vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX  XXXX and XXXX XXXX  so far for me to activate when I NEVER applied for ANY of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NV

Complaint narrative:
The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: NV

Complaint narrative:
The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Cascade CISS Holdings, LLC

Complaint narrative:
I have opted for credit plus by XXXX XXXXr and they told me that they make my credit report good and but they are not doing so. 
One negative account is showing they ask me to pay I made payment to them they also not resolving them when I asked credit plus then they donot respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have a lot of credit/ debt fraud. One of the most recent is a debt for XXXX water utilities for over {$700.00} that I did not authorize. I have rental debt for properties I have not lived at and auto debts for cars I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: CO

Complaint narrative:
this is a situation started with a huge fraud issue - the fraudulent activity was my bank account got hijacked- they went in and and disputed 4 car payments - XXXX XXXX will put money onto your account while they research the dispute- they then went and did 3 charges to negate the money that was credited to my account- which netted at almost XXXX - hence why i did not notice a change in my balance. How i found out - was when my car finance company called my - threatening to repossess my car- I then called my bank and found out the issue- I immediately disputed EVERYTHING - XXXX XXXX  then created a reverse dispute- I called the finance company bank letting them know the situation - they said call back when I hear more from the bank - well every subsequent day for 3 days they were calling and threatening me all sorts of ways- not caring that this was fraud - the last day they called- they were on the way to repossess my car - would not listen that they will get the money - and I was to surrender my car- I had to beg plead and basically sell my soul to get the money to save my car {$1500.00} - in the meantime XXXX XXXX has reversed the charge backs and the money has been sent back to their XXXX XXXX account- i have called, sent an email to forward to their accounting department as they are telling me accounting does not talk to customers - this was in XXXX - we are now mid XXXX - and still calling me for payment - no one has contacted me about either crediting my account or giving me a refund - the email I sent to them clearly had the XXXX # 's amounts - dates for the money coming back to them - I do know that I can not just eat {$1500.00} due to they do not want to research - let me talk to accounting - or even make an effort to rectify this situation- i did file a police report as well - still awaiting a call back- please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: AZ

Complaint narrative:
There was a security breach with XXXX on XX/XX/XXXX XXXX XXXX XXXX where customer files were breached. I was one of those customers and my identity was compromised. i recieved a email detailing the incident. Any accounts opened or applied for durring that time period i cant claim responsibilty for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, PA XXXX. 
XXXX 's XXXX XXXXXXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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:
I have contact and retained The XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} auto loan {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : 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 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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I tried applying for a mortgage loan and a car loan and I've gotten denied multiple times and I'm aware it is against 12 CFR PART 1002 EQUAL CREDIT OPPORTUNITY ACT REGULATION B.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made payments to bogus accounts thinking they were legitimate. My emails were compromised and I received what I thought were legitimate vendors changing their ACH info. The vendors they chose have been long-time suppliers, 30 years for one, 20 for another, and 5 or 6 years on the 3rd. The scammers duplicated their statements and used names of people that I have been dealing with for YEARS. They duplicated their logos, and their email signatures to be exact replicas. I had absolutely no reason to question it. Even the email addresses appeared real, until we noticed afterwards, upon " reply '' one letter was swapped. We realized we were scammed when the last ACH was flagged by a receiving bank and returned to us. When we started to investigate we realized the other payments were compromised. I spoke to the receiving banks and they told me at the time there were funds in the accounts, couldn't tell me how much, but said if my bank, TD, sent a hold-harmless letter they could return what was available. TD sat on that for over a week and by then there was nothing left. When I set up the ACH info on my TD bank website it asks for business name, routing number and account number. One of the receiving banks told me the money went to an individual 's account, not the business name I included in the ACH set-up, even though it was bogus. Why this is allowed, I have no idea. It is akin to someone cashing a check made out to someone else. I feel BOTH my bank, TD, and the receiving banks are complicit in this because they allowed they didn't match all 3 criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 n now im XXXX n cant provide to my XXXX year old 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 2022-09-15 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: 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  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/XXXX I deposit a cashier check for {$15000.00} I purchased the check from my Chase Branch myself with my ID and I purchased into my account and Chase said it was a fake check how if I purchase it from the bank they closed my account due to that saying they needed a receipt thats fine because I had one but no one asked for it so how was I supposed to know and I have remaining funds in my account they wont let me take out. I feel as though Im a XXXX XXXXXXXX woman I cant afford to have {$15000.00} but thats wrong because Im XXXX XXXX XXXX Im in XXXX I attend XXXX University at XXXX XXXX Im at XXXX I have to put down on a loan and a down payment for my car but I cant because they closed my account because they said the check was fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WI

Complaint narrative:
Contacted for refund on payments made after XX/XX/2020. Was told to wait 5 months to process, seems way too long. Want to apply for forgiveness and want refund processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I called the company in XXXX when I received my first statement. I should not have been charged the annual fee because I signed up for autopay on the day I opened the account. They told me in a couple of days, I would receive the refund. I never received the refund. I called back again and was told two billing cycles, and I would receive a refund of {$39.00}. I also received an email back in XXXX saying XXXX billing cycles from the company. I am going on my fourth billing cycle, and I have yet to receive the refund from the company. Every time I call to ask questions about the refund, I am told someone will follow up with me. First, it was XXXX business days, then I was told XXXX XXXX  and I have yet to have this issue resolved with the compny.

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My wife and I are authorized users on my son 's and daughter 's checking and savings accounts, which are all at USAA. My son 's accounts experienced fraudulent activity beginning in XXXX. The criminals gained access to his account and multiple online charges were made. USAA investigated and determined they were fraudulent, but multiple calls were made to and from my son with us and USAA. One of the calls used the same authentication process that USAA always uses but it was criminals. They gained access to his credentials, made a {$25000.00} deposit to his savings account, transferred the funds to his checking account, and then requested an official check to someone in another state that created a negative balance. The fraud department communicated with my son and told him they would be closing his accounts once the investigation completed and his account balances were returned to their state before the fraud took place. Today, USAA withdrew all of the funds from my wife 's and my checking a savings accounts, my son 's checking and savings accounts, and my daughter 's checking and savings accounts. Approximately {$10000.00} was removed from our accounts today, meaning we have no money to pay remaining bills and purchase groceries or fuel for the month. XXXX  of my children are college XXXX in other cities and now their accounts are also at {$0.00}. I spoke with a representative at the highest level at USAA Banking and she said that since my son was deceived by criminals posing as USAA and my wife is an authorized user on his account, they had the right to remove all funds from any other account where she is an authorized user. In addition to the funds USAA removed from these accounts today, they also never rectified the situation with my son 's savings account, meaning they didn't replace over {$5000.00} he had saved that was taken fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief