vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a report with identitytheft.gov but I am not able to get a copy of that report because the temporary passwords they send me don't work and I am unable to speak with a living person. 
see attached for other information

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Absolute Resolutions Investments is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report ( s ) of XXXX XXXX due to identity theft. 

XXXX was deleted from the credit report ( s ) of XXXX XXXX about the dates of XXXX XXXX XXXX. 

Attached is Absolute Resolutions Investments documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an account reporting to the credit bureau that is not mines and does not belong to me. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citi has been engaged in deceptive and illegal representation of amounts due, to customers. In the last XXXX months, my statements have been assessed interest when my entire account balance was at XXXX XXXX, AutoPay withdrew more than what was due on my account and now Citi is understating the balance on my account on Page 1 of the statement itself. This is illegal and deceptive and pattern of Statements, Pricing and consumer credit gone wild. 

My latest statement indicates a balance which is several times lower than what is the actual balance on account.

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 2023-01-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Contacted bluebird about money missing from my account and t told them it was numerous charges that drained my account went over all the charges and then ended conversation. Days later find out only one charge was filed. That charge was found in my favor and money was put on my account called bluebird to get rest of charges disputed filed those charges after gettting bounced around department to department. Days later told I need to file a fraud paperwork and I did that and days later get email saying not accepted, file again they say I didnt file it, ask for email again they give me wrong email, ( all on recorded line ). Sent to right email from my investigation and then l they say denied claim. Even though exact similar charge was accepted and refund given back to me from earlier so doesnt make sense they cant have proof of claim and have proof of denied claim because now only difference is amount. I got lied to and mislead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 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: Early Warning Services, LLC
State: PA

Complaint narrative:
Never gave this company any of my information or consent to have/use my information. Let alone furnish. 15 usc 1681b. Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy '' XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an account reporting to the credit bureau that is not mines and does not belong to me. 

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has failed to remove off the Transunion Credit report. Transunion has failed to properly investigate this dispute and failed to remove XXXX XXXX from the credit report. XXXX an XXXX have both removed XXXX XXXX off the credit report and XXXX XXXX has also verified removal from XXXX and XXXX. Transunion is not investigating this dispute and both Transunion and XXXX XXXX are still reporting to Transunion without any verifiable proof they should still be on the report. All accounts from XXXX XXXX shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.

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 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Mortgage bought out XX/XX/22. They have screwed up my payment every month by continuing to send the wrong account number. I have talked to at least 4 people giving and re-giving the correct number yet every month it is returned for incorrect account number by my bank. Today the person helping me said they only see one request for account number change, I have made 4-5 on the phone, changed it on the online site and even sent forms through to the mail. I have never had this type of problem before and feel that this could eventually damage my credit or that I am at risk for loan issues in the future. Also I get no timely correspondence and have to just monitor my account for payment confirmation.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX  Account Number : 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 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I have a loan agreement with affirm that I make one payment for {$110.00} a month but they debited my account for five payments consecutively on one day when I contacted them they said they were aware of the problem but said they couldn't give me an answer that it may take 3 to 5 days to get an answer and said they were not responsible for any fees that I may accrue from their mistake such as late fees or non-sufficient fund fees. I believe this is a breach of contract by affirm we had an agreement and they have breached it. Also hard telling how many customers this may cause financial hardship to with no repercussions for affirm just I'm sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
acount number XXXX am having problems with my credit, a person is using my identity and has been damaging my credit for years, here I present information about the accounts that appear to me today that are not mine. the first is from XXXX XXXX XXXX credit card date opened XX/XX/XXXX acount charging {$3100.00} contact info XXXX XXXX XXXX the second one is : Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$920.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$920.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$920.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX please help me my personal life is affected by this you can call me at XXXX XXXX XXXX I found this address and phone number of the person who is doing the fraud. 
XXXX XXXX XXXX XXXX ma XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/2022 I requested a refund of all payments made to my student loans from Mohela in accordance with the CARES act. I have received 2 loan refunds in the amount of XXXX, but I am missing two payments for over XXXX that were made to XXXX. XXXX is no longer servicing the loans. I have since called XXXX, XXXX, XXXX, XXXX. XXXX XXXX I attempted to call and could not get in contact with a representative. It has been close to 5 months without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: VA

Complaint narrative:
We have been attempting to access my online account to download two months bank statements needed to rent an apartment. Every time we call Direct Express we are told that someone from tech support will call us back withing XXXX hours. Yet, no one calls us back. We are about to lose this apartment because Direct Express refuse to do their jobs. The bank changed their website several months ago. The information on the new site says that if you are not using their app, you have to change your User ID and Password, but when you try to do that, the system claims the card is already registered. When we try using the old User ID and Password, it tells us to call the Direct Express Customer Service number. There is an option on the menu for website support, but all they will do is turn in work order that is never responded to. We are about to lose this apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have an account reporting on my credit file that is not mine. I have disputed the account with WELLS FARGO and XXXX. Please investigate and remove the items. Both WELLS FARGO and XXXX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report of XXXX XXXX due to identity theft. XXXX was deleted by TRANSUNION from the credit report XXXX XXXX XXXX about the dates of XXXX XXXX XXXX2022. Attached is XXXX XXXX XXXX documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted by Experian from the credit report of XXXX XXXX due to identity theft. XXXX was deleted from the credit report of XXXX XXXX about the dates of XXXX XXXX XXXX2022. 

Attached is XXXX XXXX XXXX documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.

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 2023-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Hello I requested a refund from my student loan payment I made XX/XX/XXXX. Which was during the pandemic, so I requested a refund with my federal student loan services Aidvantage XX/XX/XXXXXXXX. I called the every 3 weeks since my initial request and no update besides my balance being updated on XX/XX/XXXXXXXX I keep getting the same response from customer service saying its process buts its been 10 weeks. They said after the balance is reinstated theyll mail the check to my address listed on my Aidvantage account. Can you please expedite the check to my address on my Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I am a natural person, I am a living human being, and I have rights under 15 US 1681 Equifax is governed by 15 USC 1681and they have violated my rights numerous times. I demand these accounts blisted below be removed because according to 15 US 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation