vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Good day sir/madam, My name is XXXX, my Chase Checking Account was hacked on Friday, XX/XX/2022. I received an automated Chase Fraud Alert, and I Declined the transaction. That morning not sure how they did it, but the Hackers took {$1400.00} from my checking account without my Authorization. I've been disputing and fighting this for over 2 months, and Chase is declining my request. I had provided XXXX Gas Receipt, Police Report, and Bank Statements. I can not be in 2 Places at once, I had told them, I was gassing up at XXXX XXXX, NJ ( XXXX ) and the ( 2 ) transactions took place in Chase Branch XXXX XXXX XXXX XXXX NJ ( XXXX or XXXX ), it's a XXXX drive depending on traffic. Supposedly, according to Chase Representative, the transactions were done using Phone Tap feature. I DO NOT have that feature on my phone, I use a physical card, as I mentioned to Chase Claims/Fraud Department . Please review and advise if you can help me out. 
thank you in advance, Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
My urse was stolen several years ago, and someone started opening accounts in my name. I went to the police and did everything they told me to do to correct everything. I've been back and forth with these ppl for a few years trying to get these things off my reports. However, they are still reporting 2 items and a few inquiries that aren't mine. Please do something to help me get them 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 2022-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: NY

Complaint narrative:
Dispute letters have been sent to all credit bureaus every 30 days disputing such debt. FedLoan Company has disregarded all dispute letters requesting debt removal from credit bureaus. However FedLoan did not respond to any all the dispute letter. Amount show owed to XXXX XXXX is not correct. All dispute letters have stated information is not correct. requesting all proof of such debt. Yet FedLoan, XXXX, XXXX and XXXX are not removing such debt from my credit report. This has been going on for about 6 months back and forth and nothing has been done. FedLoan basically ignored all dispute letters send notarized. Thank you. I hope this is a better way in resolving this issue with FedLoan Disputed Center. It's been a nightmare to receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX spring oak llc, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXXAccount # 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 2022-04-26 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: NC

Complaint narrative:
These accounts are inaccurate and unverifiable. I don't know who they are or why they have my information. I am in North Carolina and the statute of limitations here is 3 years.

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 2022-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Acct # : 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 2022-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

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 2022-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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.

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 2022-04-26 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, after having numerous technical problems with the website to apply for a credit card, I decided to travel hours from my home to a Truist branch in XXXX OH to apply for a credit card in person. 

Since the beginning I was always interested in the Truist Enjoy Travel card for my travel purposes. I attended the branch in XX/XX/2022, and due to a problem with the computer system, my application went to card Enjoy Cash XXXX card instead Enjoy Travel. 

The Banker XXXX XXXX at the XXXX branch said he would sort this out with the Backoffice in a few days, but today he's on vacation, and I've called several times to no sucess. 

I have been approved for the Truist Enjoy Cash card. However, I ask that the product be changed, as I am interested in the Enjoy Travel card. The branch promised to resolve and exchange the product in 1 day, without sucess. 

All I request is that the product I was pre-qualified for, be changed to the Enjoy Travel card. 
I have called the branch at XXXX XXXX XXXX and the XXXX numbers, but the waiting time is more than 4 hours. 

Sincerely, 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 2022-04-26 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: FL

Complaint narrative:
I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.

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 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like XXXX XXXX XXXX. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie. 

They should be fined and penalized by the CFPB. 

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like 90 going north. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie.

They should be fined and penalized by the CFPB.

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
The information Southwest Credit Systems is mailing me are all false. Documents of validation was sent to them 2 weeks ago and they did not respond. I refuse to pay something I didn't owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: IL

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 Account # XXXX, XXXX XXXX Account # 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 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 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 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Threatening My fianc and I with legal action for an unverified and unvalidated debt. 
We owe no collection to any person or corporate entity. They are harassing with threatening phone calls. Sending mail on legal letterhead. Office is filled with un-licensed people pretending to be attorneys which is an actionable offense. I would also like a complaint send to the Bar Association and Attorney General. 

Upon researching the firm, They have various complaints of unethical and illegal tactics all over the United States. 

The company is flagrantly violating peoples rights under the FCRA and committing criminal fraud and extortion. They are also violation due process and violated the civil rights of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife and I attempted to close our bank account on XX/XX/XXXX. Due to an error, my direct deposit still posted to this bank on XX/XX/XXXX. Instead of rejecting this deposit, the deposit was accepted anyways. After accepting the deposit, the bank paid many different charges instead of showing the account as closed and rejecting the charges ( we were working with these vendors to update payment methods ), resulting in a large loss of funds immediately available funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TN

Complaint narrative:
In accordance with the Fair Credit, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXXXXXX XXXX XXXX ( Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : 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 2022-04-26 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: TN

Complaint narrative:
In accordance with the Fair Credit, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXXXXXX XXXX XXXX  ( Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Application XXXX dated XX/XX/22 for a Discover card application I never applied for, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  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