vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed

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 2022-09-12 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: GA

Complaint narrative:
this was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed

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 2022-09-12 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: TN

Complaint narrative:
I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need help

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 2022-09-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Was approved or told I had excellent chances of receiving a credit card thru credit karma to end up being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card increase and was denied. When I received an explanation in the mail it said I had many accounts derogatory. But I did not owe anyone any money. Then On XX/XX/XXXX while at a family get together I mentioned what had happened to me and said it was bothering me. I was told to get a copy of my credit reports. And XXXX XXXX, a former girlfriend of my previous tenant/housemate who was at the party told me that it may have been him who used my information to get credit. Once I looked at my credit report I saw my report was trashed. XXXX of the ACCOUNTS THAT I NEVER APPLIED FOR AND NEVER USED WAS CAPITAL ONE ACCT # XXXX. Date XXXX began : XX/XX/XXXX. DATE I DISCOVERED XX/XX/XXXX. TOTAL FRAUDULENT AMOUNT {$4600.00}. 

However, it gets worse! Capital One acting as a debt collector " NOTIFIED '' me of this debt at an address where I never lived : XXXX XXXX XXXX XXXX XXXX CA XXXX. 
They mailed a letter " NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' on XX/XX/XXXX to a place I did not live. I had NO CLUE I was being sued. 

On XXXX XXXX XXXX and XXXX who filed a lawsuit against me for this fraudulent debt, signed the reason for filing the complaint in XXXX XXXX XXXX was because the DEFENDANT RESIDES IN THIS JUDICIAL DISTRICT. THE ADDRESS OF DEFENDANT IS : XXXX XXXX XXXX XXXX XXXX CA however, my address WAS NEVER XXXX XXXX XXXX XXXX XXXX CA and was used to commit fraud by using my information to obtain credit cards under my name. 

MY ADDRESS HAS BEEN XXXX XXXX PLACE XXXX CA XXXX. 

On XX/XX/XXXX a DECLARATION OF NON SERVICE was filled with the court by the processes server. It stated that they attempted to serve me on XX/XX/XXXX at XXXX pm at XXXX XXXX XXXX XXXX XXXX CA but were not able to and even stated " NEIGHBOR DID NOT KNOW SUBJECT. '' The registered process server was XXXX XXXX and worked for XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Made payment on XX/XX/2022 REGIONS ACCT PMT ACH debit - {$50.00} The complaint is that I was reported late to the bureau for an annual fee. I never received notice that the fee was due. You also had an incorrect address stating an apartment number when I live in a house. When I saw the balance reflect on my credit report for my line of credit, I immediately contacted you to make a payment. I have 100 % on time payment and feel this was unfairly reported as I was not notified. I don't have online access as the representative I spoke to advised if you don't have a bank account, you cant be granted online access for line of credit. I ask you please remove this negative delinquent payment from my credit. As you can see I have never even carried a balance on the line and am very responsible with my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
Original complaint XXXX, He bought up my entire past to justify what they are putting me trough to discredit me ... ..But now they are adding late charges when I pay the mtg automatically on the % th of the month. The latest date to pay is the XXXX which is noted on their own correspondences... .This is harassment. I have a XXXX XXXX, and XXXX at XXXX of age come XX/XX/XXXX... XXXX.I can not take much excitement ... He never answers the phone..He only calls when I complained ... ..What they are doing is stealing XXXX dollars a month and that adds up ... .I live on Social Security ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent documents to all 3 credit bureaus that were notarized demand letters, and they did not comply with the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
I have sent documents to all 3 credit bureaus that were notarized demand letters, and they did not comply with the letters

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 2022-09-12 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 have had a banking relationship with Chase for many years. I wrote a check to XXXX XXXX from my Chase account for {$150.00}. The check was cashed by XXXX XXXX XXXX  for an XXXX XXXX. I do not have a banking relationship with XXXX XXXX and neither I or XXXX XXXX knows anyone named XXXX XXXX. 

I have gone back and forth with Chase Bank for nearly 5 months to reimbuse me for the {$150.00} that was not disbused in accordance with my instructions. After 12 phone calls, including speaking to a manager twice, I have not been reimbused. 

Chase indicates that they are still waiting to hear back from XXXX XXXX. As I noted, I do not have a relationship with XXXX XXXX but apparently Chase does. I do not think I should have to wait over 5 months for reimbusement while Chase settles it with XXXX XXXX. The check was made to XXXX XXXX and per my account agreement with Chase that is who should have been paid. If they entrusted XXXX XXXX then they should deal with XXXX XXXX for remedy but as their customer ( chase ) I should be immediately reimbused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: VA

Complaint narrative:
Hi, this is regarding my request for refund on all my XXXX loan payments made during the payment freeze from XX/XX/2020 till present, total of {$6000.00} at EdFinancial. I have called customer service line multiple times asking the estimated time for refund to be issued and total loan balance to be reinstated in order for me to apply for forgiveness in a few weeks. No one had offered me an estimated timeline and stated that they did not know how long this would take. Whereas other student loan servicers such as XXXX and XXXX XXXX who offer refund to be expected in 4-6 weeks from sending in refund request. This can be very confusing and misleading for me, which can cause significant financial loss if my total loan balance is not updated before I have to apply for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please update or correct this account. 16. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 17. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  19. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2022-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX  DELTED IT BACK AND XX/XX/2022 XXXX NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 XXXX NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
XXXX XXXX FROM XXXX XXXX XXXX XXXX PHONE # XXXX SAYS THAT I HAVE A HUGE BALANCE WITH SEARS FROM 2013 AND THEY ARE SERVING ME PAPERS TODAY AND IF I DON'T GO TO COURT, THEN I WILL GO TO JAIL. HE WANTED TO KNOW WHERE I WORK AND MANY MORE DETAILS. 

I PAID MY SEARS CARD OFF MANY YEARS AGO AND DIDN'T HAVE ANY BALANCE AND DEFINITELY NOT A LARGE ONE CAUSE I NEVER CHARGED MUCH. 

HE KNEW MY NAME, BIRTH DATE, EMAIL ADDRESS, AND PHONE # AND SAID THAT I OWE SEARS A LOT OF MONEY AND HAVE YOU SEEN YOUR CREDIT REPORT LATELY, IT'S HORRIBLE, THEN I KNEW HE WAS LYING, IT'S VERY GOOD, I CHECK MY REPORT WEEKLY. I HUNG UP ON HIM AND BLOCKED THE PHONE # XXXX I CALLED THE POLICE DEPARTMENT AND LET THEM KNOW AND THE OFFICER SAID TO CALL YOUR FAMILY AND FRIENDS BECAUSE THEY MAY TRY TO REACH OUT TO MY FAMILY TO GET MORE INFORMATION ON 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