vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2022-03-15 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my credBy the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received an on line loan with ace in XXXX with payments set up on auto draft. I was able to make a few payments and had some difficulties and cancelled the auto draft. I can not access my loan any longer on their web site and someone is writing manual checks and still taking the payments out my account without my authority. I can not get them to stop and also i have no access to my loan anymore to view what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/22, I went to the Chase Bank located at XXXX Main XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. To deposit and get cashback from my work check. The total amount for my check was {$1600.00}. I told the teller that from my check I wanted to deposit {$860.00} to my checking account and {$790.00} cashback. The teller made a mistake and he did the transaction backwards. He thought I wanted {$860.00} in cash and {$790.00} as deposit in my checking account. When he notice his mistake, he changed it and he told me that he was going to do all over again. The teller did give me {$790.00} in cash and I pressed the green button that {$860.00} were deposited on my checkings account. 
On XX/XX/22, my husband noticed that the bank did not deposit to my checkings account my {$860.00} but the bank took that amount from my account. That day we drove to the bank and I spoke to a floor person named XXXX and he went to talk to his supervisor XXXX XXXX who told him that it was the bank error and the {$860.00} were going to be deposit to my account in the following days. 
On XX/XX/22, my husband noticed that the bank instead to deposit the {$860.00}, Chase took an extra {$790.00} making a total of {$1600.00} that the bank now owe us. I requested time-off from my work to go to the branch again and I talked to the same floor person XXXX and his supervisor and they told me exactly the same thing, they will check and they call me ; however, they never did. 
On XX/XX/22, we noticed that Chase deposit {$790.00} into our account but they took {$860.00}, making a total of XXXX that now Chase owe us.Once again I came to the branch and nothing was resolve. 
On XX/XX/22, we received a notification that our account was overdraft as Chase took extra {$790.00} from my checking account and left it empty with overdraft charges and taking extra more money. The total as now is {$2500.00}. My husband and I went to the branch as early as the branch opened and talked directly with the manager XXXX XXXX who with an attitude told us that she checked our account yesterday and they are still working on it. The manager said that she was going to keep working on my account so we told her we are not leaving until we get our money back today. The manager went to the back of the branch and we were waiting for over an hour until she sent someone to tell us that it was going to take longer and we can leave and she will call us. At this point nothing has been resolve. I am late with my payments which the {$860.00} were going to cover those bills, I am overdraft in my account, I have XXXX dollars in my account, my husband and I had to request time-off from work again to go in person to talk to the manager branch, waste gas money, time, stress and the bank is not helping but all the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 am the victim of identity theft. There is an account on my credit report from XXXX XXXX XXXX XXXX that Transunion refuses to remove. My identity theft report was submitted to them repeatedly asking for removal of this collection account, and I let them know the account was opened fraudulently and not mine. After months of disputes it remains 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 2022-03-15 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: PA

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my EXPERIAN Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$640000.00} ;

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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I am filing this complaint about PHH Mortgage ( Phone : XXXX, XXXX ) for holding escrow fund at their end and not paying for property taxes and keeps letting it delinquent after the due date ( XX/XX/XXXX ) for XXXX property taxes. After communicating with the company for several times over past several weeks, still no payment on taxes was made yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance - BXXXX XXXX XXXXXXXX XXXX Reference Number XXXX Amount :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I want to submit a complaint to you about the inaccurate customer service I have been receiving from AidvantageXXXX. The first complaint is I was told the Department of Education thru email dated XX/XX/XXXX that my student loans would be transfer to Aidvantage effect XX/XX/XXXX and I should receive a welcome letter. I never received a welcome letter and when I tried to contact them the representative could not locate my loans and advised to check back. On XX/XX/XXXX I checked Aidvantage website and had to request new password to login after I was advised that my username and password would remain the same. Second I have tried multiple times to use Aidvantage IVR system and each time it says it does not recognize my social security number or loan number. My third complaint is the customer service representatives are unable to provide me with my student loan information and if the loan types I have are eligible for the public service forgiveness plan. I was needing to find out how many payments have been made toward the XXXX required payment. In addition if my loans are in the correct payment plan and loan status to qualify for the public service loan forgiveness plan as I am a XXXX  employee in XXXX XXXX. I was told I would have to call XXXX XXXX XXXX to get that information. When I contact XXXX XXXX XXXX they advised that they could not access my loans to verify if they are in the correct loan status or confirm how many qualified payments I have made. I feel like I continue to receive the same run around with each representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.

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 2022-03-15 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: PA

Complaint narrative:
I am a victim of identity theft. I did not open/authorize the above 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 non-monetary relief
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
I am a victim of identity theft. I did not open/authorize the above accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 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: CA

Complaint narrative:
I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.

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 2022-03-15 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: AL

Complaint narrative:
Okay I sent in dispute letter to Transunion and I also sent in last year some ftc report stating that certain accounts wasnt mine they still chose to keep those accounts that wasnt my on my credit report so yes this is most definitely a problem they didnt investigate anything properly so I file a police report on one of the accounts that I stated wasnt mines after Transunion still kept it on my credit report when I politely ask them to remove it something need to be done about this ASAP please remove the fraudulent account from my credit report this account is XXXX XXXX XXXX balance on this account is {$520.00} please remove this or I will be taking legal action Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: U.S. BANCORP
State: WI

Complaint narrative:
" IDENTITY THEF '' XXXX  XXXX, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXX XXXX  XXXX ( AUTO ) Date : XX/XX/XXXX XXXX BANK Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.

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 2022-03-15 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:
For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.

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 2022-03-15 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: FL

Complaint narrative:
For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.

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 2022-03-15 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 XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 two year old daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation