vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday XX/XX/2021 at around XXXX pm I received a text notification from Chase about a quickpay transaction that was in process asking if I was doing it like they usually do. I answered no and they replied saying that I couldn't use my account until they talk to me and gave me a phone number they were going to call from and mentioned that it was the number on my card. Five minutes later I received a call and before answering I verified that it was actually the number on my card, the customer service number from Chase. The person didn't ask me any personal information just verifying the name of the person on the transaction to see if I knew it and my email address and I again said that I didn't process it. He mentioned that XXXX XXXX was the bank that was requesting the money and that they said that the only way to process the refund for the money was to process another transaction to myself using the email address on my account for the {$600.00} which I did because I was sure that I was talking to someone from Chase Bank and I was sending the money to myself. After that he told.me that they'll take care of everything and my account will be blocked for 48 hours. Since the money was taken from my account I went to one of Chase branches to see what was happening with my money and they told me that they can't do anything because I initiated the transaction, that it looks that somebody copied their phone number to do the scam. Something that I believe is not fair because how I was supposed to know that the person calling wasn't actually one of their employees if I verified the number on my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.

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 2021-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX  ( XXXX XXXX ) 2 accounts

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 2021-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus XXXX, XXXX, Experian as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus

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 2021-07-15 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: FL

Complaint narrative:
Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are Fraudulent 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2021-07-15 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 is knowingly allowing XXXX XXXX XXXX to report inaccurate information. I have disputed this a few times with XXXX  and yet they are still allowing the incorrect information to be displayed. The company is reporting on the payment page that I have made no payments at all this year. Under payment month a C ( charge off ). If I have made no payments like the information is stating then how did my balance go from {$480.00} to {$350.00}. I want this information corrected. I have a letter from the Company showing that I made a payment in XXXX and another in XXXX. I also made a payment in XXXX. See the letter it shows {$50.00} payment made XX/XX/XXXX. {$40.00} made XX/XX/XXXX. XXXX + XXXX XXXX $ XXXX $ XXXX {$130.00}. If {$50.00} + {$40.00} XXXX and that is subtracted from the original Balance of {$480.00} then a balance of {$390.00} remains. since my balance is {$350.00} its obvious I made another payment of {$40.00}. See attached dispute results dated XXXX After my dispute XXXX is still showing no payments made anytime in XXXX. If a creditor pulls my credit file it will appear to them that I have made no payments on this account when in fact I have made several payments. I want the correct and truthful information posted on my credit report by XXXX or the report deleted from my file. Transunion is allowing the same company to also report inaccurate information. I tried to dispute this information with Transunion but they informed me that I have one on going dispute and can not file another dispute ( despite the fact that they are reporting false information ) until that dispute is resolved.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus Transunion, XXXX, XXXX as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus

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 2021-07-15 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: FL

Complaint narrative:
I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX ( XXXX XXXX ) 2 accounts

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 2021-07-15 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: FL

Complaint narrative:
I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX  ( XXXX XXXX ) 2 accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-15 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I am not sure what is happening at Equifax but I contacted them and provided the information that they requested from me about inquires, which are fraud reporting on my credit report. They told me to send the attached identity theft report but they did nothing but sent me a computer generated letter. Please look at this report & delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
American Education Service has been communicating incorrect information regarding my student loans qualification for Public Service Loan Forgiveness. 
In 2013, I enrolled in an Income Based Repayment Plan following being denied for Teacher Loan Forgiveness with them. I have been paying on the Income Based Repayment Plan since 2013, as a requirement for PSLF. 

Last summer I did some reading regarding loan forgiveness as I was planning to buy a home. I discovered that I had FFELP loans do not qualify for PSLF. These loans would never be forgiven as they are not Direct loans. Further, I needed to consolidate them as Direct loans with another company I contacted AES and made a complaint. I then consolidated my loans with Fed Loan Servicing, not knowing that these two companies are sister companies. 

I understand that it is my responsibility to read. However, I was following the recommendations of a specialized department that handled loans. 

I truly don't want to start over. I am seeking to gain those years back that I paid on IBR. Additionally, I am working with the sister company of AES, which is very concerning because they have been misguiding me for years. I have submitted a complaint with their Solutions Department and I have not received a response. I have also shared this with their sister company Fedloan Servicing. 
After continual sharing of my problem with Fed loan Servicing. A FedLoan representative shared that AES notes state that they recommended that I consolidate in 2013. This was blatantly untrue and I am concerned that FedLoan is covering for American Education Service. Additionally, despite receiving the alert that the Fed Loan was recording the call, they shared that I was not allowed to record the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
This was a supposed installment loan because my husband was unemployed and i am XXXX, to help pay bills, car payment, rent electric that had been cut off and was trying to feed a family of 5. They continued to attach interest and late fees. This is definitely predatory lending. I also asked them to extend the payments which they refused to do. Or to reduce the payments so i could get caught up, which they refused. The calls were threatening. As are the calls from most collection agencies that have this type of clientele. Its fraudulent how much money this has increased from the original loan. Unfortunately due to covid we can barely make ends meet. 
Bottom line i do not have the money to pay {$100.00} let alone $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
NCA has bought a debt from XXXX XXXX for XXXX. Supposedly in my name. Ive disputed this account information multiple times with all three credit bureaus the debt is not mine. After the nca continously has denied my disputes I called XXXX XXXX  corporation myself. They have no loan information regarding my name that even matches this account that is here say being said mine they confirmed they didnt have any loans for myself currently or previously. That the information was a facade and not to pay it I then disputed it again and yet again theyve denied my dispute this is a huge negative factor and the only one I negatively have on my credit reports and its very much negativly impacting my score being that it is the only thing I have in collections because Im not paying for something that isnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from TARGET CARD SERVICES. TARGET CARD SERVICES has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. TARGET CARD SERVICES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). TARGET CARD SERVICES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. TARGET CARD SERVICES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? TARGET CARD SERVICES has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). TARGET CARD SERVICES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified TARGET CARD SERVICES in writing that I refuse to pay the alleged debt and wish TARGET CARD SERVICES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since TARGET CARD SERVICES has failed to comply with provisions of 15 usc 1692 TARGET CARD SERVICES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I have spoken with several different employees at Experian explaining that the iquries that are on this identity theft report are a result of someone stealing my identity and I have no clue how they got my information. I have been included in several companies where information has been breeched but until now I am just noticing things that were 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 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation