vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX. 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 the charge. I'm trying to get a new home and these items won't get me approved. 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 commissions identity Theft Affidavit Please delete the items 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 2022-09-08 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:
Hello, My name is XXXX XXXX. 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 the charge. I'm trying to get a new home and these items won't get me approved. 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 commissions identity Theft Affidavit Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: UT

Complaint narrative:
EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX  INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I have been tracking my credit report and after reviewing the information, I noted that inaccuracies have been placed by Sunrise Credit services again on my credit report regarding the original creditor, XXXX XXXX XXXX. The incorrect accounts are adversely affecting my credit report. I have contacted your Sunrise Credit via phone 3 times and by letter, yet Sunrise Credit service has yet to respond. For the record, the following information is being erroneously included on my credit report, which I repeatedly advised XXXX XXXX XXXX and Sunrise Credit Services of inaccuracy of the collections being reported. Lastly, Sunrise Credit services are reporting to the credit bureaus weekly, as a NEW collection by via Sunrise Credit services. 
Here are the factual items in which I am disputing : 1. Incorrect date of past due services 2. Incorrect amount of past due services XXXX. Multiple INCORRECT phone numbers that were never used on my account- See attached copy 4.Re-insertion of incorrect information, AFTER it was corrected when it was sent to a previous debt collector : ( XXXX & XXXX ) - See attached copy I have attempted over 8 phone calls to XXXX XXXX XXXX  customer service , 2 with XXXX and & XXXX, and 3 phone calls to Sunrise creditor to resolve the issue. In 2021, XXXX XXXX XXXX held me on hold over 45 minutes with 3 of 8 calls, ending with no representative taking the call, then left with an automated message about due to XXXX. Each time discussing my concerns with XXXX XXXX XXXX collection and fraud services ; I was advised of various justifications, included : 1. Our company uses advanced billing and when you terminated services in XXXX 2021, it sent an advanced bill, in a system error 2. We can not verify your account because you do not have a 4-digit passcode* that I used from 2021. I requested the passcode to be reset, and I was advised no, and there was nothing else that could be done if I didnt have the 4 digit passcode. 
How can my account be verified and information discussed if XXXX XXXX XXXX  will not provide the on-going historical incoming calls that I have made disputing this information 3. The balance the XXXX XXXX XXXX reported is different from the collection agencys amount. 

Additionally, I have filed disputes with all 3 major credit bureaus ; without success. I have exhausted all the attempts for resolution and correction of this matter over the past 12 months. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 
I have attached my legal identification card, as well as a recent copy of my mail for your verification. 

Best Regards, 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX XXXX is my mother 's credit union. I am her daughter filing this complaint on her behalf. 

I am very cocerned and sometimes angry with the way my mother 's account is being managed and it seems to be getting worse. There appears to be ugly and distasteful tactics used in handling her account. 

The biggest concern involves her mortgage which also hab an impact on her credit ; we are requesting an audit of her account because I was informed that her mortgage payment was applied to a wrong account. 

On the most recent ocassion, my mother indicated she was ready to buy a new home we contacted the XXXX XXXX XXXX XX/XX/2022 to see if she could pre-quality for a loan. We were told by a consultant that something did not look right and that I should contact her credit union. 

My mother is XXXX XXXX XXXX and we need someone to assist us. There seems to be some deceptive practices going on with her account. She and my father who in now deceased have been account members through two names changes, and furthermore we went to the main office, sat down with the bank manager ; he assured us he would call us the nexr day and we still have not heard from him. 

Thank you for your time.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX XXXX is my mother 's credit union. I am her daughter filing this complaint on her behalf. 

I am very cocerned and sometimes angry with the way my mother 's account is being managed and it seems to be getting worse. There appears to be ugly and distasteful tactics used in handling her account. 

The biggest concern involves her mortgage which also hab an impact on her credit ; we are requesting an audit of her account because I was informed that her mortgage payment was applied to a wrong account. 

On the most recent ocassion, my mother indicated she was ready to buy a new home we contacted the XXXX XXXX XXXX XX/XX/2022 to see if she could pre-quality for a loan. We were told by a consultant that something did not look right and that I should contact her credit union. 

My mother is XXXX XXXX XXXX and we need someone to assist us. There seems to be some deceptive practices going on with her account. She and my father who in now deceased have been account members through two names changes, and furthermore we went to the main office, sat down with the bank manager ; he assured us he would call us the nexr day and we still have not heard from him. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a Citi checking and savings account XX/XX/22 with a {$30000.00} transfer from my checking account with another bank. On XX/XX/22 2 days after I was making a {$5000.00} transfer from my Citi savings account to my brokerage account, I received a notice that my transfer to my brokerage account did not go through. Upon further investigation, I found through the Citi app that both my checking and savings accounts had been blocked from my access. I have not as of this day XX/XX/22 received any formal text, call, or e-mail, or mailed statement telling me that my account has been blocked. 

The first time I was able to contact a representative, he stated that my account had been flagged for fraudulent activity and that my account was now blocked and any funds would be returned to me by check in 30-60 business days. I requested further information and was told that there was a fraudulent alert issued by the other bank account that I had originally transferred funds to the savings account from. 

Upon investigation with my other bank, they stated that this was a false statement as they do not flag fund transfers between bank accounts and that there was no record of flags ever having been on my account. 

This led to my second attempt to contact Citi which led me to a second representative who again stated the same scripted statement that my account was blocked, would be closed, and that I would receive a check in 30-60 business days. I pushed for any kind of background information after voluntarily offering to confirm my address as well as the last 4 digits of my SSN. At this point she simply wished me a good day and hung up the line. Note that each phone call takes approximately 10 robotic messages to reach a human representative. 

The funds that i've deposited in my Citi accounts make up roughly 90 % of my liquid funds as well as my full emergency fund that i'm able to pay my bills with, buy groceries, etc. Any kind of interruption in my regular income will most likely affect any financial stability that I currently have.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX fraud applications with AMEX on XX/XX/2022 and XX/XX/2022. 
XXXX fraud application with XXXX on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX  XXXX  XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/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 2022-09-08 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: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/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 2022-09-08 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:
Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX, all have 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.

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 2022-09-08 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: Nelnet, Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: WI

Complaint narrative:
I have attached proof to show that this account is negatively affecting my experian credit report and that it was legally supposed to be removed on XXXX of XXXX. That would be 7 years after the first late payment. In the last dispute, they changed the account to show current but that it was discharged from bankruptcy. This is wrong as I have the documents showing the account was charged off and the last good payment was XXXX of XXXX. After 7 years, this is to be removed via the federal government consumer laws. This was correctly removed on time from the two other credit agencies. Please correct before legal action.

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 2022-09-08 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:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am a concerned consumer and I am aware that Dept of Aidvantage may be infringing upon my rights to privacy by violating the Fair Credit Reporting Act according to the Gramm Leach Bliley Act 15 USC 1681a ( 2 ) I, consumer have the right to opt out of any and all consumer reportings and as of today, XX/XX/2022 I am exercising that right to privacy and request to no longer receive these consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: EdFinancial Services
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation