vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: PA

Complaint narrative:
TO WHOM THIS MAY CONCERN, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I request to be removed are listed in this file and my statement below. 
Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NE

Complaint narrative:
Transunion- The following accounts are reporting inaccurate information on my credit profile. 

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account.

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 2023-01-27 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:
In XXXX XXXX XXXX I received a collection from a company that hadnt contacted me. I paid the amount in full and was told it would be left on my accounts for XXXX years more which is unfair under the circumstances that they were paid.

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 2023-01-27 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: MO

Complaint narrative:
I recently learned that my personal information was used to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX  I did not open or authorize this account, and I therefore request that it be closed immediately. I called the company personally on XX/XX/XXXX and spoke with XXXX he then told me to write a detailed letter supporting my cause, and to attach police report & or any Complaints filed.

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 2023-01-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the 5th time I open a case against Experian because they don't have my name correctly on my credit report and they also have an address there that I was never associated with. 
My name is : XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 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: IL

Complaint narrative:
I have called numerous times and disputed with XXXX credit bureaus and XXXX XXXX bank as re-aged my account and the credit bureaus are saying that the dates are valid. Also contact company the company will not provide me with any information although I have tried serval times, my Equifax even shows 2016 XXXX date of delinquency but XXXX does not is shows a later date so it may remain to ruin my credit longer but they did remove it. I have tried to get them to give me my personal information after verifying who I am and they are still not willing to help in fixing in formation on credit report they all say information is valid with out proper investigation. 
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

The other XXXX major credit bureaus Equifax and XXXX also did nothing to investigate only wrote notes as though they were valid no investigations were done if they were the would know this account was opened and XXXX date delinquent in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX in the afternoon I was at my job at XXXX XXXX XXXX Tx, I was withdrawn without my authorization and having the card in my possession XXXX transactions each for {$400.00} for a total of {$810.00}. XXXX, immediately upon seeing the messages on my phone I proceeded to call the COMDATA customer service line to report the theft and request the blocking of the card XXXX, on XX/XX/XXXX I received a letter informing me that they will not return the money because there is not enough evidence, immediately I wrote an email to the same sender XXXX XXXX XXXX of Comdata ( XXXX ) with a copy to the fraud email ( XXXX ) giving my version and exposing my disagreement with the response. On XX/XX/XXXX I received an email from the same XXXX XXXX XXXX informing me that they have already approved the refund of my money in XXXX to XXXX working days, it has been XXXX working days and they have not given me an answer, every day I send him emails and call the phone line informing what happened, the case number is XXXX. Please, this money is the fruit of my hard and honest work. I am asking the XXXX to please intercede and give me a greeting. Thank you very much 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 monetary relief
Consumer complaint received 2023-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX statement- made an online payment, interest was charged XXXX XX/XX/XXXX statement - made an online payment, interest was charged XXXX XX/XX/XXXX XXXX no interest charged XXXX statement date XX/XX/XXXX large payment was done and interest charged 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 2023-01-27 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: AL

Complaint narrative:
Equifax is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/23, I paid my mortgage by phone as I do every month. I got paid that following Wednesday the XXXX. When I needed to access my money, my debit card was denied. I didn't know how this could happen since I had just gotten paid. I checked my account on line and I was over {$1000.00} in the red. I scrolled down and found that my Citizens Bank Mortgage had withdrawn my mortgage payment 2x 's on the same day. I contacted the mortgage company on the XXXX, to let them know their error and they told me to email them a copy of my bank account, which I did. It showed their double payment. They said they were going to investigate and if they found their error in their system it would take 9-10 days for me to get my refund. I told them I couldn't wait 10 days, I couldn't pay my bills, I had bills coming out of my account and for each bill they gave me an overdraft fee of {$35.00} and a sustained overdraft fee of {$30.00}. Now totaling over {$200.00}. I contacted the XXXX XXXX XXXX and filed a complaint and within 2 days a man from Citizens Bank Corporate called me and told me he was my advocate. He was going to make sure I got my money back in 2 days. It never happened. He gave me his email address so I've been asking the status 2 times a day and no reply. This has been since Monday the XXXX. Today is the XXXX and still no reply. I have not gotten any money back. The bank manager in XXXX XXXX said she was going to cancel all of my overdraft fees, that never happened. I'm still {$650.00} in the red. I don't know what else to do, they are saying they will give me my money back, but they're not doing it. I won't be able to pay my XXXX mortgage, so I asked if they would wave it for the month. The corporate guy, XXXX XXXX said he would bring it up, but he doubts they will forfeit a month, yet they haven't done anything to reverse this. My credit score has been affected, I'm not able to put food on my families table, I have no money to shop and at this point in my life, I'm XXXX my husband is XXXX and I have a XXXX XXXX XXXX daughter with cerebral palsy that I am her sole provider and caretaker. All of my bills are past due, I can't even pay my gas bill and soon they will shut me off. They took {$2200.00} two times. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
The name of the school is XXXX XXXX ( XXXX ) and not XXXX XXXX but that was the closest name on the list. I wrote to CFPB and they stated to write to FAFSA regarding the matter of School Borrower Defense. However, I reached out to FAFSA Ombudsman regarding a pending matter to get the debt dropped due to embezzlement and non job placement. Which is why the school closed. However, FAFSA reached out and told me that Navient would contact me regarding this matter.

Navient has reached out with a message through my account promoting ways to pay back the loan. But they still choose not to address the issue regarding School Borrower Defense that I filled out with FAFSA. Regarding dropping the debt due to embezzlement and non job placement in which this is the reason why the school closed in the first place.

I do not understand why FAFSA chooses not to address this issue either because I filled out the School Borrower Defense forms with them. Instead they're putting the ball back into Navient court while knowing the truth as to why the school closed down. Both parties are ignoring the situation and I need for CFPB to step up and help me get this loan dropped due to fraud. 

I would like for Navient to acknowledge and answer me regarding the well publicized issue in the media, with both XXXX XXXX located in XXXX XXXX and XXXX, CA. And drop the loan according to the charges of embezzlement, fraud and non job placement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2023-01-27 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: TX

Complaint narrative:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax- The following accounts are reporting inaccurate information on my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$910.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1500.00} These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: AL

Complaint narrative:
XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove

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 2023-01-27 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: AL

Complaint narrative:
XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was a XXXX XXXX  I bought a house and furniture anyway after that I had XXXX XXXX XXXX left and something I did put XXXX XXXX XXXX in a cd after shopping for some clothes and food I just was wanting someone to look at my account from before because something happened there was one time when I went in the bank and I was checking my account and I thought it's was worried because the boss of the bank was standing there and I had ask for my first print out when first got the account and told her to throw it away after looking at it and ask her to print another copy.

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Call log XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Called them back at XXXX at XXXX told them to stop calling they said they cant unless I give them my information and social security number. 
XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX called left voicemail at XX/XX/XXXX XXXX blocked phone number XXXX XX/XX/XXXX XXXX called left voicemail and I blocked the number. 
This has been going on since XXXX of XXXX with different numbers. 
Number they want me to call back at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : 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