vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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 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 Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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 non-monetary relief
Consumer complaint received 2022-08-17 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: CA

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 Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
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 XXXX BANK ( XXXX ), ORIGINAL CREDITOR, XXXX XXXX XXXX SOLD TO XXXX XXXX XXXX ( XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 15 U.S.C. 1681 SECTION 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, 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 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
The only mail I have received was the beginning of the year in XX/XX/2022 of a collection debt from a XXXX XXXX XXXX of {$1800.00} I have written a dispute letter yesterday and sent it off. and I have asked multiple times to send out a itemized Billing and they wont. I have called today and was threaten that I have a court date in XXXX over {$2000.00} of being sued. Again, wont tell me everything that I owe and wont break down costs. Asking me personal questions about where I work and if I still work there and if I own property or a home. I have paid them {$500.00} today as of XX/XX/XXXX, XXXX and I havent received anything yet in mail of any type of receipt or anything. I have never been in this situation before. I honestly thought my insurance had covered it all through my hospital. But I havent received anything else by mail of being sued and requesting payment. I also dont recall giving them any permission to contact me or look at my medical records and my personal info. Thats a violation. And also had to find out by phone call today that I was being sued and will be served soon and was asking me questions about my work place. And yesterday I received a letter in the mail by an attorney saying I was being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i only gave them premission to run my credit one time not twice they have two different dates on my credit i will like the inquire for XXXX XXXX to be taking of my credit report i didnt give them premission this day

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX, XXXX, and Equifax in regards to the accounts showing that they had been removed from my file. I also received a letter from the Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from XXXX stating that the account was REMOVED. Moving forward into XX/XX/2022 a Employer Credit Check was pulled, and the account is back listed on my report as well as listed on Equifax, and XXXX and it was perviously REMOVED. How was this account reinserted back onto my credit file without my acknowledgement when the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact XXXX, Equifax, and XXXX back in regards to the issues I'm having, but I have not been successful. Each Credit Bureau is neglecting to remove the accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened Bank XXXX XXXX XXXX XXXX. I have attached proof of my previous dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some hard inquiries appeared on my XXXX credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : 1XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXXXXXX XXXX XXXX 2/ XXXX XXXX  BANK ( Bank ) on XX/XX/XXXX 3/ XXXX XXXX XXXX XXXX  ( Finance ) on XX/XX/XXXX And one inquires on Equifax report XXXX XXXX BANK XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CA

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 Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2022 at XXXXXXXX XXXX I reserved a vehicle from XXXX XXXX XXXX for XX/XX/2022 - XX/XX/2022, picking the vehicle up at XXXX, XXXX On XX/XX/2022 at XXXXXXXX XXXX  I modified the reservation to pick up the vehicle at the XXXX XXXX XXXX XXXX I received a confirmation for the modification. On XX/XX/2022 at XXXXXXXX XXXX XXXX sent me a confirmation email claiming " We look forward to seeing you today at XXXX XXXX. We've confirmed your reservation number, XXXX, and we have your car waiting for XX/XX/2022 XXXXXXXX XXXX pickup. ". At the time this email was sent I was on a flight coming into the XXXX XXXX. When I arrived at the XXXX counter the agent claimed my rental had been canceled and the location was overbooked. After showing the agent my reservation and confirmation he decided to give me a one day rental and told me to call the main office. On XX/XX/2022 I called the main office and an agent said she had rectified the situation. I asked if I needed to bring the vehicle I had back and the agent said no, return the vehicle on XX/XX/2022. On XX/XX/2022 I returned the vehicle and was billed the correct amount of {$590.00}. On XX/XX/2022 I was charged an additional {$810.00}. I filed a dispute with Navy Federal Credit Union and my initial claim was denied. I tried several times to call the XXXX XXXX XXXX XXXX, however I was rerouted to the main call center. Every agent I spoke to said the charges looked incorrect, but the XXXX XXXX branch had to take care of the issue. At that point I did not know exactly what the XXXX XXXX was claiming was the problem. I appealed Navy Federal Credit Union 's findings hoping to get more information concerning their investigation. Today, I received their response and the stated, " As stated before, we've already provided the final folio/invoice from the merchant, which we obtained indirectly from the merchant 's website using your own documentation you provided us showing your rental information. You're free to access the merchant 's website to do the same and obtain the same information we did. ". Basically, they made a decision without even speaking to the vendor. I have all my documentation, sent from XXXX XXXX XXXX, showing I should have a {$590.00} charge. The additional {$810.00} is fraudulent. Please help. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
I XXXX XXXX XXXX did not apply for a loan from Atlas they dont have my signature or premission on anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am paying private student loans to a medical school ( XXXX ) in XXXX that I never attended. The medical school I did attend was XXXX XXXX XXXX  XXXX. 

Is it legal for the school to fraudulently get the money for tuition, using another school on the other side of the planet that I never attended? 

Did the school commit fraud in certifying the loans therefore I'm not responsible and i should be refunded what I paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Costco Citi Card had fraud charges on it. Citi 's fraud algorithm did not catch this which was extremely blatant with XXXX charges worth just under {$10000.00} from the same company happening within 1 week ( XXXX ). Now I have spent over 5 hours trying to have them remove the charges from my statement so that I can pay them the correct amount. They will not do this but also tell me that if I don't pay them, they will hit me with late charges as well as interest. They say it will take 2 months to sort through all the charges and can't help me determine what I am actually supposed to pay. I have had mostly poor reps who do not want to help because it will take too long and it will XXXX up their call center XXXX metrics. I did get one good rep that spent the time with me to try to do the calculations to determine what I owe but even that rep could not do it because Citi does not give them excel to help work on these issues and they do not have systems that can handle situations like this. They also keep telling me that I am liable for these charges until the point that they determine they are frauds ( and insinuating that this is probably not fraud ). I have had credit cards for 35 years and have had fraud before but they always immediately remove them from my account during the investigation stage so that I can know what to pay them. I get the feeling that the company is not prepared for a situation like this and is putting it on me to deal with it while they stall. I have talked to Costco and they seem to not be surprised and gave me this site to report it and it does not sound like the first time they have received complaints from Citi.

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 monetary relief
Consumer complaint received 2022-08-17 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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-17 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: ND

Complaint narrative:
on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # Dept OF ED 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 explanation