vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-01 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: FL

Complaint narrative:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization.

US SM BUS ADMIN ODA - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, Experian, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau : This letter is a complaint about a mistaken account close down and two suspended checks issue with Chase bank.I deposit two checks from my former employer on XX/XX/2022. After reviewing by Chase, they said that they can not verify if the check is valid and they decided to close my account on XX/XX/2022. I have contacted Chase from XX/XX/2022 until now about the verification of my check and trying to save my account from closing down. And I did the following to give my proof to Chase : 1. I have contacted Chase customer service stating that I have direct deposit from the same employer to the same checking account for over 1 year. And the maker name of the check is exactly the same as it shows on my direct deposit statement. I left the company on XXXX, XXXX  and they decided to give me my last salary through check and there is no reason to suspended it. 
2. I was told by the Chase customer service that I need document that proof I was working for the company and my employer should visit the branch with me to provide it. So I have contact my former employer and since the financial department of my former employer is located in XXXX XXXX  and I am located in XXXX XXXX, me and the payroll manager visited Chase branch at the same time on XX/XX/2022 but different location which is also a solution provided by Chase. The payroll manager provided the proof that I was an employer of the company which was what Chase ask for. 
3. After I provided what Chase said they need, Chase still closed my account on XX/XX/2022 with no email or phone call notice. And they did not give me any feedback about the document that I submitted before. After they closed my account, they kept the check money and never funded to me. And I have contacted my former employer, they never funded the money back to them either. 
4. On XX/XX/2022, I visited Chase branch with my former manger who is also located in XXXX XXXX trying to solve this check issue. After a long conversation with Chase, they said that there is nothing they can do about it. They do not want any proof from me and they can not fund me the money and they can not fund the money back to my former employer. 
I am dissatisfied with Chase because of my suspended checks and my account close-down.I have already attempted to resolve this problem by making lots of phone calls, providing document they asked and visiting the branch in person with my former employer. But Chase did not solve the problem and they didnt even give me any notice or reasons why it is still suspended. Whats worse, they refused to funded to money to me or to my former employer who is the check maker. I am very disappointed and it caused me a lot of troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022 I changed my credit card number on my Apple Card due to a subscription I no longer wanted. I contacted the merchant asking that the cancel my subscription. They refused. The only option i had was to change the number on my card, hoping that would stop the merchant from charging my card. XXXX, XXXX, XXXX, the merchant, The XXXX XXXX, charged my card without my authorization. After I requested in writing that I wanted my subscription canceled and they refused to cancel my subscription and continued to charge my card. That is fraud. 

I spoke to XXXX, and XXXX, supervisor, who gave me very incorrect information when I asked HOW my card was still charge after i changed my card number? They wrongfully told me that Mastercard will give a merchant your card number if the merchant asks for it. And that is the only way the merchant was still able to charge my card after getting a new card number. I said, Ive never heard anything like that. I called Mastercard and spoke to a rep by the name of XXXX. She told me that XXXX does not have access to our card numbers and they do not give out card numbers. Furthermore, Mastercard does not have the authorization to just give out your card number to ANYONE asking as that would definitely contribute to Identity Theft. 

I had to call several times about this serious issue but was made to feel as though it was not that big of a deal. Another rep, XXXX, assisted by cancelling my card which was a step higher than just changing the card number. She also had me to remove the card from my wallet and reattach the card. She said this will stop the merchant from charging my card in the future. 

Ive attached an email from the merchant/network owner that instructs subscribers to email her if we want to cancel our subscription any time. I also attached my email, telling her to cancel my subscription. I attached a screenshot from Mastercards website that directs consumers to IMMEDIATELY contact our bank if we believe we have experienced fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TX

Complaint narrative:
On XX/XX/2022 I wrote Equifax to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to errors on my credit report. Equifax sent me a letter back that the accounts where verified. According to the law they did not do a proper investigation which means the accounts have to deleted and at this point can't be modified. Violations include 15 USC 1681 section 602 A. State I have a 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 instructions. I have additional information or supporting documents that reveal how a proper investigation was supposed to be done by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, XXXX, and Transunion report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my Equifax, XXXX, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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:
The account Account # : XXXX XXXX is not my file nor am i responsible for it. I do not have any knowledge of this account nor do i own this account. I was never contacted about this account being reported. Delete this account because it is reporting in error.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hard inquiries : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-01 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
Can you clarify that your company complies with the Gramm Leach Bliley Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit 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
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy.

15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus Experian XXXX and XXXX ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.

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 2022-08-01 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:
Can you clarify that your company complies with the Gramm Leach Bliley Act?

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 2022-08-01 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:
Can you clarify that your company complies with the Gramm Leach Bliley Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
This is an Accord and Satisfaction Complaint On XX/XX/XXXX, Someone from Carrington Mortgage Services LLC ( CMS ) Contacted me regarding a previous discharged account ( # XXXX ) claiming that I owe a debt in the principal amount of {$79000.00} ; and an amount due on XX/XX/XXXX being {$980.00}. In violation of 15 USC 1692c of the fair debt collection practices act by harassing me regarding this debt. 

On XXXX, the attached Affidavit of Demand for Verification of Debt ; and Notice Of Cease and Desist addressed to CARRINGTON MORTGAGE SERVICES LLC. Attn : XXXX XXXX Chief Financial Officer ( or Successor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX & XXXX, XXXX, California XXXX was sent via Notary Certificate of Service and Return Receipt Requested # XXXX XXXX XXXX XXXX XXXX. 

Tender for this account by way of an negotiable instrument, ( postal money order # XXXX XXXX ) having a postage date of XX/XX/XXXX for full Satisfaction of all claims in accordance with the stipulated conditions set forth in UCC 3-311 has been executed. Which states, " the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of all claims ''. In support of the aforementioned, I submit the hereto attached Affidavit Of Tender of payment acknowledgement and discharge with Exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted 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 2022-08-01 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: TX

Complaint narrative:
My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much

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 2022-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Im seeking loan forgiveness since Navient has already forgiven XXXX XXXX dollars. But I was excluded because I reside in Texas and my attorney general didnt take up lawsuit against navient like 35 other states did.. Aside from living in Texas that makes me ineligible for forgiveness, I do however meet criterias for loan forgiveness in many other ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went to XXXX XXXX XXXX XXXX to finance a car, they told me since I did the application online they were not going to run my credit report again. And about 5 minutes later my credit report was ran about 13 more times. 

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