vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company ignore my written request by certified mail, more than a month ago, on XXXX XX/XX/2021. 

XXXXXXXX XXXX XXXX  reports : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXXXXXX XXXX XXXX, GA XXXX I have already requested the free written credit report my certified mail on XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis & Associates reported an inquiry on my XXXX  credit report in XXXX, XXXX  without my authorization after my wife called to pay them off. That served no benefit for them to do that other than to demonstrate an abuse of power. Please note, they have never put an inquiry on my report before. It was only after having me in collections for a few years, and a phone to pay off the debt decided to do that. they don't offer any credit or loans for them to put a hard inquiry on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
1. I previously disputed this account on my credit report on XX/XX/XXXX, as a result the company XXXX XXXX responded with a judgement by confession, and not the documentation required. 

2. Although the company did not produce the proper FCRA validation documents to validate the account CFPB still closed the the complaint. 

3. On XX/XX/XXXX I received an email from XXXX XXXX, with the judgment of confession paperwork and a narrative stating that they had communicated with me before about this account and that I did know about the account. ( email and time stamp attached ). 

4. I immediately on XX/XX/XXXX responded to Ms XXXX XXXX email and explained that I was not disputing having knowledge of the account, but that I was instead asking for validation of the accurate information involving the account. ( Email and Time stamp are attached ) Email read : On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : MrXXXX XXXX, ( XXXX XXXX XXXX ) We have received your attempt to again try to dispute or claim you have no knowledge of this debt. 

( XXXX XXXX ) Dispute was that the information you are reporting on my credit report is incorrect. I did not dispute not having knowledge of account. 
You again have not responded to my request for information on : WHY DOES THE DATE OF LAST ACTIVITY KEEP CHANGING EVERY MONTH? WHY ARE YOU RE-AGING THIS ACCOUNT? 

( Ms XXXX XXXX ) This judgment has been sent to you many times. 

( XXXX XXXX ) What is the statute of Limitations for the confession of Judgement? 

The judgement you sent has a different name on the account, please send me the following : 1. The original contract? 
2. Your authorization to collect on behalf of the entity listed in the document you sent in the state of Arizona? 
3. Account information showing the correct Balance? 


( XXXX XXXX XXXX ) You have spoken to 3 different people here and always seem to go back into your hole once we reach out. 

( XXXX XXXX ) I hope that isn't a XXXX reference, very disappointing ... ... 

( XXXX XXXX ) If you want to resolve this and get it off your credit, then please reach out. Otherwise, please stop trying to dispute something that you are well aware that you owe. 

( XXXX XXXX ) I intend to resolve this matter, please provide the information requested. 

5. I have not heard back from XXXX XXXX since I emailed them on XX/XX/XXXX. 
Today is XX/XX/XXXX. XXXX which is over the 30 day response time and being that the correspondence was over email THEY RECEIVED MY REQUEST! 

6. This company : -Has not responded in the 30 day window -Has not provided account validation information I ave requested

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 2021-07-02 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: TX

Complaint narrative:
I have been letting Experian know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.

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 2021-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have not been properly informed about the PSLF ( public service loan forgiveness ) and have attempted to have the department of education evaluate the number of qualified payments I have made since I entered the public service program as a XXXX XXXX XXXX in XXXX. I submitted the form for the pslf to certify the number of payments and have not received any information since I submitted the certification. Although I have previously sent certifications which were completed by my school district administration and have never received a response to date, I am referring to the most recent certification which was submitted several months ago. I was informed that my loans would be transferred to XXXX within a month, but the loans are still being serviced by Nelnet. The pslf program was pitched to the prospective students at XXXX  XXXX XXXX XXXX - XXXX XXXX as a means to draw attention to a benefit of becoming a XXXX XXXX XXXX in high needs areas. I would like to know where I stand in the required 10 years of qualifying payments towards the forgiveness of my student loans. I was uninformed by the loan agents who assisted me that the qualified payments reset after each consolidation again to take advantage of a different interest rate or to combine additional loans. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.

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 2021-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
fraud the person pretends to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. but the check is fake and I send my own money to them after I make the deposit. then the check is withdrawn by the bank! I lost my money! and my bank account is frozen by the bank!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank reduced the limit on my GAP Visa card from {$20000.00} to {$1000.00} without any notice. I never received any letter from them, I just realized upon randomly checking my credit report. I contacted them and asked my limit to be put back to {$20000.00} as it used to be. They only approved me for {$10000.00} even when my credit is excellent with very low utilization and excellent payment history. This is the way I get treated by Synchrony bank after being a customer for so many years. Nobody gave me an explanation.

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 2021-07-02 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: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX  XXXX  XXXX  XXXX Account Number : XXXX Please remove this account from my credit report 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 explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Goldman Sachs used an old XXXX XXXX  that is NOT a valid email to me. They kept using that address, and I never got the notices on an account I started on XX/XX/2021. They then recorded and delinquent status to my credit report as three months delinquent on XX/XX/2021. Neither Apple nor GS would do anything about their error in assuming my XXXX XXXX  is my email. ( Old IDs could be anything, but more recently, Apple has required that IDs be valid emails ), unbeknownst to likely other customers who had old XXXX XXXX and had never used an Apple Card and me. The internet is rife with this problem and associated complaints. 
I asked them to release that delinquency, given a changed rule victimized me at Apple with GS that occurred two years ago and about which I was not advised. And restart their billing as of today. None of my credit card accounts are even 30 days past due. -- and they refused. They also would not refer this discussion to anyone who could help. 
THIS IS GROSSLY UNFAIR! and violates the transparency in lending. 
Apple consumers beware of this agreement between Apple and Goldman Sachs. This requires you, the customer, to use your email as an ID when you may not want it all over the internet and when all other credit cards can use the email you applied with as the notification destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

US DEPT ED 3011**** {$41000.00}

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 non-monetary relief
Consumer complaint received 2021-07-02 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
After viewing my credit report, I found this item reporting negatively an account that I have never applied for. In my recent letter I mentioned that I want you to send to me a proof or documentation bearing my signature that I have legal binding agreement to pay your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AK

Complaint narrative:
I received an email from Experian saying I was a match for one credit card, 98 % match for another card, and 85 % match for another card. Had I not received baiting emails I would not have applied. I was declined for both, resulting in two inquiries that reduced my almost XXXX score ( XXXX according to Experian. I would like Experian to contact both companies and have the inquiries removed and remove me from there email list. I spoke with a Will at Experian who doesn't know who the CEO is and does not believe I would not have applied without being enticed by their bogus emails. the CEO is XXXX XXXX i am a reasonably intelligent individual. I am well aware that you " do not grant or deny credit. '' What you and Will fail to hear and or understand is your email ENTICE, TEMPT, LURE, INVITE, XXXX, AND COAX people who are have a great ordinary day before receiving your email that they somehow qualify for something that before your email they had no plans to apply.

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 2021-07-02 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: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 explanation
Consumer complaint received 2021-07-02 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: CA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
4. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2021 I received a phone number staged to be from TD Bank saying there has been fraudulent charges on my account. The fraudster I was speaking to used the info I had given him because I thought he was a TD Bank rep to get access to my online banking and he stated that there were 17 pending XXXX charges from my account to an email with the name XXXX XXXX. But what happened was the fraudster on the phone added a new contact into my XXXX account titled Your Account and was transferring my money from my savings to checking and then issuing XXXX payments. Then I received texts from TD Bank asking if I wanted the payments to be sent to " Your Account '' which was actually the fraudsters contact name he added to my XXXX account was staging as a TD rep. The actions taken by TD Bank was closing my accounts but they did not freeze them at all and they allowed about {$2500.00} in pending charges that were " Next Day Payments '' on XXXX still leave my account and it wasn't until later until we spoke to a different TD Bank rep that we were told that those charges could've been cancelled while they were pending but it was on me to know that and not the TD Bank fraud department because it was done through XXXX. In total the scammer got around {$3500.00} out of my accounts when most of the money could've been stopped from leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
I have been letting Transunion know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.

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 2021-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.

Company response to consumer: Closed with explanation