vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander consumer USA keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NJ

Complaint narrative:
I have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: NJ

Complaint narrative:
I have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.

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 2022-04-13 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: CA

Complaint narrative:
I opened an acct with Chase online- they then locked my acct, later closing it, stating that it was marked for fraud and I needed to bring XXXX forms of ID into branch to prove my identity. I brought the XXXX forms of ID into a branch. I was told that my check should be sent in the mail. I call the customer service line the same day later in the day to ask when it would be sent. 

They then tell me I need to bring XXXX forms of ID into a branch- to which I reply that I was at a branch earlier in the day and presented my forms of ID. They tell me they have no record of me having been in the branch that day. 

Last Monday ( XXXX ) I went into a branch and spoke with a banker who spoke with a customer service rep who advised I needed to present XXXX forms of ID to release the funds. I presented the forms of ID. They told me that was sufficient and that my check would come in the mail within XXXX business days. I asked if they could release my money in the bank that day as I was struggling for funds. They told me no, so I waited. 

This Monday ( XX/XX/XXXX ) rolls around and I notice my check still hasnt come. I call customer service to see whats going on and they advise me that my request was denied because I didnt provide proof of address ( they didnt ask me for it. ) I ask if I can email it as it is difficult for me to go into a branch as I do not drive and I also usually work during the hours the branches are open. They say I can not. 

The same day later in the day I go into a branch. The banker calls customer service and they advise I need to provide proof of address. I provide my power and water bill. They upload it and say I need to reach out to customer service to confirm receipt/decision within XXXX. Nothing is mentioned to me about any issues with the bill I provided. 

The next day ( today, XX/XX/XXXX ) I call customer service and they tell me that my request was denied because the bill was past due- this was not ever something that was mentioned was an issue when I was in the branch or the many times Ive spoken to customer service. I need my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX and I have for the past 6 months reached out to experian, XXXX, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # XXXX and still to this date I have had no traction in my disputes. Experian for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially Experian, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my Chase credit card XXXX XXXX XXXX XXXX about 2 months ago on a {$0.00} balance. Today suddenly I received a bill for {$270.00} with series of transactions that I did not authorize/ had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
I noticed in my XXXX XXXX that my XXXX XXXX dropped significantly. I found out that there was a collection on my report over $ XXXX from XXXX XXXX XXXX Louisiana, a XXXX XXXX office that I visited about a year ago. I never received a bill from the XXXX XXXX office and I never received a collection letter. From my XXXX account I learnt, that the collection agency in question is : DELINQUENT RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX I spoke to XXXX XXXX XXXX XXXX XXXX XXXXf Louisiana, a woman named XXXX XXXX, who admitted that they sent my medical bill 4 times to an old address from about XXXX  years ago and the letters never came back, so they were under the impression that I received the letters and did not respond. Then they sent the bill to collections. The XXXX office had my correct current address but medical billing did not update it. 
I filed a dispute with XXXX and the dispute returned the result that the collection was justified, which is clearly not the case. 
Could you please investigate, because I have the confession of a XXXX XXXX person that the mistake was on their end and the collection was not justified. 
Thank you very much. 
Best regards, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This company has been harassing me for quite some time now i have been receiving calls from many different numbers I had to change my telephone number. I was also put in a situation as to where I am unable to purchase a home and or put my sons through school this is becoming to be very frustrating for me to cope with on the day-to-day basics.

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 2022-04-13 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: TX

Complaint narrative:
I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TX

Complaint narrative:
I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident 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 2022-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions

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 2022-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My loans were sent to collections without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
We have a XXXX loan and a XXXX XXXX loan with XXXX different companies. My son has been paying on these loans since XXXX. The last XXXX years the interest was taken off, however, on all of our loans, We owe more now than when we started. What the heck is going on? We started out with Navient and XXXX. This year we were transferred to Aidvantage and XXXX. We never got a statement from anyone until this year. My son never stopped paying the entire time regardless of XXXX. How can we owe more now than when we started?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, transunion, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, Transunion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, XXXX, and equifax in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: AL

Complaint narrative:
in accordance with the fair credit reporting act 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 a account without my written instructions 15 U.S.C 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 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 2022-04-13 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days

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 2022-04-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: GA

Complaint narrative:
Round about XX/XX/2022 the company responded to a compliant I raised for serveral bankruptcy accounts that appear on my credit report. Even though the case is still open on the CFPB site I reviewed my Experian credit report portal and these items were verified and remains. I still did not get the a response on who verified this information and I have requested several times asking for details of the verification and these items still remain even though all of the public information are frozen. The documentation previously provided shows the dates and pubic resource of when these freezes were placed however the credit bureau stated that they could not used the documentation I provided

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and won't help me get it back or even let me withdraw my money. I don't know if this is a bug, because I suppose it should be. I work as a XXXX  on XXXX and I use paypal as the payment method I send my money to. Suddenly I found out that my money of about {$7000.00} is limited and I can't withdraw it, money I have worked for about 3 years. I hope you can really help me solve this problem I will leave my ID that is associated with Paypal in the documents section. This is the email associated with Paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days

Company response to consumer: Closed with explanation