vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report RESIDENT VERIFY XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I'm sorry if this is not the correct category, but I would like to file a complaint against Navient, as they will not work with my situation. Every month I pay my bill down and ask if there's a program that can help me lower my payments. Every time I've asked they quickly say no that they do not have any programs for me that can lower my monthly payments. 

I had late payments with Navient in the past, but have been working hard the last XXXX years on staying on track with my monthly bill and keep it current. I feel that I'm paying my loans off, but it's barely affecting my balance and by that time, my interest rates are adding on. 

Even with keeping my account current Navient refuses to help me, not even a little bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Payment made on XX/XX/28 of {$130.00} but wasn't enough to cover my pending order with XXXX XXXX. Called back and was told the {$500.00} payment that was going to be made with Synchrony Bank would not be applied for 10 days unless I increased my credit limit. I told him no thank you and he took my debit card information for the {$500.00} payment. As of yesterday, XXXX, the {$500.00} and possibly the {$130.00} payment has not been applied to my XXXX XXXX Account Credit Card and the order is still pending even though I have gone below my credit limit with these XXXX payments of {$130.00} and {$500.00}. Both of these transaction were made with my bank debit card and were taken out of my checking account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The debt is from XXXX XXXX apartments and looks as though is was purchased by a debt collector in which I didn't authorized or nor do this account belongs to me. XXXX XXXX XXXX XXXX has not provided me with any validation of debt or proof that this debt belongs by bearing a signature verifying that the debt truly belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I'm writing to seek clarification and express concern about recent changes to my TransUnion credit report. On XX/XX/XXXX, I submitted a complaint asking for information regarding three late XXXX loan payments from XXXX listed on my report, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I wanted to know when these reported late payments will age off of my credit report. I have not yet received a response, but today I received a notification from a credit tracking agency indicating that my TransUnion credit report had changed. 

Upon reviewing my credit report, I found that additional late payments from XXXX, related to my XXXX XXXX loans, had been added. This alteration resulted in a significant increase in derogatory marks on my report : now I have XXXX XXXX loans with XXXX late payments, totaling XXXX derogatory marks. This is causing great concern, as these additional marks will adversely impact my credit score and jeopardize my plans for the future, including purchasing a home. 

Can someone explain how and why these changes occurred without my knowledge, and why my request for information led to more derogatory entries? I urgently need clarification and a resolution to this issue, as it is affecting my financial and emotional well-being. 

Also, can somebody please let me know when these derogatory marks will age off naturally?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to address the recent decline of my application for a business credit card with Barclays Bank Delaware . It has come to my attention that your records indicate a previous credit card account with Barclays Bank Delaware that experienced charge-off, bankruptcy, severe delinquency, or other negative performance. 

I am deeply concerned by this information as I have never held an account with Barclays Bank Delaware, nor have I ever applied for a credit card from your institution. The account in question, reportedly from XXXX, is entirely unfamiliar to me, and I believe it to be the result of identity theft and fraud. 

To address this matter, I have taken proactive steps by filing an Identity Theft Complaint with the Federal Trade Commission ( FTC ). I have attached a copy of the complaint report for your reference. This report outlines the fraudulent nature of the account and the impact it has had on my credit history. 

I kindly request that Barclays Bank Delaware conducts a thorough investigation into this matter and takes immediate steps to clear my name of any association with the fraudulent account. Doing so will allow my credit card application to be processed and approved without further delay. 

I am willing to provide any additional documentation or information required to assist in resolving this issue promptly. Furthermore, I urge Barclays Bank Delaware to implement stringent security measures to prevent similar instances of identity theft and fraud in the future. 

I appreciate your attention to this matter and request timely communication regarding the outcome of your investigation and any actions taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXXXXXX XXXX Date of inquiry : XX/XX/year> Account name XXXX XXXX  Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A collection account is reporting open and with a past due balance and late payment. Per the us law a collection account can not be reporting as open or with a past due balance. When I attempt to dispute this with usc codes etc all XXXX XXXX does is right back its verified to be my account. They are not addressing the inaccurate reporting or changing it as they should by law I ALSO SPIKE TO XXXX WHO STATED ALL THEY DO IS CALL THE COMPNY ON THE REPORT AND ASK IF THEY HAVE AN ACCOUNT WITH MY NAME THAT IS ALLTHE VERIFICATION THEY DO. I HAVEREQUESTED ALL VALIDATION FROMTH3COLLECTION COMPANY ANDTHEY NEVER SENT IT TO ME EITHER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A collection account is reporting open and with a past due balance and late payment. Per the us law a collection account can not be reporting as open or with a past due balance. When I attempt to dispute this with usc codes etc all XXXX XXXX does is right back its verified to be my account. They are not addressing the inaccurate reporting or changing it as they should by law I ALSO SPIKE TO XXXX WHO STATED ALL THEY DO IS CALL THE COMPNY ON THE REPORT AND ASK IF THEY HAVE AN ACCOUNT WITH MY NAME THAT IS ALLTHE VERIFICATION THEY DO. I HAVEREQUESTED ALL VALIDATION FROMTH3COLLECTION COMPANY ANDTHEY NEVER SENT IT TO ME EITHER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX/XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX XXXX reported that Chase JPMCB reported that I paid off an account in settlement for less than full balance. That never happened. I called Chase and they said that the account was closed with a XXXX balance and they do not show that I paid in settlement, which was the truth, but the credit bureau says that Chase is reporting to them that it was paid in settlement which did not happen. Chase tells me on the phone when I talk to their credit reporting department ( 3 times, every XXXX weeks ) that they, Chase, are not reporting it that way and that it is XXXX 's error, not their error. XXXX says it is done automatically and although I have disputed it XXXX times through the XXXX automatic system that Chase reports back the same error. This account was never in default or paid late and it was normally closed after the balance had been paid. There is no documentation that anyone has to show other than I paid it in full every month then closed the account ending in XXXX on XX/XX/XXXX with a XXXX balance. I have this in writing from Chase dated XX/XX/XXXX. The credit bureau refused to accept the letter I send them and Chase refuses to send them an elevated letter claiming I did not pay this in settlement and that it was closed with a XXXX balance and NO SETTLEMENT was involved EVER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit 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: CA

Complaint narrative:
I purchased a piece of framed art through an online website XXXX  on XX/XX/XXXX and it was supposed to be delivered between XXXX with my Chase/Amazon Visa Card . On XX/XX/XXXX I reached out to XXXX to request tracking information because it had not yet been delivered. They responded with tracking information that indicated it had been delivered on XX/XX/XXXX and was " left at Dock ''. I reached out to the shipper and they indicated that the package was not deilvered to the XXXX XXXX address provided to the seller but it was delivered to XXXX XXXX XXXX XXXX. There is also no dock at this address and no signature or name of who it was delivered to was provided. The XXXX indicated I should reach out to the seller to intiate an investigation. Also on XX/XX/XXXX I sent an email to the seller requesting they start an investigation as well as ship a replacement as soon as possible to an alternate address. On XX/XX/XXXX at noon I had recieved no response and sent a followup email to the seller to provide an update by midnight or I would proceed with disputing the charge. ON XX/XX/XXXX I recieved a response from the seller indicating that they were working with XXXX to have the package delivered. I had already proceeded with disputing the charge online. On XX/XX/XXXX I had not recieved any updates or futher communication and responded to the seller that I had already reordered the item from a different source and recieved it, and that I had disputed the charge, and I requested a full refund. On XXXX upon reviewing my credit card account online I notice that my card was recharged for this purchase on XX/XX/XXXX and back dated to the original purchase date. I called Chase to get an update on the dispute and was told that the seller provided documentation of delivery and that my dispute was denied by XXXX and there was nothing they could do. They also indicated they contacted me by Mail and by Phone about the dispute and did not recieve a response. I noticed a letter today on my online account indicating they found the charge valid because of the original proof of delivery from XXXX. Which when investigated as indicated above does not indicate the delivery address and indicates it was left at a Dock which does not existing either at the shipping address or the address that XXXX confirmed thier records show they tried to deliver it too. The tracking information for the package as of today indicates there is a claim in progress and to please contact the sender for more information.

Company response to consumer: Closed with explanation