vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I went to a car dealership to get a car, I told them I want to finance through XXXX XXXX XXXX, they told me they would only apply for finance with XXXX XXXX XXXX and instead I ended up with all these hard inquiries below that I did not consent to. Upon reviewing my credit reports I noticed incorrect addresses, phone numbers and unauthorized inquiries. 

XXXXXXXX XXXX XXXXXXXX ( transunion ) XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX transunion ) Bank XXXX XXXX XXXX XXXX ) XXXX of XXXX ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN IS REPROTING INCORRECT ADDRESSES

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 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Company is JPMorgan Chase Bank. Called XX/XX/2022 because I had an amount of {$200.00} sent by mistake to someone that I dont know and they told me they can not do anything to get my money back. The person I sent the money try to scam me sending a fake check to me. When I tried to send money it blocked me out my account and that money went out to the scammer. The long story short is because he asked me for a drawing and then he sent a fake check and then he wants money back so I tried sent him money back but the I realized its a scammer. Hope someone can help me tru this. Its my first time with a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 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 n 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 21 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im 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 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I am a victim of identity theft and have sent documents proving that to this company since learning about this account. Most recently I have also advised all three bureaus to freeze my reports. the debt they are seeking to collect from me does not belong to me I would like it verified and the method of verification and all actions taken on my report sent to me. They have called me requesting that I send them a copy of my SS card. Remove this from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have issued a factual complaint and the reporting agencies responded that the information has been verified as accurate. However, I am highly doubtful that any investigation occurred because my report is filled with lots of inaccuracies across all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have a Wells Fargo Active Cash card I applied for in XXXX. To start, the credit limit they gave me was insulting. My most recent issue has to do with a payment I made. I made a payment on XX/XX/2022, which posted to my account online and was taken from my checking account on XX/XX/2022. My card was declined at a grocery store today, XX/XX/2022, but when I left the grocery store the charge was sent to me from Wells Fargo 4 times. I called Wells Fargo and they told me I could not use the card because I reach my limit. They said that my account payment was on hold for XXXX weeks to ensure that the funds are legitimate. I have use this same checking account to pay off my card before, they already have taken the funds out of my checking account 2 days ago, and they also posted the funds as if they cleared to my card on my online banking. How can a credit card company take my funds from my checking account and not post them/hold them on their end when theyve already taken the money? I am not sure how to move forward with this, but this is completely unacceptable and in my eyes fraudulent. If I made my payment and they took the money, it should be applied to my account on the date the money with withdrawn from my checking.

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check as I do monthly from XXXX XXXX on XX/XX/2022 for {$10000.00} at the Truist Bank location in XXXX, Florida. XXXX days went by and I realized the bank withheld {$4400.00}. I called the bank after waiting more than a hour spoke to a representative and supervisor both of their reply was " check verification for available funds. '' That is a lie because the check cleared on XX/XX/2022 XXXX XXXX gave me copies proving the check was cleared. I went to the bank also spoke to a supervisor she told me they were holding the money and she wasn't allowed to override, she also said it happens. Five days short on funds I get a notice from Truist of exceptional hold, with a disclosure informing me they will refund me any fees for overdrafts or returned checks that result of this additional delay that they are imposing. How is this allowed? I deposit the same checks for the same amount most of the time, after a history search, I found all deposits for the last year and before that to be available within 24 hours. This imposed a big problem for me causing me to have to borrow money, it took past 12 days how is that allowed?

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 2022-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: KS

Complaint narrative:
On XX/XX/XXXX I had contacted XXXX student loan servicing to request a refund on my student loan payments starting from XX/XX/XXXX to the present day of the call. Under XXXX XXXX I should be elegible for the refund of those payments. However, I did not receive confirmation of the request, nor in electronic form or in writing. In called back again today XX/XX/XXXX and received information that my request was processing simply by oral confirmation through the phone. I still requested confirmation in writing that my request is in process, they however declined to provide such proof. Furthermore, the current balance on my account does not reflect that a request has been made. Through my communication with XXXX, they expressed that a refund check would take more than 6 months, however, the statement on my account should reflect the balance after a refund at this point, which is not the case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX IS REPROTING INCORRECT ADDRESSES

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX IS REPROTING INCORRECT ADDRESSES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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 this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im 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 2022-09-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I keep getting repeated phone calls from a XXXX, North Carolina debt collecting company that identifies itself as " Sequium. '' I do not owe debts, and every time they call back they ask if I'm somebody else. I've repeatedly asked them to stop and told them they have the wrong person, that they need to stop calling me, and they refuse to quit. It's getting in the way of my college classes, as these calls are almost nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
XXXX - saw that I was a victim of identity left because my credit score was dropped by XXXX points. Saw that the company was a utilities company in TX by the name of XXXX XXXX. Called them and disputed due the charge and let them know the situation. Then called the collections agency and alerted 3 credit companies. 
I have not filed a police report, but plan to do so today 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 2022-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I called and talked with Firstmark customer service a few weeks ago about military benefits ( Servicemembers Civil Relief Act ). I told customer service that I received an e-mail that stated, " XXXX XXXX is not indicated in orders. Please provide your most recent XXXX XXXX orders for secondary review ''. I explained the situation and told them where they could look for the words XXXX XXXX on my orders. I ended up getting put on hold several times for the duration of an hour. Every time I was put on hold there was a different explanation. I was told that I had to be current XXXX XXXX, but when you look at the website it states, " If you are currently serving or have served on XXXX XXXX ''. Then I eventually got hung up on. I called back and talked, to another customer service rep and was told to resend my orders and highlight the part that says XXXX XXXX. I sent my highlighted orders and a screenshot of their website. Its been over a week and still no response. On XX/XX/12, I called Firstmark Services to follow up on what was going on with the response to my Servicemembers Civil Relief Act, and was told that I had to be currently on XXXX XXXX, which is not what their website says.

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

Complaint narrative:
The online reporting portal states the account bearing the credit profile with my name has been suspended. Why do I not have access to what's being reported? The username and password are correct.

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 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I received a text and then a call from what appeared to be my bank. The caller id said PNC Bank. I was told there was a request to send money via XXXX  that looked supicious. They asked me if I had authorized a transfer of money and I hadn't. They then walked me through a process to prevent the money from leaving my account. This process actually sent them {$1000.00}. As soon as the process completed they hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I consistently informed the collection agency the debt was not valid. I also requested validation of debt several times. It wasnt until months later they provided me with my lease agreement as well as a document that wasnt at all accurate. Since then I called the original creditor XXXX XXXX and requested my ledger which I will attach below, which not only validated my statements, and also provided fraudulent activity by management on my account. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was charged XXXX from my account and didn't get any products .I was told by the employee from the store that there system crashed and I had to go inside and pay on XX/XX/2022 and I sent the receipt that I had to the bank but they keep telling me I haven't sent them enough evidence on my account XXXX and XXXX was taken out on XXXXThey said they sent me a letter but have not received anything

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Most recently letter sent XX/XX/22 requesting removal of incorrect accounts and personal information the credit companies are not complying with their own policies in a timely manner.

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 2022-09-09 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, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I demand the accounts listed below be removed because According to 15 SUC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these 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

Company response to consumer: Closed with explanation