vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX  CARD Acct : XXXX XXXX. ) XXXX XXXX CARD Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX BANK XXXX XXXX. ) THE XXXX  OF XXXX  XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DOB 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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, On XX/XX/XXXX I had carpet installed by XXXX XXXX in XXXX CA. When I went in on XX/XX/XXXX I was going to pay using my debit card or XXXX  credit card for a total of {$5000.00} on carpet and installation but the sales representative sold me on getting it financed at 0 % through Synchrony Bank XXXX XXXX. He said he could quickly run my credit for approval and I got approved. My receipt of actual purchase is dated XXXX XXXX which is the date they installed the carpet and I signed the purchase which I decided to go ahead and put on the Synchrony card I approved for. 
There was a promotional balance that according to my receipt and contract from Synchrony Bank would expire on " XX/XX/XXXX. '' Having been told I have a 30-day grace period for the full payment to be received before the deferred interest hits, I attempted to mail payment in XXXX after the portal was not working for a couple days. Payment hit on automatic instead of full amount and upon noticing I called Synchrony to explain and they said my promotional balance ended in XXXX and not XXXX. But I have proof in the contract that it says XXXX. They said there is nothing at all they can do even though this mistake made me lose time in sorting out the payment issue. Had I known it was XXXX I would have started to resolve much earlier. Statements were in junk mail and I was going by my contract and had payments set up. The bank insists I should have noticed and therefore there is nothing that can be done. " My time passes. '' It means that although they made a mistake, it was my bad for not catching them on time and they can't do anything at all. This is simply predatory behavior. I called to have my amount owed paid in full and request the {$2300.00} dollars on interest charge on a {$5000.00} purchase waived. I've never been late and have been their customer for over 15 years and they can't be accountable or even show apologies for the error made and lack of accountability. I spent {$5000.00} and {$2300.00} is almost 50 % in interest. This is unethical to say the least.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/XXXX I received a deposit for {$3900.00} on my EPPIC Debit Card issued by Dept Child Support Services for California. 

I typically receive {$170.00} a month for child support so I very seldom use the card. I called to check the balance at the end of XX/XX/XXXX to see if if my normal monthly payment posted, as my ex husband is not consistent in paying court ordered support. 

The automated system advised a payment for {$3900.00} had been deposited to my card, but my available balance was {$0.00}. 

This was a tax intercept payment for arrears owed to me. I spoke with the fraud department who sent me paperwork to complete and return, I had to request it twice! 

Since than they denied my claim, I have asked multiple times for their report and reason to deny my claim as it was clear it was fraud since the charges are from XXXX and XXXX. I filed a police report. 

They continue to lie to me and promise to send the report of their investigation its been 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion, XXXX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency 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. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-07-20 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: TX

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 this information 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 XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}

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 2022-07-20 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: CT

Complaint narrative:
I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX co XXXX Capital one usa, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: AR

Complaint narrative:
It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This Dispute Item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block this file. 

XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-07-20 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: GA

Complaint narrative:
I previously lived at My current Address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following addresses I would like removed from my credit reports : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Equifax and XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have my ID with my address on it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: GA

Complaint narrative:
I previously lived at My current Address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following addresses I would like removed from my credit reports : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX and Transunion XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have my ID with my address on it as well.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2022. A collection account was removed from my report and my score WENT UP XXXX points. XX/XX/2022, my score WENT DOWN XXXX points WITHOUT ANY CHANGE to my report. WHAT IS THE REASON FOR THE DECREASE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I submitted an inquiry on my online banking. Someone else received the email. The email it went to is in no way associated with my account. This person received an email with my name, address, loan number, and phone number. The person who received the email called to inform they received the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/22 Coinbase solicited my enrollment in their Coinbase XXXX service. The solicitation offered a 30 day trial period with a confirmation email that stated ( quoting ) : After your free trial ends, your subscription will automatically renew every month for XXXX On XX/XX/22 I noticed a {$29.00} charge from coinbase. I contacted their phone support and explained the situation, asked for a refund and told the agent I had canceled the service. The agent refused to issue the refund I offered to send a copy of the email stating there would be XXXX charge. However, they said that no refund would be considered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: GA

Complaint narrative:
XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act XXXX  Account ''US DEPT. OF EDUCATION/XXXX '', XXXX XXXX '' and has 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

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 2022-07-20 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JXXXX 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 2022-07-20 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had these student loans with NAVIENT for some years now, and have been very conscientious about my payments. However, since losing my job, my servicer has become more aggressive and less flexible in how they are handling my payments. Even when I was working, they asked me to pay more than 50 % of my monthly earnings as payments. 
This XXXX is becoming more regular, and each time they raise interest, they make it harder to bring payments down to a reasonable number. 
This time, when the " special interest/payment '' period ended, they called my wife multiple times, then they called my mother ( who is a recovering XXXX victim ) multiple times, and THEN they contacted my estranged father ( of 20 years! ) and claimed that I had used him as a reference to borrow money. I have not spoken to my father since I was XXXX, and have NEVER listed him as a contact in my adult life. He was NOT listed as a reference for anything! 
I consider this XXXX, especially when I have made my monthly payments regularly, and often, I have done so even when I could not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX  Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : 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 delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : 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 delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979

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