vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XXXX of 2022, I received a flyer in the mail from Chase bank offering me up to {$600.00} to open up a checking and savings account with them and making a {$15000.00} deposit and setting up direct deposit with them. In early XXXX, I went online and opened up a checking and savings account with them. Over the next few weeks, I made deposits of over {$15000.00} and went to my employer and had them switch my direct deposit over to Chase. Everything seemed fine until I got a letter in the mail on XX/XX/XXXX stating that I would not be able to access my account and it will be closing soon. The next day I called the number in the letter and they said that Chase has decided to close my account. They gave no reason and they said once my account is closed, I will get a check in a few weeks for the balance in my account. Why send me a flyer in the mail that I then respond to and jump through all of the hoops and now I don't have access to over {$15000.00} of my money. I also have to go back to my employer and set up direct deposit with another bank. I feel mislead and they can't even tell me what I did. Chase also has a large chunk of my money and refuse to give me access to it. I feel like I got robbed from a bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
XXXX on total XXXX and have been this way since 1990 unable to work. XXXX XXXX said that I would not have to repay the XXXX loan for my daughters education. They lied about removing this from my credit report and I just want this to go away once and for all. My health has gotten worse since my daughter has attended that school ( they are out of business!!! scamming folks out of the careers they promised ). I wished my daughter never went there to better herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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.

XXXX XXXX XXXX**** 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. This XXXX, Capital One has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Dolan Gaddi Lending, Inc.
State: CA

Complaint narrative:
XXXX XXXX from DG FUNDING called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXXDOLAN GADDI is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: FL

Complaint narrative:
Is been a year since I send my first letter to Experian for them to delete addresses and names that appeared on my credit report and as of today XX/XX/2022, they have not deleted anything. I have also made several complaints here and CFPB is done nothing. Where else do I need to complain?

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 an 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 and 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 who 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 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 an 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 and 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 who 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.

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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, XXXX and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, Equifax or XXXX. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between Equifax and XXXX and the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. For the debt in the amount of {$780.00}, on my XXXX report the last date of activity has XX/XX/2022, but Equifax has XX/XX/2022. And again, the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, Equifax has XX/XX/2022 and XXXX has XX/XX/2022. For the payment history, XXXX is blank, Equifax is reporting on time payments an XXXX is Blank. i have included all the letters i have mailed along with screenshots of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, Experian and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, XXXX or Experian. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between XXXX and Experian and the payment history reports collection/charge off on Experian, however on XXXX it is completely blank. For the debt in the amount of {$780.00}, on my Experian report the last date of activity has XX/XX/2022, but XXXX has XX/XX/2022. And again, the payment history reports collection/charge off on Experian, however on XXXX it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, XXXX has XX/XX/2022 and Experian has XX/XX/2022. For the payment history, XXXX is blank, XXXX is reporting on time payments an Experian is Blank. i have included all the letters i have mailed along with screenshots of my 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 2022-10-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XX/XX/2022, I traveled to XXXX to visit family. I used my Chase card to purchase my mom trip back with me to Florida. Well we decided to travel back to Florida earlier then our tickets we booked. So I called XXXX and they referred my backing to the online travel company XXXX for any ticket changes. They advised me that my ticket fare code allows me to change my ticket with a change fee plus any difference in cost. So I went to XXXX and sent request for pricing and ticket change. We'll XXXX decided to book me a other full fare ticket disregarding the ticket thay I already purchased. I sent them countless emails because you can't call them and they didn't respond. I filed a complaint with XXXX and they have not responded. So within my 60 day window I filed a complaint with Chase Bank. The said they investigated and that the merchant has proof you purchased the ticket. I tried to tell Chase. The purchase was not authorized. I originally paid over {$9.00} ] ] for the first ticket why would I pay an additional $ XXXX when XXXX told me it should have {$150.00} euro fee plus an additional $ XXXX euro in cost. Chase did not care and place rhe charge back on my account.

Company response to consumer: Closed with explanation