vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I opened a business line of credit with Santander Bank for $ XXXX in XX/XX/2019. During the pandemic, they decided they wanted the loan paid in full. I never received this notification, but even if I did, I would not have been able to come up with all that money. My business was severely affected during the pandemic. I even contacted them during, to find out what programs they had available just in case I couldnt make payments. They automatically withdrew monthly payments & there was over $ XXXX from which they would take. I got a call from XXXX XXXX who was working out an extension, refinancing of the loan. Next thing I know, they had me in court & refused to accept any agreement for a repayment plan. They have been aggressive & unreasonable during the entire ordeal. They have now secured a judgment against my company which will permanently close my business. At no time did I say Im not repaying the loan. I just wanted a repayment plan & once I can get another loan I would pay the full. They asked me for financial information to determine a payment plan, but was never interested in that. They were bent on destroying my company. My company is the sole provider for my family & we will be severely impacted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: CA

Complaint narrative:
Car Max has a XXXX XXXX XXXX i offered on their website that I applied for an had on hold for a few days. It has come to my attention that Carmax has been submitting my information to lenders with out my permission. I have received emails from two different lenders denying me credit I have never applied for. I have received a notice from santander as well as XXXX XXXX XXXX who I have never heard of in my entire life. This is once again a violation of my fifth amendment rights. Carmax has committed identity theft and has used my private information for public use. This is a violation of the Takings Clause and I do not consent to Carmax using my personal information for their benefit. I would like the CFPB to investigate this matter with a fine tooth comb and provide me all the submissions that were submitted by Carnax. The information presented to the companies are totally wrong but my social security number was used and the registered fictious name was used as well. I alledge that Carmax is committing securities fraud against my Estate and should be punished to the highest extent of the law. The disregard for my rights are evident as a representative of carmax did not consult with or discuss any intent when using my information. Infact the car I was trying to buy was in Arizona but the reports of are coming from XXXX, CA. These are two different locations of the franchise. Carmax XXXX, CA is committing Securities fraud and the SEC, XXXX, And FTC should be called into investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
Equifax is displayed negative information in XXXX XXXX application. 
That's the reason my credit score is impacting and my profile is showing negative. So please report the post as soon as possible. 
I have already clear all the emis and also I got loans clearance certificate by XXXX finance. 
So that don't display this kinds of negative post any where. 

Please find the attached XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NC

Complaint narrative:
I have ask for proof of these accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, on more than XXXX accounts, where Ive mailed requests asking for proof and validation of these accounts, and all Ive received is a letter statement saying there verified without proof, this is a violation to my rights, and a violation to my fair credit report act rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an issue about the points accumulation for the most recent statement on chase card ending in XXXX. 

I tried to contact chase both via phone call and their internal message system to try to fix the issue, but I never got any reply. ( XXXX ) I am including the original message below, and the supporting doc I uploaded to Chase as well in the attachment. 


================================================================= i have a question about the points accumulation for the most recent statement. 

Even I have a reversal transaction ( XX/XX/2023, category as other for rewards earning purpose ) within this statement, I had more spending ( some with category as airline tkts, car rntls, rstrnts for rewards earning purpose ) which leads to a positive statement balance, and which should lead to a positive reward points accumulation on this statement. 

However, I got a Negative XXXX points on this statement. 

Please help to fix the issue, and I am including a detailed dollar amount and reward points calculation sheet for you to review. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I discovered that I was a victim of identity theft. After reviewing my XXXX account online, I noticed that there was an additional phone line added to my account that I had no knowledge of since XX/XX/XXXXXXXX  and an XXXX  that was purchased on my account from a different state. I was in communication with XXXX and advised them of the fraudulently activity being done. I was able to verify that my phone and email was hacked with spyware, which is how someone accessed my accounts. I've reported this issue with XXXX multiple times and several agents has even verified the fraudulent activity. Especially when someone was calling XXXX to add the unauthorized phone line back on my account once I had it removed, while i was on the call with a XXXX agent. After consistently trying to get my billing adjusted due to fraudulent activity being verified, XXXX has not accommodated my with any adjustments and billed my account for unauthorized charges and for a phone that was ordered at a XXXX  store outside of my state.. After not having the issue resolved, I switched phone carriers due to the lack of support from XXXX. Since I left XXXX, I have been billed for {$1400.00}, that has been sent to collections and reported adversely on my consumer report. I now have been receiving letters from an Attorney attempting to collect on the debt. I have been trying to reach out to get this matter resolved multiple times since XX/XX/XXXX. I have submitted my incident report from the police and an identity theft affidavit from the Federal Trade Commission multiple times at my local XXXX store. I'm repeatedly told the same thing each time, 'We will submit a ticket for investigation '. I have yet to get my money credited back from the unauthorized charges that I have been charged since XX/XX/XXXX and the debt from an XXXX that I never purchased or authorized on my account to be cleared and removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from EDFINANCIAL to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to EDFINANCIAL, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
LEXIS NEXIS AND OTHER REPORTING AGENCIES ARE BUYING AND SELLING INFORMATION EVEN IF ITS WRONG ON BEHALF OF THE AMERICAN PEOPLE. THEY STATED THAT I BELIEVE THAT FCRA AND FDCRP REFER TO THEM. I SIMPLY TOLD THEM THAT THEY ARE DOING IN INJUSTICE TO MYSELF AND THE PEOPLE, TRYING TO AVOID LAWS BOTH WORLDLY AND MORALLY AND MAKING MONEY OFF BUYING, SELLING AND REPORTING INFORMATION ON THE CITIZENS INCLUDING MYSELF. THEY COULDNT EVEN GET MY NAME RIGHT ON THIS REPORT THAT THEY COMPLIED SO WHY WOULD ANY BUSINESS WANT TO BUY ANY INFORMATION FROM THEM UNTIL THE INTENTION IS TO DESTROY THE PEOPLE. I TOLD THEM THIS IS IDENTITY THEFT AND FRAUD, BIG BUSINESS FEELS AS THOUGH THEY HAVE TO NOT FOLLOW WORLDLY AND MORAL LAWS AND PROTECT THE CITIZENS AGAINST INACCURATE INFORMATION, THEY FEEL LIKE THEY DONT HAVE TO VERIFY AN ACCOUNT, NAME, ADDRESS ETC WITH THE CITIZENS, THEY FEEL LIKE I DONT HAVE TO BE COMPENSATED FOR THE PAIN AND SUFFERING THIS FALSE INFORMATION AND REPORTING HAS CAUSED MY YOUNG FAMILY, THEY FEEL LIKE THEY DONT HAVE TO COMPENSATE THE PEOPLE WHEN THY ARE ILLEGALLY BUYING AND SELLING INFORMATION RATHER TRUE OR NOT AND PROFITING, THEY FEEL AS IF THEY ARE UNTOUCHABLE, BUT XXXX DONT BLESS NO MESS! THE TWO BANKRUPTCIES THAT ARE REPORTING ARE NOT MINE AND THEY KNOW IT BECAUSE RATHER PACER IS PUBLIC RECORD OR NOT THEY NEVER VERIFIED IT WITH THE SOURCE! IT HAS TO BE SOME TYPE OF MORALS AND STANDARDS WITH REGARDS TO PROTECTING THE AMERICAN PEOPLE ESPECIALLY XXXX PEOPLE WHO BUILT THIS COUNTRY YET WE ARE ATTACKED EVERY WHICH WAY. LEXIS NEXIS FEELS LIKE THEY ARE IN THE RIGHT, THEY ARE WRONG! SO WHO MAKES THEM FOLLOW LAWS AND PROTECT THE PEOPLE SINCE THEY ARE NOT GOING TO STOP ILLEGALLY WITHOUT PERMISSION COMPILING INFORMATION ON PEOPLE AND PROFITING OFF IT? 

THIS BEHAVIOR IS RECKLESS AND SHOULD BE DEEEMED IDENTITY THEFY AND FRAUD! PLEASE STOP ALLOWING THEM TO GIVE GENERIC RESPONSES AND ALLOWING THEM TO REMAIN RECKLESS TOWARDS ME AND CITIZENS. IF THEY WANT MONEY THEY NEED TO WORK HARD EVERYDAY LIKE THE REST OF US AND STOP GETTING PAID OFF THE SUFFERING OF THE PEOPLE! THEY SHOULD BE ASHAMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
A sibling of mine sent me XXXX $ for my rent from a VERIFIABLE bank. I was able to take out XXXX $ almost immediately and was unable to take out the remaining. After a couple days of not being to access my account, I went in the bank and was notified that my account is under review, but did not have any information back. 
The bank teller requested more information, 4 months later I hear nothing back. I go back to the branch and Im informed that my account has been closed and the money will not be returned to me. 

I still receive mail about my account balance. However have no access to it, even though it has Been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. CREDIT COLLECTION SERVICES Opened : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MD

Complaint narrative:
Hello, Ive been dealing with Discover since 2021. I lost my job and was a college student at that time so I had no time to work. I still dont have a job, I managed to get support to pay it off but they sent it to collections and put a negative on my credit. I begged them to remove it and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
I have sent multiple letters to Transunion to delete an account that is over 8 years old with XXXX XXXX. All the other bureaus have corrected this but Transunion has not. This account is outdated and needs to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/XXXX Item Disputed Account name - XXXX XXXX  Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off *6 years* ago Additional comments Transunion Every time I dispute this account w/any of the 3 credit bureaus my TransUnion score drops when XXXX updates the descriptors/history. XX/XX/XXXX dropped XXXX points. So I disputed it again that the history wasnt being reported correctly - then that dispute resulted this dropping my score another XXXX pts on XX/XX/XXXX, because they reported it as a new chargeoff again ( see attached supporting documentation its from the bureaus because The TransUnion website wont allow me to request my report, nor dispute ). This is for an account that was charged off 6 YEARS AGO! A *9 year old* account that was charged off *6 years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Theres even a 90-day late reported XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  ( see attached supporting documentation its from the bureaus because the TransUnion website wont allow me to request my report, nor dispute )! An account that was charged off in XX/XX/XXXX should not be reporting any new 30/60/90-day lates in XXXX. Nothing new should be reported after an account is charged off. This is an egregious Fair Credit Reporting Act violation. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations Ive been denied credit numerous times because of these violations! 
Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS 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 2023-08-31 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: CL Holdings LLC
State: AZ

Complaint narrative:
Submitted a dispute on XXXX XXXX XXXXXX/XX/ XXXX XXXX  saying I know Im not responsible under the House Joint Resolution 192 & 18 USC 8 for a balance of {$140.00} that Jefferson capital system is claiming I owe still refuses to remove it so now its identity theft USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH AMEX. I DO NOT HAVE A CONTRACT WITH AMEX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

Company response to consumer: Closed with explanation