vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are 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 Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community XXXX Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF application and has listed only 1 of 119 qualifying payments. This is impossible. I have a credit score of XXXX. I would love some advocacy if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
I am interested in processing disputes for all inaccurate information on my credit report with transunion that is hindering my credit profile that is not 100 % accurate. please remove all invalid data listed in the files submitted asap.

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 2023-03-17 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: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
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 2023-03-17 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: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I bought a car in XXXX because of separation because my ex XXXX he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CA

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 XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have violated my rights 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 2023-03-17 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: CA

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 XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX, Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have violated my rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
There was an unauthorized transaction of money being sent to a XXXX XXXX in the amount of XXXX. I did not authorize the transaction and did not allow anyone to use my device to make the transaction either. I tried resolving it with Cash app twice but both were denied and when asked to be sent the supporting documents they used to come to that conclusion, my request went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Hello. I recently filed a fraud claim with my bank against cashapp in the amount of {$1400.00} on XX/XX/2023 and i had a new debit card rushed to me. The new debit card came in and i was going to go to the drive up chase branch near me, the only one near me. The branch doesnt have the option of going inside and talking to someone its just a drive up ATM in XXXX XXXX IL XXXX 

i tried using my digital wallet that i had linked through the mobile app and the transaction declined for possible fraud which i verified was me via the text it sent to my phone and tried again and it failed once more. 

I called Chase bank and verified my identitiy and was told my card was shut off and i needed a new one..after trying to have a new card issued, i was told by the rep on the phone told me that my account was restricted for a check deposit when ive never deposited a check into my chase checking account. Never. So i was lied to on the phone by customer support. i was using my debit card just fine before attempting to withdraw money out of my account at YOUR branch drive up ATM. 

I was told i had to step into a branch to verify a check but ive literally never deposited any check into my account before. Never had any issues with CHASE BANK before this whole situation happened today XX/XX/2023. All i tried to do was remove the funds given back to me from a fraud claim the previous day and now my entire account is restricted about some check i never even deposited into my account so im really lost here and this has been an awful banking experience, i dont recommend Chase to anyone if you dont wan na go through hoops just to get your money and use it how you want lol what a joke.

I've attached screenshots of my 2 bank statements as well. No mention of a check deposit anywhere in my checking account. SO WHY IS MY ACCOUNT RESTRICTED?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: AZ

Complaint narrative:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED 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 non-monetary relief
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
checking my credit report I am interested in processing disputes for all inaccurate information on my credit report with Equifax. my file is not 100 % accurate. review the mislead information an remove all data to correct my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HF Holdings
State: FL

Complaint narrative:
I hired XXXX XXXX and her business XXXX XXXX for a divorce she asked me what can I afford I told her I am a single mother of XXXX kids and money was tight she told me if I gave her {$2000.00} that she would file my petition for divorce and get me to my first court date in the divorce case, I gave her {$2000.00} I filled out the petition she filed it and that was it no court the respondant was never served the case did not go forward and she was hard to get ahold of I then reconciled with my husband and after several attempts via text voicemails and emalls she then responded I told her I wished to dismiss the case she said ok then ghosted me after over a month of her not file a simple motion to dismiss and I was never told I owed any money and never received a bill during these months I then filed my own motion to dismiss after noticing via the courts portal that the case was still pending I reached out to the judge assistant and she told me that XXXX had to file the motion or withdraw from the case so the judge can sign off on my motion to dismiss I filed on my own I then attempted once again contacted XXXX and was un successful I sent her a mall explain what the judge said after again reaching out to the court the judge assistant then reached out to XXXX to telli her to file the motion to dismiss, then months later I receive a bill for additional XXXX for services not rendered I told her I disputed this bill as this was not our agreement and excessive as she did no work then file my petition and already received XXXX she then sent a misleading emall saying she discounted 100 % of my bill which I assumed she was doing the right thing and not charging me the additional XXXX later I receive a call from hf holding threatening to put this on my credit I explaln it was a disputed bill and I was filing a complaint with the Florida bar hf holding then put It on my credit I a copy of the correspondents sent to 3 different emails of hf holding they threatened to sue me and go my job and ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company is inaccurately reporting accounts on the credit profile assigned to my social security number. There are accounts showing as OPEN and CLOSED with late payments or owed balances that are not active. These accounts are reporting inaccurately and need to be removed from my profile. This is a violation of my consumer rights. 

Accounts : XXXX XXXX showing {$8000.00} balance and CLOSED XXXX XXXX XXXXXXXX showing XXXX XXXX usage, 1 late payment and OPEN XXXX XXXX showing XXXX XXXX usage, closed and 2 late payments XXXX XXXX showing 87 % usage and open.

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 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XX/XX/202XXXX XXXX XXXX XXXX CASE NUMBER CALLED SAYING. THEY HAD CLOSED ENVELOPE TO BE DELIVERED TO SOMEONE OVER XXXX. They would never tell me who or what company or what collection was about. XXXX XXXX was his name. He wanted my dob and last four of my social security number there phone number wasXXXX

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX  I cancelled an internet service with XXXX XXXX ( I was not on any sort of contract at the time ) and switched my internet service to XXXX XXXX. I was instructed by XXXX XXXX to place my hardware that belonged to the company into a self addressed, postage paid box which would be mailed to me. Once the XXXX XXXX received the equipment from me then my service would be closed. I mailed the equipment off as instructed. 

In XXXX of XXXX  I was surprised to find I was charged another full-month from XXXX XXXX for service that I had cancelled over a month prior. I contacted XXXX XXXX via phone and inquired about the charge of {$82.00} on XX/XX/2022 to my credit card. The customer service rep indicated that the equipment likely hadn't been processed yet and once the equipment is processed then the account would be updated and credited based on the cancellation effective date. I acknowledged that I understood and waited a few weeks for the credit to apply to my credit card but it never came. So I disputed the charge on my credit card and the credit card company conduced their own investigation and ruled in my favor and reversed the charge. 

Later XXXX XXXX again sent me a invoice for the {$82.00} and I again reached out to the company explaining what happened but the customer service basically said " the system says you owe charge so there isn't much I can do ''. 

This charge has been sent to Equifax and it is affecting my credit, which is otherwise stellar. I am disputing the validity of this charge and I'm seeking the assistance of CFPB to have this derogatory mark removed from my credit report. I have attempted to dispute this charge directly with XXXX XXXX and directly with Equifax to no avail. 

I will attempt to send a pdf file of my credit card statement from XXXX XXXX  showing a charge for XXXX XXXX on XX/XX/2022 and a charge from XXXX XXXX  in XX/XX/2022. I wouldn't not have kept of paid for both services at the same time because once I had the XXXX service installed. I called and cancelled the XXXX XXXX. I have no documentation of the cancellation because it was done via phone. I was unable to locate the XXXX  receipt I received from mailing the XXXX  equipment back but it was definitely sent back in a prompt manner.

Company response to consumer: Closed with explanation