vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I was shopping for a new loan with a better interest rate. While navigating on line, Prosper XXXX assured me there would be NO HARD inquiry on my credit files. Everything they advertised on line was completely misleading. Specifically, it stated it would so SOFT inquiries only. Somewhere in the process, I started receiving credit alerts that my files had been accessed and now I am stuck for another YEAR with a hard inquiry on my credit files. I want it removed! I called Prosper XXXX while in their system when I received the alerts about what happened. They stopped the on line application that I had no idea I was filling in. I am not too afraid to shop around. 
I have called this place at least 5 times to argue, but to no avail. They should have a class action suit brought against them for false and misleading statements on line.

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 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inquires on my report that I didn't authorize and Transunion won't take them off. They are also XXXX points lower then XXXX. XXXX also has inquiries on they report I didn't authorize

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 2022-10-25 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. I had a Charged off citizens bank account listed on my XXXX credit report that doesn't belong to me. I called Citizens bank and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NV

Complaint narrative:
I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.

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 2022-10-25 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: NV

Complaint narrative:
I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo has made my life XXXX through my private student loan. I have had a private loan with Wells Fargo from when I started college ( XXXX ) until a year ago when ( XXXX ) when they pawned off all their student loans to XXXX. Now Wells Fargo no longer gives me access to my account for me to give dates and examples. Throughout the span of this loan I tried to get Wells Fargo to lower my payments or even give me income driven which they denied several times. I have had to make payments to Wells Fargo rather than paying rent or getting myself groceries, to that the woman said, well thats just how it is.I can not believe how cruel and cold they have been towards me. The mental stresses they have put upon me is not right. They would rather get their money and have me suffer. There have also been a number of times in which they have not accepted a day late payment and charged me late fees as well as not accepting partial payment to suffice one of the loans. XXXX claims to have taken on the same liabilities as Wells Fargo. I have been in forbearance with XXXX for 9 months now. I only have 3 months left until I have to start paying that ridiculous payment. Which I absolutely will not be able to do, especially with the current economy.

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 2022-10-25 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: DISCOVER BANK
State: WI

Complaint narrative:
I am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I booked a XXXX XXXX ticket from XXXX to XXXX on XX/XX/XXXX using Chase ultimate rewards points for my husband. Travel date was XX/XX/XXXX and the points used were XXXX. 
Flight # XXXX. The flight was cancelled on XX/XX/XXXX while waiting to board the flight at the airport. XXXXXXXX XXXX  confirmed cancelling the ticket at the airport and refunding the amount. They also provided receipt. See attached below. I reached out to Chase Ultimate Rewards team 4-6 times and they confirmed they'd refund the points in XXXX billing cycles. It's been way more than that but I never received the points. Around XXXX call, they confirmed they've received refund from XXXX XXXX and I shall receive my points in the next billing cycle. They also promised an additional XXXX points as a compensation for all the trouble and inconvenience. 
After that call, I have not yet received the booking points XXXX points + addition XXXX points until today. I called them again, but nothing yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
I have paid the debt, and you keep sending this letter to me. The phone number on the letter and the website is not working as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off a car loan with this company in XX/XX/2021. It is still showing as " in repossession '' on my credit report. I've written them a goodwill letter asking them to update the status to reflect a " PAID '' trade or delete the account in its entirety and they have thus far refused to either. This is grossly affecting my ability to obtain new financing. 

This is also the same company in my previous complaint, that is in breach of contract by routinely mis-applying " on time '' principal and interest payments. 

Lets be clear, in reference to the previous loan, they sold me a lemon ( had the car less then three months ) and they have kept my down payment, all of the bi-weekly P & I payments that I made, took the car back ( auctioned it off ) and I STILL paid off a {$5000.00} deficient balance because they way overcharged me for the car in the first place. They made their money. I paid off the loan. 

I just want the repossession status gone, or the account deleted in all fairness.

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 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery has violated my Federally Protected Rights under the FDCPA. I sent Portfolio correspondence to cease communication and they failed to comply with federal law. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I am aware you using my consumer report with Extortionate means to swindle me into paying an alleged debt. I have now put you on Notice to XXXX XXXX from me from all mediums as stated in attachment. The FTC rule XXXX. XXXX prohibits creditors and sellers from selling and purchasing consumers credit contract which is unfair and deceptive practice to collect on a contract you are not the holder of. You are not collecting on behalf of your client you are collecting on behalf of your debt collection business and will be held accountable in Federal Court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-25 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: MI

Complaint narrative:
I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I tried to contact credit bureaus XXXX XXXX, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 States no consumer reporting agency may make any consumer report 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: WI

Complaint narrative:
I am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.

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 2022-10-25 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: WI

Complaint narrative:
I am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I recently sent a letter to XXXX about the false information they were reporting and instead of removing the false information the company XXXX National Credit system ) updated it, when theyre clearly negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank Company, on XX/XX/XXXX, approved a store TJMax credit card in my name for {$470.00} in credit on the significance of identity theft. 

I never applied for any Store credit for XXXX, nor do I shop there. 

The person using this fraudulent credit card defaults as soon It is used by failing to make the actual payments. 

I reviewed my credit history in XX/XX/XXXX and discovered a negative impact from Synchrony bank regarding the above fraudulent credit circumstances. 

I have never received a payment request after XX/XX/XXXX, or a collection letter from Synchrony bank regarding this identity theft By an Issued Store credit card. 

On XX/XX/XXXX, I filed a Written dispute and requested significant verification. I also informed Synchrony bank that I had never applied for credit from a XXXX XXXX  store, signifying a fraudulent case of identity theft. 

It has been more than forty-five days, and Synchrony bank failed to comply with my dispute request.

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 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX  and apartment during Covid. credit took a Major hit and most of cards were charged off.

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 2022-10-25 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:
My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : 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 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