vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: FL

Complaint narrative:
XXXX, Transunion, and XXXX are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and Experian are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts below are reporting on my personal credit file with EQUIFAX and XXXX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX & CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE WEINER ( Original Creditor : XXXX XXXX ) XXXX CAINE WEINER XXXX Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CA

Complaint narrative:
The accounts below are reporting on my personal credit file with EXPERIAN and XXXX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX 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 2022-02-03 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: CA

Complaint narrative:
The accounts below are reporting on my personal credit file with TRANSUNION and TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX 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 2022-02-03 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: NY

Complaint narrative:
The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-03 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my 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 2022-02-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my 3rd attempt to correct my XXXX credit report and these idiots continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you three ( TXXXX, XXXX and Equifax ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX ! I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my 3rd attempt to correct my XXXX credit report and these idiots continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you three ( TXXXX, Experian and XXXX ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX ! I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.

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 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: KS

Complaint narrative:
Since XXXX til XXXX graduating I have never been made a payment because I couldn't afford to and they would always put my loan in a forbearance or a deferment. As well as since I graduated in XXXX. I am within 9 years of retiring and will not receive much due to choices I had to make to care for my family. During all this time I filed for bankruptcy twice and was always told that I couldn't include my student loans. I even received student loans in XXXX I was not entitled to per XXXX but yet they still gave me the funds to attend school. I now owe over XXXX. Only XXXX and something in interest. Although I consolidated my loans many times in order to just have one psyment. I have no idea how I'm going to afford this. I have XXXX every two weeks for medication food and gas and it is not always enough especially when a new medication is added for treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NY

Complaint narrative:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( 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 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
I sold my house in 2020. Loan Depot reported my final payment as late, over 90 days. I was on deferred payments and still had 2 months to go before it ended when the house was sold. All came of my credit reports until this year when apparently one or more of the reporting agencies decided to verify with Loan Depot who, it seems, failed to repspond. 
I don't blame them, they already did their part. Now I'm being denied credit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank advertised that if I open up an account with {$50000.00} and maintain that balance for 3 months, I would receive {$700.00}. After 3 months, I called Citi Bank and was told that I qualified for the bonus and I would see it on my statement at the end of the month. I called several times over the course of 3 months and I did not get my bonus. My sister opened up her own account and she had to fight to get her bonus, too. She eventually did. However, they are still promising that I will get my bonus but it's been 5 months since Citi Bank VP Branch manager and Citi Bank representatives assured me I will receive {$700.00}. We've been stopping in the branch multiple times and they say it's coming. I sent emails, too. Citi Bank does not honor its word. I read online reviews, too, and other customers are having the same issue! XXXX XXXX XXXX XXXX rates Citi Bank an " F. '' Another customer at the bank was also complaining about not receiving his {$700.00} bonus. Do not trust that Citi Bank honors its promotions and bonuses. Even when I say that I will consider taking action for bad faith, they still do not care. I highly recommend finding another bank to conduct your business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion not able to add a credit freeze after applying online. The website says that a credit freeze is unavailable and to check back or try calling XXXX. 

I tried checking back the following two days with the same result so I called the number provided. An agent who answered the phone took my contact information and informed me that someone would call me back within 3 days.

I believe that TransUnion is required to add a credit freeze to a consumer 's credit file within 24 hours of a request, but this is not the case so I believe they are violating my right to a credit freeze.

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 2022-02-03 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: GA

Complaint narrative:
Equifax keeps verifying inaccurate information on my credit profile. Equifax is violating my rights under the Fair Credit Report Act. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX reporting a past due and late payments each month this is violating my rights and I have disputed this account with Equifax on multiple occasions and they keep saying it is verifying inaccurate information and did not properly verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my second complaint against Chase. This is not a duplicative complaint. My first complaint was regarding depositing a valid state government check from EDD, and Chase egregiously placed a two week hold on my funds. My valid state check is unemployment insurance that I am legally entitled. There was absolutely no reason to place a two week hold on a valid state check. I was then instructed by Chase to call the Hold Department. I was on hold for over three hours and never got to an agent. I attached a screenshot of the excessive hold time as supporting documentation for my first complaint. Two weeks later, Chase removed the hold and I received my funds. For my second complaint, I then deposited more checks from the same issuer : the state of California. Chase again, placed a two week hold on my funds. Why is Chase placing another two week hold on a valid check from the same issuer previously deposited and cleared? I have no history of bouncing checks. I am now going to leave a negative review against Chase on XXXX and XXXX reviews. If I had known in advance that Chase would place a two week hold on a valid government check, I would have never deposited my checks. I would have taken my business elsewhere. To do this to a customer during a deadly pandemic is incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
As millions of Americans do in order to report charitable giving for tax purposes, I made a donation on XX/XX/XXXX for XXXX taxes. The receiving merchant automatically sends an email when a donation is made, and we received this from them on XX/XX/XXXX. Wells Fargo states that credit card transactions are made and processed in real-time. However, they did not accurately process it, even on this critical date. They listed the transaction date as XX/XX/XXXX, which is incorrect and makes proper tax reporting impossible.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XXXX transaction on checking account that was canceled but payment released and charged to my account on XX/XX/XXXX. 

XXXX transactions not cleared and called customer service to assist and cancel fraudulent transactions and was told they couldnt do anything until posted and then I could file a dispute claim. 

Called to file dispute claim for the XX/XX/XXXX canceled/paid and XXXX I tried to cancel but posted and was told to late couldnt file claim to late and I had to call XXXX customer service. Called XXXX customer service and was told I can post a complaint but they couldnt cancel or help either. So, neither corporation carriers fraud insurance to cover the Scam/Frauds going on via the internet. Customer has lost a lot of funds and its no ones fault to correct.

Company response to consumer: Closed with monetary relief