vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The mortgage company I believe is ripping me off, The mortgage principal is not going down as we expect it to. When I tried to refinance with XXXX XXXX  XXXX XXXX the mortgage company I belong to wrote that company a letter indicating that I was behind in my monthly payment which was not true causing the refinance not to go threw ; then sent a letter explaining his office made a mistake writing that letter. It just seems that I am never getting out of this mortgage loan and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was XXXX  and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the Equifax Data Breach. 

So I am complaining because I have given the double amount of time that the law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dear equifax, I am writing to dispute the following information that appears on my equifax report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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:
I would like to file a complaint because a bankruptcy is showing on my consumer report. 
The United States Bankruptcy Court does not furnish, provide, or sell information to 3rd parties like credit reporting agencies. This information was obtained from XXXX XXXX who gets information from Pacer.Gov which is public access to electronic court records. XXXX XXXX is a for profit company, and sells consumers information to the consumer reporting agencies. My social security number is not a public record, and if I did not report it, and the United States Bankruptcy court did not report it, then an account was created on my behalf, without my consent, and that is identity theft. 15 US CODE 1681B Permissable purpose of consumer reports ( a ) ( 2 ) of this law states that any consumer reporting agency may furnish a consumer report under following circumstances and, no other In accordance, with the written instruction of the consumer to whom it relates to. Permissable purpose equals written instruction, without permissable purpose is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In late XXXX, 2023, due to the news about the collapse of XXXX XXXX Bank, we decided to distribute our cash deposits across more banks instead of putting them in only a few banks. Attracted by the good saving rate of Citibank at that time, we opened a new saving account with Citibank and transferred a total amount of {$150000.00} from our account at XXXX XXXX to our new account at Citibank. 

About a week later, we noticed that we could no longer access all our Citibank accounts ( including our existing credit card account ). We immediately reached out to Citibank trying to find out why. After numerous phone calls with their customer service, which took approximately 7 hours in total as well as countless call transfers and even abrupt hangups, we were finally informed that our new account was under checking by Citibank. They said the reason is that they suspected fraudulence with our new account, since our new Citibank account was under the name of the husband and our existing account with XXXX XXXX was under the name of the wife. 

Citibank customer service also told us that they would not restore our new account, but would refund XXXX {$150000.00} in the form of a check within XXXX to 60 days. Therefore we waited till mid XX/XX/2023, when we still had not received our refund. After that, we reached out to Citibank customer service again. This time, they told us that they would have to wait until XX/XX/2023 to close our account, and we should get our refund approximately XXXX weeks after that, which should be mid XXXX, 2023. 

Yet until today, XX/XX/2023, we still have not received our refund. In the meantime, Citibank never tried to contact us, either about verification or update. 

We therefore demand Citibank to refund our money immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX, XXXX, XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
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 2023-09-03 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX I received a text alert from Synchrony Bank fraud department ( the bank that runs my Venmo Visa Credit Card ) about potential charges. I denied the charges. 
I was alerted of XXXX charges at once via text ( XXXX ) I replied XXXX denying the charges {$170.00} a XXXX XXXX Over {$6400.00} at Dal Tile And a approved charge, greater than my credit limit, {$3200.00} also at Dal Tile. 
( My credit since I got the card Im XXXX of this year, XXXX, had been {$2000.00}. I received no notification or confirmation of this increase. Venmo told me the increase happened the day of the fraud charges ) I was auto called by the fraud department. I Denied the charges being me. The person I spoke to someone who needed to have me send a video of me and my ID in video via a link- the app link would not work and he could verify my identity in any other way. So couldnt get any info. 
I called Venmo to freeze my account and dispute the claim. After repeatedly being told I was not responsible for the charge- XX/XX/XXXX the charge went from pending to complete I called and sent messages to Venmo fraud department again and was denied any info about the case or someone to talk to about it and gather, and or give info. 

My statement showed the location of the XXXX charge from XXXX on my app statement. The location was XXXX VA I contacted the business and spoke to the store manager on XXXX XX/XX/XXXX. He said he has the persons contact info and was looking into and was going to verify the credit card number. As of today XX/XX/XXXX I have not heard back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am white and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Aidvantages promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of Education/Aidvantage with the account number XXXX to remove their debt immediately from my credit profile. I am white and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Department of Education/Aidvantages debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Aidvantage has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
AFFIDAVIT OF TRUTH AND FACTS I XXXX  ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by XXXX if inaccurate and false. I have mailed a copy of the requested information thereto XXXX XXXX and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX XXXX XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXXt ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by XXXX XXXX, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. XXXX is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX  XXXX XXXXl I am not a XXXX XXXX  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX  XXXX XXXX and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
AFFIDAVIT OF TRUTH AND FACTS I XXXX  ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by XXXX if inaccurate and false. I have mailed a copy of the requested information thereto XXXX XXXX and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX  XXXX  XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXX  ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by XXXX XXXX, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. XXXX is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX XXXX  XXXX  I am not a XXXX American  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX XXXX American and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reached out to the credit bureaus and I have explained to them nemerous of times that I am a victim of identity thief. I supposed to have a fraud protection on my account but still someone is still tryng to use my information and has gotten credit cards and revolving credit in my name. XXXX, Equifax, and XXXX is reporting a account name XXXX XXXX that I never opened for the date of XXXX XXXX. I never opened XXXX account XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I never opened a XXXX XXXX XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I aslo did not authorized these inquires : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. My personal info for XXXX, Equifax and XXXX are reported wrong such as address and employment info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed my student loan account with Experian twice and twice they have lied about investigating my complaint and have refused to uddate the account to refelect a XXXX balance and closed despite me providing them proof. I feel that they are purposely refusing to update to harm me and incorrectly report the amount of debt I owe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent over 20 dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent over XXXX dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent over XXXX dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.

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