vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase debit card was compromised and the thief spent thousands on my account. I disputed these charges and closed the card. Company replaced the card and 1-week later has closed my account and stolen the funds in the account. Chase has not stolen over {$4000.00} from me. {$4000.00} which came from my wife and my employers as part of our direct deposits. They have closed my account WHILE their investigation is pending. I now have no way to pay my bills and I am discussing this matter with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

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 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have talked to them on the phone regarding the car loan multiple times. They have called me multiple times a day. They call almost every single day. I blocked their number due to the constant calling. They have also called me 9 times in a matter of five days. If this continues, I will have no choice but to seek legal counsel. Considering they already have a lawsuit against them for similar issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
last year in XXXX i submitted my identity theft affidavit to all 3 bureaus but they all ignored me.

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 2024-03-19 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: AZ

Complaint narrative:
last year in XXXX i submitted my identity theft affidavit to all 3 bureaus but they all ignored me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: MA

Complaint narrative:
I am writing to express my profound disappointment regarding the unresolved status of my filed complaint concerning the account referenced in my previous correspondence. Despite my efforts to rectify the inaccuracies on my credit report, I have yet to receive a satisfactory resolution.

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 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I went to the LA location, which closed down shortly after I graduated. This school has been found guilty of fraud in the XXXX XXXX  XXXX case and my federal loans will be forgiven due to their recruiting tactics, promises of job placement, etc. I graduated right before the recession of XXXX and was never given any follow ups or assistance with finding a job or help with my student loans. Ive tried to file forbearances on my private loans to no avail, as they arent allowed. The interest on these loans is so great that Ive now paid over the original amount of my loan 3 fold. Ive requested for them to provide totals and they only list out the payments Ive made indvidually, with no total at the bottom line. I was also unaware that my public loans would be commercially held, therefore XXXX no longer able to get reimbursed like some of the others will in the settlement. I was never informed why I needed public and private loans either. Ive been paying this loan since XXXX and Id love to see the remaining balance wiped off and my credit restored. In XXXX, I filed for bankruptcy due to the total amount of my student loan debt with compounding interest. In my opinion, I couldnt keep those plus the credit card debt I had racked up from trying to survive during the recession, so I filed. Id do anything to eliminate my student loans. And being reimbursed for an education that was subpar from the community college I had attended prior would be ideal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Im a class action member of XXXXet vs CXXXX where my federal loans were forgiven from Borrowers defense. The loans were forgiven based upon the amount of evidence against the XXXX XXXX  XXXX practices, documented complaints, history of fraud and sales tactics. Due to this, my Navient Private Loans from XXXX should be forgiven as well. 

Navient has also violated many collection practices such as threats, intimidation, calling family members, my family members places of work. They have yelled at me ( made me cry years ago ). They have put me in forbearance many times without explaining the scope of what they were doing. They made income based repayments very difficult, and nearly impossible. Ive been given incorrect information. Theyve called my family members and yelled at them, intimidated and harassed in places of work. Ive been paying on my loans since 2012 and due to the terms, have barely made any progress on repayment. Their practices have been very deceptive and illegal. 

Combine that with the fraud of the XXXX XXXX XXXX and Navients criminal history of FCC and CFPB violations my private loans should be discharged and refunded. Theyve made it also impossible to remove a co-signer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a voicemail and subsequent email from Discover Credit asking for information regarding the verification of personal information. This is the last time they attempted to reach out to me via phone call. The next and last time Discover reached out to me was on XX/XX/XXXX via email notification that I needed to update this information. Please note, my email unfortunately didn't flag either of these 2 specific emails and any other emails from Discover did not make a mention of this. Additionally, Discover Credit failed to send a notice to their secure message center nor was there a notification from the banking app itself. 

I only found out about this on XX/XX/XXXX when I attempted to purchase with my credit card, I do not use this card too often in an attempt to limit credit debt. After calling a branch manager, I was notified of the situation and told that the last day to remedy was XX/XX/XXXX. I was suggested to voluntarily close the account before they did to minimize the impact on my credit score. Discover did not attempt to notify me whatsoever in XXXX regarding this. 

I worry about the immediate consequences of Discover closing my oldest credit card which I've maintained since 2016. There has never been a past instance of this in the past, where something like this has come up. This credit account is currently in good standing with a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, Equifax I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Complain is about Newrez acct. # XXXX On XXXX XXXX XXXX I sent a payment of XXXX to offset the shortage on the escrow balance due to an increase on the homeowners insurance premium. Once I advised a costumer service representative, they told me it was notated on the account, and that I was going to se my monthly payment for the month of XXXX updated to XXXX. But when I accessed my account on XX/XX/XXXX to make the payment for XXXX, the amount was not updated, reflecting a higher monthly payment. So I called customer service, and the collected the XXXX, which was supposed to be the updated amount assuring me that with the notation on the account, everything would update within a week. When I check the account today, XX/XX/XXXX, nothing was updated, except for a late charge imposed on the account for not making the outdated payment posted on the account. So I called, and the customer service told me I was in default due to not making a complete payment. I explained the situation for the third time, and whet the customer service rep checked she told me that no notations have been made and that the escrow analysis I was told was made in XXXX, was not made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Ever since I signed up with Venmo, my account has had problems. My account was frozen for no reason and I had to submit documents to unfreeze the account. I am unable to add any payment accounts to my Venmo account. I have been trying to add a credit card but it won't work. When I reached out to customer service, they said they'd get back to me but they never did so I had to request help again. Now they are asking me to submit the same documents I already submitted in addition to my bank account information. They asked me to send them a copy of my bank account statement. I never tried to add a bank account and I'm not sure why they're asking for this information. I just want my Venmo account to work!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Chiropractor made discriminatory comments pertaining to race and XXXX orientation. Provider also sold leaking water to a me a while I was a XXXX XXXX REPRESENTED BY AN ATTORNEY that caused me to have a very XXXX XXXXl causing more pain. I terminated him because of these reasons. XXXX XXXX retaliated and sent me to Collections.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am being taken advantage as a consumer and being ignored. My credit report is being affected by this inaccurate information that is being reported in violation of the FCRA.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX student loan open an account but it's not mine, I requested information and they didn't have any information for me. Equifax and XXXX are validating this fraudulent account for some reason while the other credit beaurals are accurate. I need help with this fraudulent account so it can get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of incorrect entries from my credit report. Can you please examine the documents? Some of the listed accounts are inaccurate in terms of their 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 2024-03-19 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-03-19 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Reported Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX XXXX XXXX {$2100.00} XXXX  XXXX - opened XX/XX/XXXX, {$590.00} Collections : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$1.00}, XXXX XXXX XXXX XXXX - opened XX/XX/XXXX - {$800.00} XXXX XXXX Bankruptcy - Discharged-XXXX  XXXX, XXXX. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation