vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: SLM CORPORATION
State: CA

Complaint narrative:
I XXXX  the natural person continue to be a victim of fraud upon the XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX STUDENT LOANS, AND US DEPARTMENT OF EDUCATION/XXXX all have unauthorized the use of my personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record XXXX XXXX XXXX XXXX XXXX XXXX ), SALLIE MAE XXXX XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXXXXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX ( XXXX XXXX ), SALLIE MAE, XXXX XXXX XXXX, AND US DEPARTMENT OF EDUCATIONXXXX are accounts that have been opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. | 15 .U.S . Code 1681 ( a ) ( e ). My Fourth Amendment right has been infringed on. I am not secure in my papers and I have not had any rights to privacy regarding these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TX

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FAIR CREDIT REPORTING ACT ( FCRA ) of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy, 15 U.S. Code 1681b Permissible Purpose. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation pursuant to 15 U.S. Code 1681a. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). REMOVE ALL THESE INQUIRIES THAT ARE FRAUDULENT LISTED IN THE ATTACHED DOCUMENT.

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 2021-12-03 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX  XXXX XXXX I XXXX XXXX ( Original Creditor  : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was evicted, an appealed the eviction XXXX week prior to going to court XXXX XXXX XXXX filed a motion for none suit, they also accepted about XXXX in texas rent relief payments although I had moved. When I asked for my deposit back I was told I had a balance for Breaking my lease an court cost an was told they were calling the police. I now have a balance on my credit I never seen before an also a warrant out for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Opened the account when I was in the US on vacation, with my passport that my International Cellphone. For two years I had no issues with the navigation of the account, via my online access. Suddenly Wells Fargo locked me out of my account, due to alleged " non-activity '' on the account. This was during 2020. 

I made contact with them at the call centre and explained that I'm not in the US, due to travel restrictions, and as this account was for when I travel to the US, there would be very little activity on the account. 

It was at this time that the bank started refusing to help me stating I do not have a US Cell Number. This was never disclosed to me when I opened the account, nor was this disclosed to me during the first two years of using the account, that a US Cell Number was mandatory to keep the account or have an active account. 

So, to try to get access to my account, then I got a US Number, at a financial expense to me, and I then tried to add that number to my account. Then the excuse from the bank was that it was not the " right '' type of US number. 

Trying to fix this for almost TWO years now, I finally asked them to close the account, transfer out the funds to my XXXX XXXX Banking account. 

They then again refused, stating that I need to send a closure form, and POST the document to them, from outside the US. 

This is just not possible at the moment, and any post that is moving around the world take up to three months to get to a US destination. Not today I got an Email dated XXXX - stating the account is now closed, but no funds have been transferred and I can not contact the bank. The Bank has now stolen my funds. 

All I needed was the account to be Close and the Funds transferred into my XXXX account.

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 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: HI

Complaint narrative:
XXXX ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt with a written signature. The company has only provided date of service on XX/XX/2020 with an outstanding bill of { {$440.00} }. This is not adequate proof that I owe this bill. Therefore I do not owe.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX MEDICAL Date Updated : XX/XX/2019 XXXX HOSPITAL Date Updated : XX/XX/2019

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 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The original debt is with property XXXX XXXX XXXXXXXX XXXX  realty living there 2 years I was never late. I moved out because I had a serious problem with the property manager XXXX XXXX with renewing lease the correct terms promised. 
She lied about my final bill after I moved out. I told the professional debt company and disputed the amount and I emailed the property manger again she did not respond and they put it on my credit a wrong amount of {$3500.00} I went above her and they resolved the amount which was {$1300.00} and they agreed to delete it from my credit report once paid that was the agreement. After several months being paid the {$1300.00} and calls and emails to the professional debt company they still have it on my credit they refuse to take it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
To Who it May Concern, I recently sent a dispute to Experian Credit Bureau to update my payment for XX/XX/2021 for my auto loan XXXX XXXX XXXX XXXX ) since it showed blank but was on time. I have always paid that account on time and asked them to update it. It is the oldest/best account on my credit report and I actually paid it off early. Experian deleted the entire account/ payment activity/ history off my credit report and my credit dropped XXXX points. I called them and spoke with someone and they mentioned they can see how i only wanted XX/XX/2021 payments status updated and had no explanation only to call the auto loan company. I called the auto loan company and they said they didnt do anything to delete my file that it should be good for at least 7 years and it was Experian who deleted it as you can see in the dispute results. They've done something similar when i opened up an account for tires at XXXX XXXX and wanted the payment information updated and they closed that account. I'm currently looking to buy a house and they really ruined my chance of getting a good rate. They said there is nothing they can do even though they are the ones who deleted the auto loan and wouldnt retract my information even though it's still available in the dispute results tab. They need to be held liable since in America we depend on our credit to live a decent life.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute to XXXX, TransUnion, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are 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 non-monetary relief
Consumer complaint received 2021-12-03 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
AES has not provided complete and accurate records of my loans to the US Department of Education after they failed to have me on the proper repayment plan when they knew I was pursuing XXXX. I've been paying on my loans for 15 years while having the same ( qualifying ) job the entire time. My loans should have been forgiven a long time ago. AES needs to provide my payment info, as well as info they received from the previous company who handled my loans, to the US Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: IN

Complaint narrative:
I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I also have the complaint ID XXXX for the same credit card. I am not sure what happened with my Chase credit card. As I said before, my credit card was charged the amount on XX/XX/XXXX by XXXX XXXX ( not pending ), from that time to now ( XX/XX/XXXX ), I never received the item I ordered on XX/XX/XXXX, although XXXX XXXX system appeared " delivery on XX/XX/XXXX ''. I contacted XXXX XXXX to cancel order and refund, but they refused. I have to contact Chase to dispute this charged on XX/XX/XXXX, I met the treatment from Chase like XXXX XXXX. Chase let me wait for XXXX week or more for their update. After a week, XX/XX/XXXX I contacted them to inquire the update, chase told me to call the no. on credit card to dispute. I complaint Chase customer service. Then somebody from chase called me and told me to wait 5-7 business day, so they should invest the case. Until now, Chase do not dispute this charge. That is not enough! Today, When I checked my credit journey through Chase online banking, the chase credit journey is market " powered by XXXX ''. I found my Chase credit card is " not available '' on credit journey report! My credit available is only from the other bank credit card! I never received any information about this from Chase. I have a good credit score, I never have " late payment '' history. I do not know what happened with my Chase credit card, why my credit card 's credit is " not available '' at credit journey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Owed : {$440.00} XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/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 2021-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation