vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 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: AR

Complaint narrative:
I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX  ( tracking # XXXX ) Equifax received one of several dispute letters regarding fraudulent established accounts that are being reported on my Equifax credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Equifax as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Equifax received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Equifax credit report. I have stressed the negative financial impact to Equifax this has taken on my personal financial status, sent in supporting documentation, and yet Equifax still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Equifax as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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 have made several attempts to remove a fraudulent account from XXXX XXXX XXXX that was placed on my Equifax report. As a result I have filed a idenity theft report with the XXXX XXXX XXXX XXXX XXXX. Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there were inquires in my credit report that was not authorized by me. 

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX : 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 explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America charged me an {$8.00} fee for approximately 10 months for being under a balance threshold. 

They sent me a communication which likely explained this, but the communication was too complicated for me to understand. A simple communication along the lines of " you will be charged {$8.00} per month '' would have sufficed. 

There is a free account that I could have used, so I have received no benefit from this approximately {$80.00} charge.

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 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have asked Chase Bank on four separate occasions in the past year to disenroll me from " Chase Credit Journey '' and stop accessing my credit report. 
I am no longer a Chase customer as of XX/XX/2018, yet they keep accessing my credit report on a monthly basis in violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there were inquires in my credit report that was not authorized by me. 

XXXX XXXX Date XX/XX/2019 XXXX XXXX XXXX XXXX Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: WA

Complaint narrative:
This XXXX XXXX card opened last year for almost XXXX is being disputed as it is not mine however it says it is a XXXX card now.

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 2019-10-20 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: TX

Complaint narrative:
I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 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: CA

Complaint narrative:
Dear Experian After reviewing your response to my dispute letter of the account listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. Youve chosen to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department and FTC. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

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 2019-10-20 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-20 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: TX

Complaint narrative:
I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.

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 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were inquires in my credit report that was not authorized by me. 

XXXX  XXXX : Date :XX/XX/2019 XXXX XXXX XXXX XXXX XXXX : 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 2019-10-20 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: TX

Complaint narrative:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

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 2019-10-20 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: NY

Complaint narrative:
Hi - I recently disputed a transaction with Bank of America that turned out to be from them all along. It took a number of phone calls to even determine where the charge went exactly, and that's how I find out it was from Bank of America. They are sending me to other departments to try to get in touch with a department of BofA that they can't even verify ( apparently they will only talk to me? ). 

The amount was for {$3100.00} on XX/XX/2019. I was given a credit for that amount but it was reversed a few days ago ( XX/XX/2019 ) when the claim was closed. The only information about the claim was that the research team determined the payment was authorized, which I can confirm it was not.

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 2019-10-20 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: TX

Complaint narrative:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX   account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

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 2019-10-20 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: TX

Complaint narrative:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-20 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TX

Complaint narrative:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Since I graduated with my XXXX in 2013, I have had trouble financially being able to make payments towards my student loans. From being unemployed to having a job, living with more than 5 people in a single household, to now only having a job that makes me {$31000.00} a year before taxes. Navient never puts into account how much I make a month after taxes, and how much I have to pay in bills. I cant even afford to pay for my own health insurance, how can I afford to pay towards student loans. I now owe over $ 100k in student loans after all the interest stacked up. I dont think Ill ever be able to pay this off. My main complaint is that they dont provide support and when you go to make a payment on the due date, they charge you a late fee and then make you also pay for the next months balance. Im furious! How is my payment late if Im paying it on the due date? Thats preposterous! I absolutely refuse to pay for next months payment on top of this months payment. Im barely making ends meat and they have the nerve to try to force me to pay both this month and next months payment? They dont even give me the option to only make the payment for this month. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TX

Complaint narrative:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX  Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

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 2019-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
nelnet who is the servicer has reported the 120 days late on my credit file the information is incorrect for the reason i have made many attempts to get information on the account. the amount due has been satisfied and when i challenged the validity of the account in retaliation they slapped a 120 days late on my account is this a deliberate form of harassment and a attempt to destroy my credit worthiness that i have worked hard to establish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: TX

Complaint narrative:
I sent a dispute letter via certified mail to have the XXXX Account # XXXX {$360.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019 and a follow up letter was mailed after waiting 45 days. This account is still showing up on my credit report as of today 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 explanation
Consumer complaint received 2019-10-20 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: TX

Complaint narrative:
I sent a dispute letter via certified mail to have XXXX  XXXX XXXX Acct. # XXXX {$240.00} to be deleted from my credit report. Dispute letter was mailed XX/XX/2019. This account is still showing up on my credit report as of today 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 explanation
Consumer complaint received 2019-10-20 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:
Provided experian with proof that the first date of delinquency was 2 years prior to what the creditor/collection agency has listed as the charge off first date if delinquency. The creditor falsified the date and verified to experian their false date and despite the proof Experian failed to change the date siding with the creditor.

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