vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: CA

Complaint narrative:
It has been drawn out into the open that CREDIT BUREAU is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX IN XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've contacted Transunion XXXX to put a fraud alert and security freeze on my account due to identity theft I created a pin number that I was told would have to be used to remove them. Not even a month later Transunion removed the security freeze and fraud alerts without the pin.When I called and asked why it was removed l was lied to and told they were never there. When I said I had the correspondence stating they were the story changed. I was asked to create another pin number and told the alert and freeze would be placed. Possibly XXXX weeks later the same thing happened. They removed the freeze and alert without the pin and someone was able to place loan and credit applications out on my name again. I called again same lies. I requested to be called for verification if the alert and freeze was attempted to be removed for verification. Transunion allowed it to happen again. I have XXXXuseless pin numbers because Transunion obviously doesn't really require them to be used to unlock or remove anything. If some places and fraud and security freeze they could at least make a minimum effort to verify removal they ask for email and phone numbers they should try using them. If these transactions are taking place they should only be allowed during normal business times not on weekends wher the fraudsters can just do what they want eventhough dealing with Transunion it seems they can do that anyway.

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 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
I received a payday loan from Title Max for the amount of XXXX. I got the loan near closing operation time at that point I was insured that I would only be paying back {$380.00}. The loan occurred in XXXX of XXXX  My first payment was scheduled for XXXX which I verified XXXX separate times. I spoke to a XXXX XXXX XXXX XXXX. I was repeatedly assured that {$380.00} was the entire payoff amount. Which is the only reason I agreed to the loan. My bank account was unknowingly attached to the loan without permission. I was rushed out the door after processing the loan which the details were vague. I also was not provided with a contract. When I called to request payment information the representative was vauge and informed me that they didn't know what the payments amounts were. Titlemax then started to attach predatory taxes and fees to the loan. I was then becoming harassed by ridiculous amounts of unsolicited phone calls and harassing letters in the mail. I will be sending titlemax a cease and desist notice. I feel I have been predatorily targeted. To be specific a " XXXX XXXX XXXX '' is the individual who unecessarily makes harassing phone calls using a threatening tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: IL

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 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 2022-10-17 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: IL

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. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX  Date opened XX/XX/2019 Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

Lastly, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.

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 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
My wages was garnished by AES with a 3rd party contracted company. This took place roughly from XXXX. I did not have a signed contract with this 3rd party ; which made it unlawful to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX  Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}

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 2022-10-17 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: MD

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. Experian, XXXX, and XXXX must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018

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 2022-10-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}

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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The XXXX XXXX XXXX continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureau to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LA XXXX CNT Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX OF 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 2022-10-17 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: IL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. XXXX, TransUnion, and XXXX must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018

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 2022-10-17 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: LEXISNEXIS
State: IL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. XXXX, XXXX, and LexisNexis must remove any item that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I want to make a complaint about Chase bank. I accidentally deposited a check that has someone else 's name. The check is a deposit return from an apartment and the name on it belongs to my roommate. My bank account was frozen due to suspected faud activity, I tried solving the problem by contacting both Chase and the check maker, but Chase requires a verification from the check maker only through phone calls and only through verified numbers. All of the available numbers of the check maker are not " verified '' on Chase 's record so they can't communicate with them. They later told me to scan in my leasing contract with the check maker as a verification, but the process is extremely slow and it doesn't seem to be working. I suspect that they will never give the money back and it's a big amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am being violated as a consumer, my child support is showing as a collection on my Experian report, but I have never been late, and all the other bureaus are showing I have never been late I don't know where Experian gets this info from. I have tried fixing this error numerous times. How can this be a collection and current? Experian is not checking with the furnisher as they should. Experian responded in the last complaint that they did which is a lie because I reached out to the furnisher, and I'm told to dispute with Experian

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 2022-10-17 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: MD

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}

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 2022-10-17 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: MD

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}

Company response to consumer: Closed with explanation