vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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: NV

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
I called the credit reporting agencies letting them know the inquiries are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
unauthorized inquiries on consumer report as well as collections holding me back from my future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
unauthorized inquiries on consumer report as well as collections holding me back from my future

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 2023-08-03 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: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.

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 2023-08-03 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: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received notification today that Synchrony Bank has lowered the credit line by XXXX dollars. I am not behind on the account and all payments have been received. I am due a 45 day notification.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a fraudulent account appearing on my credit reports 1. XXXX university {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a fraudulent account appearing on my credit reports 1. XXXX university {$2100.00}

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 2023-08-03 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: NJ

Complaint narrative:
This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX, & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to WAKEFIELD & ASSOCIATES , LLC who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, i am being judged before even getting an opportunity ; how injustice is this. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On Friday, XX/XX/28 I deposited a {$3200.00} treasury check via mobile deposit to my Capital One Checking account. Ive had this account for some time and make regular mobile deposits of my paper pay checks. This check was in my name deposited to my account. I also verified it on treasury.gov. 

A few hours later, Capital One locked my entire balance in both checking and savings. I called capital one and was told I needed to verify my identity and the reason for the check. I sent in all information they requested and was told an investigation would take 60-90 days and I wouldnt have access to my money until it was complete. Also that capital one would be ending banking relations. 

Today, XXXX I called again for an update and was told they check has cleared but I needed to send in a reason for the check as they couldnt verify it. I went on treasury.gov again and the check verified and was marked as paid. Capital one told me I would need proof of that from the treasury ( impossible ) and that I would need to provide that to the investigator before they could complete their investigation. 

I still have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX/XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed XXXX {$7100.00} XXXX XXXX XXXX BalanceOwed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( XXXX XXXX  XXXX  ) XXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: AR

Complaint narrative:
I contacted Experian stating that the law on medical debt has changed. XXXX XXXX XXXXXXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/XXXX XXXX  This did not occur. I sent a letter to Experian and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase. I have attached the letters and the dates that I mailed them for your reference.

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 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was trying to sell a couch through XXXX XXXX yesterday XX/XX/2033. A scammer pretended to be a buyer and said she would send money through XXXX but then we had to send money first to XXXX  to XXXX business. We received several emails from what appeared to be XXXX  on what to do. We sent {$320.00} to their XXXX  account and received instructions to send more money. Realized it was a scam and called bank ( chase ) who was unable to cancel transaction and we submitted a claim and they opened investigation. Investigation has been closed with no further action being taken. Also made report with XXXX but have been told money won't be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: MOHELA
State: CA

Complaint narrative:
I am an XXXX XXXX military who applied for a limited PSLF waiver in XXXX of XXXX. Mohela received my application and claimed there was a duplicate form on XX/XX/XXXX. They said it will be another 90 days to process. On XX/XX/XXXX, it was again " Canceled '' for no apparent reasons. I called Mohela multiple times including VIP Military Line and they weren't sure why my application was kept cancelling and assured me that it will be process in next 15-20 business days. This was on XX/XX/XXXX It is now XX/XX/XXXX, I am extremely disappointed by the lack of transparency from Mohela. They still have not resolved my issue nor transfer my loan from XXXX to start PSLF count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.

Complaint narrative:
My money was stolen XXXX XXXX XXXX I tought that I was trading using the XXXX XXXX  XXXX. I borrowed money and bought XXXX ( this was advised by the scammers ). After a few trades, they dissappeared leaving me broke and having great debts with the persons I borrowed the money from. Fast forward to two years later ... ( XX/XX/2023 ) I got contacted by someone ( XXXX XXXX ) from some trade control company. He told me that the stolen funds were seized and that Coinbase was cooperating to get the stolen funds back to the victims. There were off course hundreds of victims worldwide. 
Now Coinbase send me emails that the stolen funds are ready to be transferred back to my wallet ( coinbase wallet ) but before they will do that, I will have to top up my coinbase wallet with XXXX XXXX. Witch I don't have off course. So they want me to top up my account with them before they release the funds to me... This sounds like a scam. But I don't know what the regular procedure is in these cases. They say that I have to top up XXXX so that my bank won't think that this is a money laundring sceme... The only thing I can say is... XXXX!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation