vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: AZ

Complaint narrative:
Re : This is my third written request To Whom It May Concern, Why do you continue to violate my rights as a consumer? 
Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification.

I await your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Remove hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Contacted agency no information matched mine. XXXX stated it was attached to an address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient claims that " It is our position that your loans were qualified educational loans as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 ; therefore, the loans are not discharged in your bankruptcy filing ''. However, that statement is out of context because once a debtor proves to the court that if the debt is not discharged, it would would impose an undue hardship on the debtor and the debtor 's dependents I submitted all the documents required by the court to substantiate the hardship and a federal Judge ordered discharge of the debt. Navient was properly included in the bankruptcy petition and in the creditors matrix. Navient did not initiate an adversarial proceeding within the time frame required under the law to prevent the debts from being discharged.

The facts are very clear in this case : 1. Navient was included in the bankruptcy filing 2. Navient failed to initiate an adversarial proceeding as required under the law to prevent discharge 3. The undue hardship on the debtor and the debtor 's dependents test was met as determined by the court 4. Discharge was granted.

The Fair Debt Collection Practices Act forbids Navient from collecting on a debt that has been properly discharged by a court. Navient must act swiftly to remove these accounts from all applicable consumer reports. This is my formal notice to Navient to cease and desist from all collection efforts related to this account because in the United States, it is illegal to attempt to collect on a debt not owed. 

Lastly, Navient my XXXX 's request for documentation from Navient proving that the debt is valid, and that Navient has a right to collect on it. Additionally, Navient has failed to provide documentation showing the validity of the debt including original promissory notes with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
Experian is reporting XXXX medical accounts that dont belong to me it looks like these accounts were purchased by another collection agency and reinserted. These are not my accounts. I uploaded documents on Experian website and they stated online that the investigation was concluded. However, when looking at the results there saying there not available online please help. 

XXXX XXXXXXXX {$2000.00} XXXX XXXXXXXX {$840.00} XXXX ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You ha

ve knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: PA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: PA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: NJ

Complaint narrative:
please review my letters cause the last time i sent you your dispute you said you did not understand it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TX

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.

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 a 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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have bee a banking customer with Bank of America for XXXX years and during the course of those years there have been issues that I have disputed about overdraft fees and/or unauthorized transactions. In the more recent years their see became better and most issues were handled quickly or resolved.

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 monetary relief
Consumer complaint received 2023-07-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-07-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Experian Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
XXXX provided internet service that never worked correctly. After months of support calls due to the internet barely working or not at all, XXXX sent a technician out to review the installation and modem. 

They then replaced the modem and said they would not charge me for the months of internet service that did not work. Then after another month their internet network continued to have low quality of service or none at all. 

I was forced to move my studio since there were no other service providers available and XXXX 's lack of reliable internet service made it impossible to operate my business. 

Now XXXX has sent me to collections via Radius Global Solutions, LLC who is harassing me for payment of a service that I was promised credit for that never was received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CITIBANK, N.A.
State: OR

Complaint narrative:
In XXXX of XXXX a dispute was filed about a charge with XXXX in Washington State. That dispute was resolved in my favor and the money was returned to the card. 

In XXXX of XXXX the merchant charged the card again without authorization. I tried to resolve it after that. 

On XXXX XXXX, XXXX I filed a dispute with the credit card. I received a letter via mail dated XXXX XXXX that the dispute was recieved. 

Since then I have called several times for a status update. They said they have none but would by XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and was told they have " lost '' the information and can't find anything. I spoke to a supervisor who was talking like a robot programmed to keep repeating the same thing. She didn't seem trained correctly to be able to respond. The new case number is XXXX. 

I have a recording of the call. It can be provided if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was on bill pay to schedule a Motgage payment, for some reason it went to my previous mortgage company, that company was closed when the check was cashed. I called Chase to put stop payment on that, they told me they will try to find out whats going on and never received any respond from them since. Is there any way we can trace who and when this check got cashed? I also went to the Bank and they told me there is nothing they can do ; so am I just losing my {$5300.00}? As a XXXX XXXX, is there anything I can do at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2023 I received a email stating I had a new account with Chime. I had not signed up for an account. I assumed someone had mistakenly typed my email. On XX/XX/XXXX I received another email from Chime stating I should be on the lookout for a Debit card being sent to my old address. At that point I knew someone had to have fraudulently opened a checking account in my name if they had my previous address and my email. I contacted Chime and told them it was fraudulent and they shut down the account. They advised I file a claim here. I then checked my credit report and found no credit pulls by Chime, so that was very odd that a bank account could be open in my name without showing on my credit report. I also did not immediately see anything erroneous, but there could be a delay in reporting. If a perpetrator is found, I would like to press charges. 
I have also filed a report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I disputed a charge with XXXX through Chase and I didn't get an acceptable resolution and my appeal was denied without explanation. I tried to speak to someone from dispute department on the phone but I was told that's impossible. My dispute was about a defective product that I tried to return but was denied due to an error in XXXX system. XXXX themselves told me through email support the only way to correct it would be to dispute the charge. The first time I disputed I was denied and Chase attached a letter with an answer from XXXX that only contained a printout of the order details and a single line about how it's ineligible for a return. I then appealed the dispute and attached my appeal document that contained a reply from XXXX email support telling me to dispute the charge and my complaint letters to FTC and Attorney General against XXXX. After 15 days I received a generic letter informing me that " the charges are valid '', no answer from XXXX was attached. The letter was saying " no billing error occurred on your account '', but that wasn't the reason for the dispute. It wasn't about a billing error, it was about a defective product. 
I'm not sure anyone from Chase dispute department even looked at the appeal document, it seems my dispute was closed automatically. Chase didn't answer my secure message when I asked them if the appeal document was received. 

Transaction date on XXXX : XX/XX/2023 Purchased item : XX/XX/XXXX Dispute reason : defective product, return denied Claim ID : XXXX Dispute submission date : XX/XX/2023 Amount : {$860.00}

Company response to consumer: Closed with explanation