vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: GA

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, M, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, 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 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 2022-08-13 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: GA

Complaint narrative:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, 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 XXXXXX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Contacted Kia XX/XX/2021 when I had XXXX. They put me in a COVID payment arrangement which I kept, and still reported me 30 days late. I've contacted them multiple times which they make me dispute thru the credit agencies. So ive disputed this multiple times with it still coming back as valid.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted Equifax on XX/XX/XXXX and they would not take my dispute over the phone instead they told me I had to mail it in. That is False. I did mail my dispute in as instructed by Equifax even though they were supposed to take my dispute over the phone.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I got a letter from OnLine Information services to collect debt from " XXXX XXXX ''. 
This is obviously not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: WA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX charges were made on my Citi Bank Credit card, that I did not make or authorize. Citi contacted me via text message asking if charges were legitimate, I contacted Citi bank on XX/XX/XXXX and told them I did not make or authorize these charges. Charges were made at XXXX in XXXX XXXX, La and at XXXX Oh. I have never been in either State nor do I allow anyone to use my Credit Cards. My Identity was stolen in XXXX and I have had several fraudulent transactions attempted in my name, including a SBA Covid Disaster loan. The Credit Card Co is saying I made the charges and wants me to pay the bill. I am getting notices that the bill is past due. I have called the Citi Bank at Least 12 times and this issue is not resolved.

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 2022-08-13 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: FL

Complaint narrative:
Dear Experian, There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, 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
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022 @ XXXXpm I received a Credit Alert that XXXX XXXX XXXX credit was closed out. XXXX. I immediate contacted XXXX @ XXXXpm and for 20 mins phone call conversation received the most unprefessional customer service respect from a supervisor by the name, " XXXX XXXX I encourage for her supervisor to pull that call that supposedly be recorded for quality and control. I was calling to see why my credit card was closed and she just did not let me speak and try to talk. I gave up talking to her and just knew I had my rights to compliant thru the CFPB. She said that " typically '' cards are closed after 12 months with no activity. With her disrespectful attitude I just let her go and I would like a darn good explanation why my card was closed without my permission?

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 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My daughter has been receiving emails from a debt company called LVNV Funding LLC. They keep sending her notices of a debt owed by someone who used my social security. I have never taken out a credit card with XXXX XXXX XXXX. Also, the name that was used to cause the fraud is incorrect and the zip code. I'm not sure how this fraud happened, but the collection company keeps sending my daughter notices of this debt to her email. I don't know anything else about this debt, but my daughter emailed XXXXVNV Funding to dispute the debt. Please help me since I did not cause this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
I filed several disputes with a company called XXXX where my card information was stolen from a phishing link. And charged multiple times. I was approved on several transactions by key bank and receive my money back. For the last bit of the transactions I was denied because theyre claiming I had to be there in person it seems the caseworker did not review the previous cases and saw that the company is in fact not a physical company but an online cryptocurrency company so in fact it is impossible for me to be present when the transaction is there it can be done electronically online since my information was stored to the website including card info. 

I am out over {$14000.00} in these transactions I want my money back immediately as the caseworker seems not to be able to do their job right and pay attention to what the previous cases which are exactly like this one which were approved. 

This is why Im making this complaint thank you As you can see in the documents below all other cases were approved but these were denied for a completely wrong reason and I expected to be overturns swiftly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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:
This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report since the disputed items resulted due to identity theft. It has been a battle going through this and I am writing to delete the following fraudulent 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 the charge nor accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DEPT OF ED/XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00}

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 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did

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 2022-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did

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 2022-08-13 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: Google Compare Credit Cards Inc.
State: AR

Complaint narrative:
My XXXX XXXX XXXX was sucked in to a XXXX XXXX that had in XXXX  purchased. He is a typical XXXX XXXX XXXX that is very tech savvy and was able to use his biometrics to suth purchases. He has no real understanding of money and spend thousands. I have tried to resolve this with XXXX XXXX   and the developer to no avail. I need help recouping the thousands of dollars wasted on these virtual products. While I have joined a class action suit I am on XXXX due to XXXX XXXX and this situation is untenable. It is almost as if XXXX and XXXX XXXX are stretching this out waiting for my death.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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 — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
REFERENCE APPLE CREDIT CARD GOLDMAN SACHS SS # XXXX On XX/XX/XXXX I disputed a charge of {$52.00} from XXXX XXXX We never received the goods so we disputed like any other consumer would. It has been over 45 days and still no feedback. Apple credit card has suspended 2x cards for no reason and can not tell me why, they can give me a credit card increase limit with my perfect credit score of XXXX. Apple makes no sense. I need my {$52.00} back to my card that I do not owe. As well stop suspended my credit cards for no legitimate reasons. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
mortgage company refuse me a loan modification on my loan even during covid they said in office you are BLACK BALL and u can never get loan modification. 
the only way too keep home i had to file XXXX  XXXX during the XXXX  XXXX mortgage company sent conflicting statements saying no money was ever sent over the first year they stated my balance went up and they received no money! second year they kept up with same deception stating no money received so i ask for payment history and ask my lawyer why are they sending documents which are very discouraging and dishonest. 
i ask for total paid to mortgage company and i pay account off/ CLERK of XXXX stated on legal document mortgage company received XXXX However they sent statement that i owed for 2years { have document exhibit 1 ) i owe for the two years in XXXX XXXX and balance before XXXX XXXX which totals XXXX plus i almost lost my mind!! So I ask for QWR in XXXX when clerk of court gave me amount paid in to mortgage company and i pay rest off.to this day i have not received nothing they told me i cant talk too anyone, plus they sent all my personal mail with any correspondence too a BK attorney in XXXX which stated he no longer represents me { exhibit 2 } lawyer writes me asking why are they sending your mail to me. 
i told him they are trying too steal the property and keep me not inform, Know out of the blue one rep I spoke to at mortgage company said i don't know why they are treating like this but this guy said I'm send u out a modification pack because you are black balled. 
and i filled it out ( exhibit 3 ) XXXX they never sent me a reply but pull my credit they were still double tracking me for foreclosure/ will not give me accurate pay off XXXXstalling tacti 's then they sent me a foreclosure date 30 says out XXXX. they still have my XXXX now they are trying to unjust enrich their self. NO letters sent to me to cure default, all info sent to different address the forwarded to me how many days is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was a US Bank customer for more than 20years. When I went into the XXXX XXXX bank branch to close the account, I was told by XXXX the manager that I had a {$5000.00} loan linked to my account. I had never taken out a loan or credit of any type or amount from US Bank so I immediately told him it was fraudulent. XXXX became visibly angry and threatened me saying, " If you don't pay I will personally ruin your credit '', and started yelling at me to " get out ''. This was the most horrible and shocking treatment after being a customer for so long. I went to another branch and asked to see the the signed loan contract. The manager I spoke with admitted that it did not exist, and the loan was created by a US Bank employee without my knowledge, consent, or signature.. They had been deducting charges and charging me interest and late fees on a loan that was fraudulent. The manager told me she knew who the employee was who created the fraudulent loan. This is illegal and should be stopped.

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