vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: GA

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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: LA

Complaint narrative:
please remove fraudulent/unauthorized inquiry off my account from XXXX  of XXXX XX/XX/2022. Provide proof in writing within 30 days or remove from 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 non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Selling an item online, when buyer asked for Zelle info, gave them info for payment, but saw that I have been debited {$300.00}, when I am supposed to be getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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  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 2022-08-16 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: NV

Complaint narrative:
on the XXXX of XXXX i sent letters to all three credit bureaus ( XXXX, XXXX  and transunion  ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus ( trans union XXXX XXXX XXXX XXXX ) that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.

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 2022-08-16 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: NV

Complaint narrative:
on the XXXX of XXXX i sent letters to all three credit bureaus ( equifax, XXXX  and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXE ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I received an email in XXXX that a credit card had been opened with this company. I did not open this card, I did more research to find out someone stole my identity. I called this card company to dispute these charges and let this know I was in the process of trying to fix this. But they have denied my claims. I need help in getting these charges off my record and completely closing this card down. I have filed a police report and an IC3 report, this was something the company asked me to do. They are no longer responding to me. I have frozen all accounts and filed complaints with the Federal trade commission and social security admin office. I believe the amount stands at somewhere around {$210.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
This lender-servicing company, Movement Mortgage , has failed to refund to me the annual escrow surplus in the amount of {$7100.00}. I received the required annual analysis on XX/XX/2022 and it stated " Your escrow refund check will be mailed to you in a separate envelope. '' I have called 4 times to report that no check ever arrived : on the first call on XX/XX/XXXX the representative stated that it had been sent and should arrive within the week. On the 2nd call on XX/XX/XXXX, another representative told me the check had never been cut and sent, and could not explain why. On the 3rd call on XX/XX/XXXX, the representative hung up on me. On the 4th call on XX/XX/XXXX, the representative said he would stop payment on a payment issued on XX/XX/XXXX and electronically deposit the funds to my checking account " sometime after XX/XX/XXXX. '' The representative asked to place me on a brief hold and said " XXXX XXXX XXXX XXXX  '' before I was placed on hold and then disconnected. 

They have been withholding my rightful ( and promised ) refund since XX/XX/2022. See attached " ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT '' published on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: RI

Complaint narrative:
i am natural person I am living human being .I have right under USC 1681 Equifax is govern by 15 USC 1681.And they violated my right numerous time I demand the account listed below updated status current never late According to 15 USC 1681 : i have the right to privacy and I did not give Equifax permission to furnish these account XXXX XXXX account number XXXX XXXX XXXX XXXX  : account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Item on my credit report are appearing as duplicate. I have filed 2 disputes and they both have come back as updated. 
XXXX XXXX XXXX {$1200.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX {$2500.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX XX/XX/2022 2022

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 2022-08-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SynchronyBank has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.

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 2022-08-16 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: LEXISNEXIS
State: GA

Complaint narrative:
Unlawful reporting without my consent and goes against my privacy per 15 USC 1681 ( b ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: GA

Complaint narrative:
Account never paid late, Account is paid off 100percent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MD

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 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 2022-08-16 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a hand written letter via certified mail to XXXX disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.

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 2022-08-16 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/22 through XX/XX/22 17 charges for {$95.00} had been made to my card.I did not make these charges or authorize them in any way. It is impossible to get connected with comenity bank at the number on the statement. XXXX. I have called multiple times and can not get an answer. It just disconnects.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 someone hacked into my coinbase wallet and stole BTC XXXX at approximate {$250000.00} XXXX etherium at approximately {$35000.00}. 

Coinbase sent me the following response and offered no assistance. Looking on the internet it appears this to be pretty common. They need to be shut down! 

" If you did not confirm any outgoing transactions from your Wallet, we regret to inform you that this means the funds and the seed phrase are now compromised. 

We are unable to provide specific details on how your Wallet was compromised. Cryptocurrency transactions are part of an external process, outside of the control of one entity. They can not be reversed once they are confirmed on the blockchain, therefore Coinbase can not recover the funds in these instances. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I attended XXXX XXXX XXXX ( XXXX ) from XXXX to XXXX. Upon graduation, the only jobs I could get were minimum wage jobs and my student loans payments were more than I could afford to pay. I refinances my loans with a company called XXXX XXXX XXXX which did not satisfactorily explain that refinancing would make my loans fully private, limiting my eligibility for federal student loan protections. XXXX XXXX XXXX has since gone out of business and the note was transferred to American Education Services which had managed my direct FFELP loans which remained federal loans. They list the loan as being owned by XXXX XXXX  XXXX and the school is incorrectly listed as the XXXX XXXX XXXX and not XXXX. 

This year, XXXX was listed as one of the schools implicated in the Sweet v. Cardona lawsuit which stated that implicated schools engaged in misleading recruitment practices, and fraudulent misconduct. Students who attended XXXX and did not refinance their loans will receive debt forgiveness. Because I made my loans private, I will have to pay back {$68000.00} ( principle ) on a loan with an original balance of {$52000.00}. The difference owes entirely to compounding interest with a current rate of 9.2 % Because this loan is now private, I will not receive loan forgiveness under the Sweet v/ Cardona lawsuit. It is my contention that if the original loan was based on fraudulent and misleading recruitment tactics, any transfer of the loan to a private entity is also invalid and the loan should also be forgiven. 

I am going to be XXXX XXXX XXXX on XX/XX/XXXX. My student loan balance is four times greater than my 401 ( k ) savings. If I am unable to receive forgiveness of this loan, I will likely face garnishment of my Social Security. So this outstanding loan has the potential to impose a significant negative impact on retirement. 

Furthermore, I was diagnosed with XXXX XXXX XXXX XXXX in XXXX of this year. Therefore, I will only find it increasingly difficult to make payments on this loan given the medical bills I will incur over the remainder of my lifespan. 

I can seek to have this loan discharged in bankruptcy if I am able to prove undue hardship. However, the implications of bankruptcy on my financial well-being would be significant and would last for up to 10 years. It hardly seems fair that I should be further punished by bankruptcy to unburden myself of a loan that was fraudulent, to begin with. 

I have always remained current with this loan and never entered into default. I made payments when possible and received deferment or forbearance when needed due to economic hardhsip or being in graduate school. 

XXXX loans are intended to lift people up. Attending XXXX XXXX XXXX was the bigget mistake of my life. Refinancing the loans with Loan-to-Learn/XXXX  was the 2nd biggest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TekCollect Inc.
State: OH

Complaint narrative:
This account was settled through insurance and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
This account is not mine to pay. Even with this, I am under no obligation. I've already contested this account, and you haven't shown any documentation to support your claim. Not me, please. This is false information that could harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
For this account, I bear no responsibility. Even with this, I am not under any contract. I've already disputed this account, but you haven't shown any identification of me. Not mine, this. This can hurt my credit because it is false.

Company response to consumer: Closed with explanation