vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Over a year ago, Experian lowered my score over XXXX points in one day. After a lifetime of having a credit score over XXXX. Last month I paid off over 90 % of my ccard debt and they raised my score 1 solitary point. I did in fact contact them and they feigned ignorance and said they dont control this. 
However their published scoring system for me says that my lowest segment of my credit score is in fact on credit card debt! I scored good/ very good or excellent in all areas. The one place I dont is in amount of new debt, which amazingly Wxperian is marketing the XXXX out of me to participate in. They email me all day long to take out new loans to consolidate debt on my {$9600.00} in ccard debt which I no longer have! So they are actually not monitoring my debt as they are supposed to be doing, enticing me to take out more debt which would actually lower my credit score below an already falsely deflated number. A number which they are keeping at a low enough number to effect my tea borrowing power. 
I want them sanctioned and fined. I am a XXXX XXXXXXXX XXXX XXXX and am keenly aware of the financial ramifications of these actions. This is truly criminal activity.

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 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I NOTICED THIS DEBT ON MY CREDIT FILE. I PROVIDED POLICE REPORTS, FTC AFFADAVIT NOTARIZED, AND ALL IDENTIFYING INFORMATION TO PROVE THAT DEBT IS NOT MINE AND EQUIFAX HAS REFUSED TO REMOVE OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian had offered me to see if I would qualify for a debt consolidation loan on their credit monitoring app. Before you push submit, it clarified that it would not effect your credit report and there would be no hard inquiry. As a result of doing this, I ended up getting 2 separate hard credit inquiries. I have not directly applied for any loans or cards any time in the past 6+ months. I have called Experian and they believe it is identity theft and that its just a coincidence that they came the same day I did this application on their web site. They have declined any responsibility and decline to help with the hard inquiries. I believe they should be responsible because without the statement before submitting the application, I would not have submitted it. I am now chasing this down myself and losing time at work trying to fix it.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank Closed my checking account ending in XXXX. I was told I would have the balance in the checking account sent to me via mail in a check within 60 days of the account closure. This was 60 days ago. I have still not received the check. I have contact Citibank by phone, email, and in-branch. No resolution or check provided.

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate information.

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 2023-06-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
I have disputed the company Conserve with all three credit bureaus and they have said that the information is true pertaining to their information. this information is inaccurate. Conserve had reported this balance to the credit reporting agency when this account was under the appeal process and a decision wasn't made. This was wrongfully reported and has no balance due to government loan forgiveness which was approved by the school. please remove it from my credit file. I have evidence that this company also wrongfully reported while the loan was in the appeal process. Attached is evidence of the XXXX balance owed to the XXXX XXXX XXXX XXXX XXXX XXXX from the school officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Equifax. this issue needs to be fixed asap. looking over my file all data is invalid an is causing denials an hurting information listed on public records. please review an delete the following data to clear my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
There are 2 negative remarks on my credit report by the same company and I have NO IDEA what it is!! 
They also called my younger brother to discuss this debt I know nothing about, which is illegal. They tried getting personal information and when I told them to stop contacting me because it is considered harassment they told me they can do whatever they like. 
They are looking for an " XXXX XXXX '' and that is not me, even when I tried telling them that it is not me. When I asked for proof of the " original documentation '', they denied sending it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to FCRA these companies are in violation

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 2023-06-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Walgreens advertises on their website that you cans see if you pre-qualify for their credit card with no impact to your credit report. That is not true and when I tried to check to see if prequalified and for how much it took me through all the regular prompts and it put a hard inquiry on my credit report. I contacted them to let them know about this and they did not care and are refusing to make this right and remove the hard inquiry. I feel like I scammed by their false advertising ploy to get me to sign up for a credit card.

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 2023-06-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair Credit Reporting act, The List of accounts has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was a victim of a series of multiple attempts of fraud using my identity that followed an armed robbery on XX/XX/2022. A hard inquiry from SyncB/JCPenney appeared on my credit report, to which I made several calls to the company to get information on an attempt to create an account using my credentials. Though I was able to retrieve an associated address over the phone, I have since been unable to retrieve a hard copy, even after the detective in my case made a call himself. I was told to write a letter to a given po box to address the issue, but I have had trouble getting an update on the matter over the phone and I have not been able to verify if I will be receiving my requested documents. The detective is requesting hard proof of the said address and other information involved in the fraudulent attempt to create an account via SyncB/JCPenney.This information is needed to identify a potential suspect who was involved in the armed robbery.

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 2023-06-20 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: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
I am contesting an alleged debt that was collected and untimely and negligently processed by SBS Lien Services on behalf of the HOA, XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. SBS Lien Services sent 2 ( two ) NSF checks to XXXX XXXX and XXXX XXXX Eventually, SBS Lien Services wired {$50000.00} ( HS # XXXX ) to XXXX XXXX There seems to be a complete disconnect between what has been posted on my HOA ledger account and what SBS Lien Services stated in their last communication to me on XX/XX/XXXX. 

MOST IMPORTANT DATES, AMOUNTS, and COMMUNICATIONS XXXX - I have paid, under protest, an alleged debt to my condo HOA, XXXX XXXX XXXX XXXX, using the HOAs hired debt collection agency, SBS Lien Services. I wired {$52000.00} to prevent the foreclosure of my condo. The wire was never returned to my bank. 

XXXX Received SBS Lien Services email acknowledging payment through XX/XX/XXXX. Lien on my property was removed days later. 

XXXX XXXX XXXX XXXX XXXX XXXX posted a {$50000.00} NSF check from SBS Lien Services on my ledger account and a NSF check fee. 

XXXX XXXX XXXX last day of services. XXXX XXXX transferred the HOA accounts to XXXX XXXX My transferred balance was {$37000.00}. 

XXXX XXXX day of new management company, XXXX XXXX 

XXXX XXXX 60-day late-fees grace period. 

XXXX XXXX XXXX XXXX legal fees '' of {$17000.00} to my HOA ledger account. How did XXXX know this amount was going to be for legal fees? 

XXXX XXXX posted a {$50000.00} NSF check XXXX # XXXX ) to my ledger account, along with an NSF check fee. 

XXXX XXXX finally posted a WIRE transfer ( HS # XXXX ) for {$50000.00} to my account. What information did SBS Lien not received from the HOA, which cause a delay in the timely disbursement of funds? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX in Texas, requesting payment of a balance of {$55000.00}. The letter was sent via regular US mail. 

XXXX & XX/XX/XXXX I sent a certified mail to the HOA Board and XXXX XXXX requesting that they investigate the letter dated XX/XX/XXXX. I also sent a follow-up email regarding the certified letter. 

XXXX I called SBS Lien Services to request information about my account with them. XXXX XXXX advised me to send the specific requests via email, which I did on XX/XX/XXXX and follow up XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX from SBS Lien Services sent a brief response via email but failed to provide the requested information or answer my questions. She carbon-copied the president of the HOA Board on his business/personal email ( XXXX ) instead of using the HOA Board email ( XXXX ) or including the other Board members. It is inconceivable to think that SBS Lien Services had my money for over five months sitting in their bank without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Between XXXX - wellsfargo bank applied overdraft fees that seemed abusive and not just or agreed upon. 
They would apply overdraft fees and move money from XXXX account, Savings, to another account and charge in between a price. We have paid many times the cost. We asked directly to cancel the overdraft fee. Wells Fargo continued to use overdrafts for a long time, not fixing the problem and in between charging us time after time. 
Example - Situations like a direct payment to a savings account- would have no sufficient funds when the notice would come. I would go to my checking account, transfer the money within one hour, correct the problem during that hour, and be charged XXXX Euros - as an overdraft fee. 
The service was sold as a service that the bank would do to make sure the overdraft would be corrected. Wellsafrago was in fact, making a big amount of money for each occurrence or suspension. 
Because I was living on a tight budget, every time they would charge us an overdraft fee that would create an imbalance and they would charge more overdraft fees. 
It was a vicious cycle and I feel that I was mistreated and unfairly robbed. 
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 2023-06-20 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: NJ

Complaint narrative:
There are multiple Accounts reporting that are not mine I do not recognize any of them

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 2023-06-20 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: NJ

Complaint narrative:
There are multiple Accounts reporting that are not mine I do not recognize any of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
All negative things should be removed from my 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 explanation
Consumer complaint received 2023-06-20 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: MS

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act, The List of accounts has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief