vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: MS

Complaint narrative:
I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi XXXX of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: MS

Complaint narrative:
I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: MS

Complaint narrative:
I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the XXXX XXXXtatute of Limitations. In XXXX XXXX oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXX XXXX  NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

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 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
I did not receive any notices of this of this collection account and neither do I know what it primarily from. I had no knowledge of the amount of {$1200.00} ( in which this company is adding late fees to this closed collection account on several occasions within a month ). Upon researching, this company states that it is also collecting on the Behalf of XXXX XXXX XXXX XXXX ( This company can not be found to do business in the state of Mississippi. 

This judgement was placed on my Credit in 2021 damaging my credit score of tremendously decreasing it. I have tried to dispute this several times off of my Credit report, but the response constantly states that this belongs to me. They aren't advising how they have confirmed or to whom they have spoken with to acknowledge that this is my debt. However, I have recently researched that neither Wakefield & Associates LLC nor XXXX XXXX XXXX, XXXX are not licensed in the State of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
On XX/XX/2022 I filed a claim with Navy Federal Credit Union ... I was told by representative that an investigation would take place and that after XXXX business days you MAY received a Temporary Credit to your Account... on XX/XX/2022 I spoke to a Navy FEDERAL CREDIT UNION representative and they informed me that I would be receiving my Temporary Credit on Tuesday XX/XX/2022... Well its Tuesday and no Temporary..Called Navy Federal Credit Union on XX/XX/XXXX and they 1st brushed me off, then hung up on me, and when I called backed iwas told there Policy .... '' We May or May not issue a Temporary Credit to your account... I then told them the Representative on the XXXX told me that I would receive my Temporary Credit on Tuesday, XX/XX/2022... They Refuse to Honor that Statement even though they were able to verify that phone call on XX/XX/2022 in that the Navy Federal Credit Union Representative did state that I would be receiving my Temporary Credit on Tuesday, XX/XX/2022 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was sent an email about paying the closing fee on my home and it was fraudulent info given to me. I wired the money to the fraudulent account unknowingly. I contacted the bank and they would not stop or refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TN

Complaint narrative:
XXXX {$4900.00} original Balance XXXXXXXX XXXX XXXX {$2200.00} original BalanceXXXX XXXX XXXX XXXX {$1100.00} original Balance- XXXX XXXX XXXX 
XXXX {$16000.00} original Balance- XXXX XXXX XXXX {$1200.00} original Balance- XXXX XXXX XXXX {$1600.00} original Balance- XXXX XXXX XXXX {$1000.00} original balance- XXXX XXXX XXXX {$650.00} original balance- XXXX XXXX  ( XXXX  ) Original debtor XXXX {$1400.00} original balance- XXXX XXXX {$610.00} original balance- XXXX XXXX XXXX ( XXXX XXXX XXXX I have contacted all of these company 's to recant my cosumer rights . They have failed to reflect them on my profile.I 've stated that my accounts should have been frozen. I have also stated that my reports are innaccurate. Their not reflecting true on my account. 


under the FCRA section 611 ( 5 ) ( A ) -you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 


FCRA 15 U.S.C 1681i, -Ever single one each any or all the unproven, none compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory, accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted. 


The following deterogatory accounts allegations are either untrue, unverfied, incorrect, incomplete, untimely, Not mine, NOT MY RESPONSIBILITY..

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 2022-09-20 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: NJ

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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these two accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The two accounts below have violated my rights. 



XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$25.00}

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I deposited {$80.00} to an atm at XXXX XX/XX/22. My balance was then {$80.00}. 4 minutes later at XXXX, I XXXX {$80.00} out of my account. Im back to XXXX XXXX I have atm receipts and emails to prove the time. On XX/XX/22 I noticed I was charged my $ XXXX  monthly fee. No big deal. My account was then - {$10.00}. I added {$20.00} at the atm so my new balance was {$9.00}. I then zelled out {$9.00} to cover a gym membership on another account. 

5th 3rd bank charged me {$37.00} overdraft fee by back dating their {$11.00} fee to the XXXX and forward dating my {$80.00} XXXX to the XXXX, which is fraud. I have time stamped atm receipts and emails to prove this. They did this to collect their fee. Their document makes it sound like they coveredme as if I was in the negative. As we all know you can not XXXX  money out that you dont have in your account. My {$80.00} XXXX went through without an issue putting me back to XXXX XXXX balance which is what it was before my {$80.00} deposit. 5th Third Bank committed fraud and I have proof with time stamped receipts and emails. No $ XXXX  monthly maintenance fee went through my account until the XXXX, otherwise my account wouldve been- {$10.00} when I rolled up to the atm on XX/XX/22 at XXXX not XXXXXXXX XXXX in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
On XX/XX/2022 a package which I did not authorize. I have filed multiple claims with Chase, XXXX and XXXX. XXXX and XXXX told me that since the package was delivered, there is no further action to take Chase told me since I filed multiple claims, and they have all been denied, I am unable to get my money back. I am a full time XXXX XXXX  and I work full time in an XXXX XXXX in XXXX XXXX XXXX. I am beyond stressed and I support myself. Therefore I need this money back. I have already filed the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
In XXXX of XXXX I sent Equifax a letter requesting to have my personal information updated as they had several erroneous addresses being reported, some were addresses I have never lived at. Their first response was that I did not send enough information for them to properly identify me. I responded by sending them my home address and my social security number requesting again to have my information updated to the correct information. I was asking them to update my current address to my po box address and to remove my date of birth, my work history, and the wrong addresses ( 8 in total ). The second response I received from them was that I still did not provide enough information for them to make the requested updates and to send in a copy of my social and also a proof of address for the po box . I submitted the requested documents to them, and they received them XX/XX/XXXX. I am submitting this complaint because the information still has not been updated as I requested. They removed all of the old addresses, but are still displaying my full date of birth, my home address and my work history. I am frustrated at this point because I wish for my rights to privacy to be respected. I specifically stated in the letter I do not wish to have my home address publicized. I do not feel I should have had to make this many attempts just to have my personal information updated, especially after I have given them all of the proof they need to show I am who I say I am. I would also like to add that all of my correspondence with Equifax has been through my po box . They have not sent anything to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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