vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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:
XXXX, XXXX, and transunion continue to report fraudulent and erroneous information. this is in violation of the FCRA.

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 2019-12-04 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:
XXXX, equifax, and XXXX  continue to report fraudulent and erroneous information. this is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN CAUSING DAMAGE TO MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVE AND BLOCKED OFF MY CREDIT FILE. THOSE ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE REPORTING INACCURATELY ON MY REPORT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT REPORT. KEEP IN MIND THOSE ACCOUNTS DOES NOT BELONG TO ME.

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 2019-12-04 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN CAUSING DAMAGE TO MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVE AND BLOCKED OFF MY CREDIT FILE. THOSE ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE REPORTING INACCURATELY ON MY REPORT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT REPORT. KEEP IN MIND THOSE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 explanation
Consumer complaint received 2019-12-04 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: CORELOGIC INC
State: GA

Complaint narrative:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I disputed two charges made with my Barclays Bank Delaware Credit Card to a marketing service company called XXXX for a total of {$3300.00} and Barclays failed to perform the chargeback even though I provided Barclays with sufficient explanation and evidence showing that XXXX was conducting unfair business practices ; making false statements about me accepting their terms and its no-refund policy ; and ultimately failing to deliver the benefit I paid for. 

I paid XXXX  {$3300.00} ( one charge for {$3100.00} on XX/XX/2019 and one for {$170.00} on XX/XX/2019 ) in advance for 32 video testimonial posts by XXXX XXXX on their XXXX   pages to be seen by their followers to promote the sale of my product ( the XXXX XXXX XXXX XXXX  : XXXX ). XXXX advertises and claims on the home page of their website ( XXXX XXXX XXXX ) : The content created on XXXX converts audiences to paid customers. 

I received zero ( 0 ) video testimonials I am entitled to a full refund for the total of {$3300.00}. To date, XXXX has issued only a partial refund of {$670.00}. 

I am also entitled to reimbursement of {$1500.00} worth of lost product shipped ( AND {$240.00} lost shipping and handling fees ) to XXXX that kept the product and did not post or were not approved to post as a result of not meeting content approval requirements. 

PLEASE ATTACHED UPLOAD DOCUMENT FOR FULL DETAILS AND SUPPORTING DOCUMENTS

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed a incorrect address with Equifax more than 6 times. I was told more than 6 times it was deleted. When I checked my report on my own, everything I was told by Equifax was not true. There was no deletion about a incorrect address. They would not provide who is the company who reports this fake address of XXXX XXXX XXXX XXXX XXXX NY XXXX. I dispute and they are now coming back verified now by Equifax. The agents are only apologizing about the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Need to get a deferment to stop loan payments due to lack of money Also records report that loans were taken out for a school that I never attended

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Applying for a home loan in the month of XX/XX/XXXX, suddenly a collections appears on my credit report from a 3rd party collection agency, sequium asset solution. The collection was referred to them by XXXX XXXX. In XX/XX/XXXX I was a victim of identity theft, someone opened a account with XXXX, I followed all the necessary steps to have this removed from my credit reports. I then had the credit agencies flag my account as identity theft. I filed a report with the FTC, and also put a credit freeze on with the 3 agencies. Whomever opened this account with XXXX XXXX, should not have been able to do so, seeing that my credit was frozen and flagged from the identity theft in XX/XX/XXXX. I disputed the account with the credit agencies, submitted a fraud affidavit with XXXX XXXX, filed a report with the FTC. Spend a small sum of money and alot of time trying to straighten this out, and they are telling me it will take 6 weeks to investigate. This will cost me hundreds, if not thousands in interest for my home loan. With all the safeguards I put in place in XX/XX/XXXX, this account should never have been opened, if only XXXX XXXX had tried to run my credit. I really need for this to be corrected asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Consumer fraud by Chase Bank and XXXX XXXX XXXX. 
Chase refunded ( stole my money ) my money for consumer fraud back to XXXX XXXX XXXX who broke several AZ Laws and I did not get what I paid for=Consumer fraud by both companies. 
Chase Bank is to immediately refund my {$67.00} immediately. 
I have also filed an AZ XXXX XXXX XXXX complaint against XXXX XXXX XXXX and no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: SC

Complaint narrative:
I want to thank you for helping me. I got my 5 wrong accounts on my credit report coming off immediatly from XXXX XXXX and XXXX. But expierian never disputed my debts they point blank after 2 years they have not once help me. I had to talk with many many people who saw that these accts were not mine and they have XXXX  out all those debts. Whats funny and has me really upset is the dispute dept stated to me after I was done that I owed these debt. So I have all there denials and comments of disputes. All I can say is they are big liars there that do not help anyone with serious issues and false charges. Shame on them. I will never ask them for no help and I intend on getting a lawyer to take this further because they have destroyed my life and I win this time. 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 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I have a non-reloadable VISA debit card with {$150.00} in it. I have been trying to use the card for months, but for some reason, online merchants would not accept it. I tried to use it in a grocery store today XX/XX/19, but it would not go through and claimed that it has expired. I called the company, OmniCard.com at XXXX, for help, but they just told me my {$150.00} is gone! Please help. It's quite a lot of money to just forget about. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Hello, I was a victum of violent crimes and identity theft and my business was insolvent in the crimes and compromised. American Express was part of the fraud and identity theft and I tried since 2017, to resolve the issues. I had several cards opened in my social including American Express Cards. American Express instead of clearing the fraud they gave me new cards, and I was fighting the crimes.

I could never get to a customer service person or help. I felt like my phone number was going to a corrupt customer service person. Today, I received two statements for my business charges and they should be "  debt discharge '' and I getting huge fees and interest. 

XXXX-One Statement-Business Card-due {$2900.00} XXXX Second Statement-Business Card-due- {$7600.00} I do have a police report and signed affidavit for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX  Reported : XXXX XXXX, XXXX DEPT OF EDUCATION / XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$1800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting  his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and  other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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