vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these inquires below be removed 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 2022-01-14 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: FL

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, Mr. Cooper charged me a $ XXXX county fee. This fee was included and paid on XX/XX/XXXX during my closing. My closing cost detail sheets include this fee paid to the county. Also, Mr. Cooper charged {$5.00} in " other fees due '' for a service that was not rendered nor authorized. I never authorized an Exp Quote Delivery Fee. On XX/XX/XXXX, I placed a call to Mr. Cooper requesting an immediate payoff letter. The representative stated I needed to call back in a week and that expedited payoffs via email have a fee. I refused to pay the payoff fee and asked for a written notice on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. My request was intentionally delayed by staff. After multiple requests, I received the payoff on XX/XX/XXXX. Although, I received three other notifications from Mr. Cooper within that timeframe, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request reimbursement for these erroneous charges totaling {$55.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
XX/XX/21 XXXX XXXX XXXX sent me a letter stating they were pursuing debt payment of {$130.00} for a PayPal account in the name of XXXX XXXX. the notice doesn't say when the debt was incurred. I called them to explain that isn't my name and that I have an active PayPal account of my own with my correct name. They sent me a " Response to dispute and verification notice '' and wanted me to have it signed by a notary public but the paperwork is still addressed to XXXX XXXX, which is not me, XXXX XXXX. XXXX XXXX XXXX also believed this was probably a fraudulent attempt to collect money. XXXX XXXX did state that this fraudulent PayPal account was using my social security number but had a bogus email account tied to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXXZALES has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, On XX/XX/2021 I accessed my Chase.com bank account to send funds through XXXX to one of my vendors. A little later, I received a message that the payment was under review and shortly after my online account was blocked due to fraudulent activity. 
The email I received indicated that I have a secure message in my online account and that I need to log in to review and reply. The problem was that my online account was blocked, so I couldn't access the account and review or reply to the secure message. 
I was trying to get an agent on the phone just to be told that I need to speak to someone from the fraud department. After XXXX (! ) hours on hold, the call got disconnected. 
I tried to reach chase representative through the social media, just to be told that they are unable to help. I was offered an option to meet with a banker at the branch, however I will need to schedule an appointment and that can take 7-14 days for appointment availability. 

After few attempts, I was able to get a representative from the fraud department who not just asked me to identify myself ( which is fair and expected ) but also insisted to know why I was paying the person on XXXX and what type of work he performed for me. 
When I answered it is private and not the representative 's business, I was told that without a reason, he will not open up my online account. 
That was finally resolved on XX/XX/2021. 

Today I was trying to pay another vendor {$800.00} and was immediately saw that this transaction is under review. Shortly after, my account was blocked again. 

While this bank account is not my main personal account, it is unacceptable that I can not access my account and the financial institution is fast to block the account but is also not accessible to provide service to open my account. Leaving me and my funds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
TD Bank Overdraft Issues XX/XX/2022 - Charge of {$70.00} Taken from Checking XXXX. ( Me ) creation of overdrawn to - {$11.00}. 
- XX/XX/2022 - Charge of {$8.00} taken from Checking Acc. ( Me ) overdraft now {$20.00} - At this time, I recieved no warning or email from TD Bank stating I have gone into overdraft. 
- XX/XX/2022 - Charge of - {$1.00} taken from Checking Acc. ( Me ) overdraft now {$21.00} - XX/XX/2022 - I check my account and FIX overdraft by transferring {$50.00} from Savings to Checking Acc. bring account to {$28.00} - XX/XX/2022 - 5x Transactions ( Me ) totalling {$18.00} - XX/XX/2022 - TD Issues {$70.00} Overdraft Fee without email or message notice. Checking Acc. overdraft now at - {$59.00} - XX/XX/2022 - Deposit of {$20.00} made into Checking Acc. from XXXX XXXX XXXX made. overdraft now at - {$39.00} - XX/XX/2022 - Charge of {$20.00} taken from Checking Acc. ( Me ) overdraft now {$59.00} - XX/XX/2022 - TD Issues new Overdraft Fee of {$70.00} still with no warning. Overdraft now at {$120.00} - XX/XX/2022 - 3x Transactions ( Me ) totalling {$14.00} leaving Overdraft at - {$140.00}. 
- As of XX/XX/2022 - I recieved compensation from my job and lost nearly {$250.00} because TD bank charged a {$100.00} Overdraft fee which attached to the already - {$140.00}. 

These overly priced charges for such small transactions are uncessary and affect my livelyhood and ability to purchase and pay bills in a timely manner. Also the first overdraft SHOULD NOT have happened considering I fixed the intial overdraft quickly. 
- Now usually if I overdraft and get charged I can recieve a partial or full refund to compensate for lost time and money, yet when I called this time they refused to give back any of the near {$250.00} USD taken from my account. Their actions are uncessary and hinder my ability to pay bills and obtain necessary supplies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
As of XX/XX/XXXX I have informed Enhanced Recovery Collection of identity fraud and have provided them with an identity fraud filing with FTC IdentityTheft.gov on an idem they have reported to XXXX, and yet knowingly they kept additional fraudulent account information that they had under my name and Social Security Number from in in an attempt to harm my credit report in future as they did in XXXX of XXXX. 
The attached document shows that Enhanced Recovery collection had knowledge of a fraudulent account opened under mu name & SSN with XXXX XXXX XXXX in XXXX of XXXX, and when I notified them with FTC Identitytheft.gov informing them of fraudulent account they reported for charges with XXXX XXXXXXXX, they failed to notify me of the other collection account they had at the time under my name & SSN with XXXX XXXX XXXX and as a result waited for an opportunity on XXXX of XXXX to knowingly hurt my credit rating with Credit Reporting Bureaus. 
I have attached both Identity Theft report as well as a screenshot of my XXXX Credit Report showing XXXX XXXX XXXX fraudulent account was with Enhanced Recovery Collection on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
I believe I am a victim of identity theft. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. I disputed the fraudulent information on DISCOVERBANK from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I believe I am a victim of identity theft. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on AMEX from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I believe I am a victim of identity theft. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on JPMCB CARD from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was taken advantage of due to your company Breaking laws under the FCRA. I cant Obtain credit or a job

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hidden Oak Group, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I took out a personal loan through XXXX XXXX  XXXX. On XX/XX/XXXX I started to receive invoices from XXXX XXXX XXXX XXXX who stated they took over the account from XXXX XXXX  XXXX. I continued to make monthly payments to XXXX XXXX XXXX XXXX until the agreed last payment was due XX/XX/XXXX. Payments were auto-withdrawn from my bank account monthly. I was told I was unable to have an online account with Marketplace Loan therefore I was never able to access pertinent details to my account. 

On XX/XX/XXXX, I pulled a credit report which showed negative impact from a personal loan. I started a dispute with the credit bureaus. I also began to call XXXX XXXX to get this issue corrected, as I was continuing to make payments as scheduled and promised. Credit Reporting Agency shows contact phone of : ( XXXX ) XXXX -when I called it said XXXX XXXX  XXXX. Every single person at XXXX XXXX that I had previous conversations with and had their names, phone # 's and emails were no longer existent. The phone # s for them which were XXXX, XXXX, XXXX, XXXX are no longer existent. When I call all their numbers, they are all different companies. Some of the representatives at these companies said they were unable to release the names of the companies they worked for and none of those companies claim to know any of the representatives I have dealt with over the years, nor the name XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX. They say that they have owned those phone # 's for years. No one can find my account numbers or social security # 's on their records. On XX/XX/XXXX I was contacted by a debt collector from a company called Grassy Spring Group via XXXX  XXXX XXXX  ( XXXX  ) who states XXXX  XXXX  XXXX  gave them my account. I once again contacted all the # 's I knew for both companies XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX and the # 's all have new companies once again and no one knows about the ( XXXX ) companies in question. And all the # 's now belong to new companies such as Lease Customer Service and Legacy. I have detailed notes of every person, department, phone and companies I spoke to almost daily since XX/XX/XXXX. I have not been able to get any answers from anyone. I fear this was a scam, that my identity has been released to numerous companies, and that after paying them THOUSANDS of dollars, they are falsifying my debt. I feel helpless and hopeless and hope that someone can help me put an end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Between the years of XXXX, XXXX engaged in unfair, deceptive, and illegal practices by implementing a scheme to misallocate my loan payments toward interest rather than toward paying off the loan principal, misdirect payments towards loans with lower interest rates, and improperly impose capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TX

Complaint narrative:
This is in response to a complaint I submitted to the CFPB on XX/XX/XXXX. XXXX. Complaint number XXXX. 
I insisted that they remove the following accounts they have been investigating since XX/XX/XXXX. And provided a certified recipe from the US postal service as evidence. XXXX XXXX account ending in XXXX, XXXX XXXX ending in XXXX and also XXXX account ending in XXXX. 
In their response letter from an intern, they stated that they are in the process of reinvestigating. 
I appreciate the timely response, However I did not request a " reinvestigation ''. I requested that they follow the guidelines if the FCRA. Specifically the one that states that a reporting agency has to review and respond to a consumer 's dispute within 30 days. If the review isn't completed, the disputed item or items must be removed from their credit file. 
Instead of following the rules, Experian is willfully attempting to violate my rights as a consumer by extending investigation process to over 150 days.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have requested for Experian to change my personal information several times and they have refused to change it having this incorrect information on my report is misleading and his place and me and technical situation.

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