lot of other people Im sure of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is not my account. Please remove this fraudulent account from my credit report. Thank you!

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello I am following up on case XXXX. 
CHASE has not reimbursed me for the fraudulent check they accepted to pay and I have still not recovered my {$30000.00} All this is Chase fault, they paid the same check twice.

Basically, anyone who creates a company with the same name of a company already existing and gets hold of a check already filled and signed and deposit to his bank will get paid even if the check was already paid 4 montsh prior? How can we trust such the banking system and such an institution if they fail to protect against very simple fraud like this??

Chase claims they are pending the response of the other bank involved but that is not answer as they went ahead and paid the same check a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VT

Complaint narrative:
Recent credit report from XXXX showed that I have an item in collections for {$2500.00} with I.C. System, Inc. representing XXXX XXXX. With an address from Georgia. 
I have never lived in Georgia and I have never had a XXXX XXXX account. This is an error with my name associated with it. I contacted I.C. Systems and they said nothing they could do and it is as reported from XXXX XXXX. 
Filed dispute with XXXX which showed this error and they said it was correct and would remain until 2028. I said I have never had a past due debt in 40 years of credit card use and have always paid all by bills on 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