vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This account is not mine and is fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX is not on any of my other credit reports as it is NOT MINE. please remove ASAP. 

Equifax and XXXX funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than XXXX business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete this IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I would like a complete accounting, including description and date of all transactions posted to the account from XX/XX/XXXX to XX/XX/XXXX. If possible please provide the information in both a XXXX  file as well as a pdf format. I have found the pdf format of the transactions extremely hard to read. For example the font and space are too small.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
on XX/XX/year> I was alerted that a collection was added to my file by an collection agency named caine & weiner company the original creditor was progressive. I then contacted progressive letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting 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:
I have contacted the creditors and credit bureaus because I have multiple errors of hard inquiries pulled on my credit file with transunion that they are refusing to remove. 
The following hard inquiries that were not requested by is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union received my dispute regarding FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) 2 ( ) which states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX then on XX/XX/XXXX they requested my identification that I already sent to them at least 3 times already 2 times via USPS regular mail and uploaded via CFPB at least one time already and will upload it again in this complaint. 

In accordance with FCRA 611 ( a ) ( 1 ) ( A ) Trans Union has FAILED to conduct a reasonable investigation in 35 days and is compelled to delete : 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I have requested proof of any documents that support the accounts that they are reporting on my reporting with my signature on it. They are still not cooperating.I have no other choice than to take legal actions against them which means a judge will request the documents. 
They're in violation of FCRA 15 USC 1681g. I NEED ALL DOCUMENTS WITH MY SIGNATURE AND ANYTHING THAT REFLECTS MY CURRENT ADDRESS AND SSN. I already send them a copy of my SSN CARD AND PROOF OF ADDRESS. 
Then they wrote me saying they still need the documents which they already have.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/ I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/ without my permission

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently submitted disputes letters to Experian, XXXX and XXXX XXXX like a credit repair company.I sent those letters out personally. I'm not a credit repair company.I just want them to reinvestigate my accounts that I attach below to make sure the account on my credit reports.

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 2024-01-17 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
was charged a deposit for {$15000.00} to make sure I have enough money to bid on my card for a charity auction legend on the same day and an hour later I bid on something they charged me {$5600.00} I disputed this charge Citibank gave me a provisional credit and they took the credit back on XX/XX/XXXX I wrote them a letter gave explanation after I did that four different times they responded on XX/XX/XXXX and told me theyll give me the credit back on XX/XX/XXXX and this investigational will be completed its been almost 3 months I dont know what the law states but theyre taking too long to investigate this I want my money back I want the credit this is ridiculous this was just a deposit

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 2024-01-17 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
on XX/XX/24 I was alerted that a collection was added to my file by an collection agency named XXXX XXXX  XXXX company the original creditor was progressive. I then contacted progressive letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit 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 2024-01-17 00:00:00
Product: Credit reporting 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:
on XX/XX/24 I was alerted that a collection was added to my file by an collection agency named XXXX XXXX  XXXX company the original creditor was XXXX. I then contacted XXXX  letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XXXX  For reporting fictitious allegations and fraudulent debt Also I have informed Transuion XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXX For reporting fictitious allegations and fraudulent debt Also I have informed XXXX /Experian and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action

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 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I received a phone call for Central Portfolio Control rep XXXX XXXX who advised he was attempting to collect a debt for XXXXXXXX XXXX I advised him that i don't have any debts with XXXX  and to not contact me again and any correspondence that he has to please send to the address that he has on file. I also to him that it was a direct violation according to 15USC 1692 for him to obtain my personal information when i have no debt with this company and did not supply them with that information myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
COMPLAINT XXXX WAS FRAUDULENTLY MARKED AS A DUPLICATE BY CHASE! 
COMPLAINT XXXX IS NOT A DUPLICATE! COMPLAINT IS ABOUT THE SPECIFIC INCIDENT IN THE SCREENSHOT WHICH OCCURRED ON XX/XX/24 AND THEREFORE IS NOT A DUPLICATE WITH ANY COMPLAINT FILED BEFORE XX/XX/24. 

ANSWER THE XXXX COMPLAINT! AND IN ADDITION EXPLAIN HOW YOU ARE GETTING THE CFPB TO CENSOR MY BY ABILITY TO RESPOND TO THE COMPLAINTS! " SURVEY NOT FOUND ''. SOMEONE IS DISABLING IT ON THE BACK END. IS NOT ACCESSIBLE BY CFPB AGENTS OVER THE PHONE EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2024 we have tried to open an credit card account from XXXX card and they informed us that Equafax has reported falsely information and we would likely to receive the report ASAP. Falsely reporting information constitutes defamation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
They told me that they were going to send me out another one and I'm still waiting for the card it's been months and still no card direct Express card..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to XXXXhe point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I submitted a paycheck from ADP from my employer from an Iowa bank in Iowa which I live. I went to my bank, Bank of America. The check was for {$1200.00} and some change. It was my paycheck. Ive never had a problem with their checks being returned before. The bank is holding my check until a WHOLE 7 days because information on the check indicates it may be returned this is such a bologna reasoning and I need my money to pay my bills. Requests for payments have been returned in my account however, NEVER HAS A DEPOSIT BEEN RETURNED. This is crazy and I need my money and they shouldnt be doing this with at least giving any temporary available funds or trusting their customers.

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