vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
These accounts do not belong to me. 

XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX  Account XXXX I have also never lived at this address. 
XXXX XXXX XXXX XXXX XXXX TN XXXX I also have been having trouble with my XXXX  sisters accounts posting onto my reports. Her name is XXXX XXXX and the last 4 digits of her SSN is XXXX. Could you please remove any accounts that are here 's as it is affecting my credit.

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 2022-05-04 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a victim of identity theft. Someone opened a credit card in my name at the company Barclays in XXXX. I have never applied for this account. In addition, someone called Barclays on XXXX to dispute the account ( again not me, someone impersonating my phone number ), this caused Barclays to start and investigation which caused them to generate a letter to me at that time. I received that letter on XXXX and immediately called Barclays to dispute the account. I was told that the card was already being disputed. I then filed a police report, had affidavits of forgery and theft filled out. I have sent this information to Barclays who closed the original dispute from XXXX ( not me ) and said it was considered a valid account because they had phone records from XXXX to XXXX saying I called their company. Again, once I obtained my phone records confirmed they had no log of their number prior to XXXX and I have also sent this information to Barclays. Apparently, the person who stole my identity also spoofed my phone number. Also, I never received any statements from Barclays as they allowed the account to be opened with an old address and I never received them. This should have also been a red flag in Barclays application process as this was no longer a valid address. Also, Barclays allowed the person who called on XXXX to close the account with my new address which is how the letter they generated on XXXX was finally received by me on XXXX when I first learned of the theft. The forms I have sent to Barclays are as follows : Affidavit of Forgery ( Notarized ), Identity Theft Report ( FTC ) , County Police Report, Affidavit Identity Theft Victims Complaint and Declaration ( Notarized ), Copy of Driver License, and a Notice of Furnishers of Information and a Copy of my phone logs.

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 2022-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My loans began with XXXX in XXXX They held my loans until I discovered the PSLF program and after my research was able to discover I do qualify. I just needed to transfer my loan to XXXX XXXX and enroll in the correct IDR plan. My loans sat with XXXX from XXXX. During this time 3 payments were made. My loans sat in forbearance for XXXX months. According to the lawsuit filed by my AG, I qualify for {$450.00} worth of compensation. I received my notice yesterday. {$450.00} is an insult. I need those XXXX months to qualify for a program that was already in place for two years. Instead, I spend every spare minute fighting for change and fighting for justice. XXXX has denied forbearance steering whenever I complain, yet how can they explain XXXX months of forbearance, on a graduate plan, and never informed about this program? 

I am now told there is a chance my forbearance will count, but have to wait again... I need to wait until the Fall for change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. Please help, the information listed shows as follows XXXX accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX 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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
My account had unauthorized transaction s twice, the first was taken care of. Now USbank card holder service, XXXX XXXX XXXX, XXXX, FL. XXXX, # XXXX. Will not let me get my money out of their bank. I've sent all the required documents verifying myself, yet they keep giving me the run-around by having me repeat the process over and over. Hanging up on me and blatantly lying about my account, my money.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received statements from a bank that I have never done business with, TD Bank. I have never been in a TD Bank, I have never visited their website, and, to my knowledge, I have never accepted a payment from an account that originated at a TD Bank. The statements are in my name and were mailed to my home address. I have attempted to contact TD Bank multiple times but end up sitting on hold for upwards of 30-minutes. I have filed a written complaint and sent it to their Fraud department, however, I have received no response. I do not know how this account was opened. I do not know what personal information was used to open this account or if that information matches my personal information ( i.e., date of birth, SSN ). I believe this to be completely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
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: NC

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # 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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Loan
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: NC

Complaint narrative:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # 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 2022-05-04 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:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has 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 a account without my written instructions

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 2022-05-04 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:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
My personal information was stolen due to a data breach. Numerous checking and savings accounts were opened at Huntington Bank. When I received the Welcome letters, I immediately contacted Huntington to inform them of what happened. They assured me all accounts would be closed. Later, I received a letter stating they couldnt close one account as there was a balance and that I needed to zero it out. Several more calls later, and letters, I was once again assured that they would close this account. I just received another letter informing me they, Huntington, are unable to close the account due to a balance still in it. Im tired of this bank not taking care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.

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 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been scammed using check that was sent to me to deposit in my bank account ( chase ). On XX/XX/2022 a man who have been calming to be my sugar daddy send me three different check one is XXXX then XXXX and another XXXX which I then deposit thinking its a real check. After I deposited the money in my bank account. It took two days for the amounts to be saying its pending then my bank said its on hold. I wake up today XX/XX/2022 to a negative bank amount. I have called my bank the day after I deposited the check to report the person is saying he will call to get his money back. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MT

Complaint narrative:
I needed to pay a vendor in XXXX and entered into a contract with Continental Exchange Solutions , Inc. dba Xe to handle the transaction witch required exchanging USD for euros to be deposited in vendors bank.

XE initially approved my account and provided my with the contract ( attached ) and details for transferring the required funds to their bank. After I wired the money XE revoked my contract bc the bank account I was wiring money from did not have my business name on it. 

I remedied the situation by having my bank update my account to include the business name. On the XXXX I provided XE with my bank statement showing my business name on the account.

XE has not acknowledged the receipt of my wire transfer to their bank. Xe also has not processed the documents I sent on the XXXX despite a message I receive when I log in to their site saying documents are usually processed in 1 to 2 days.

I have contacted XE multiple times to resolve the issue. Each time I am told the will look into it and get back to me. I have yet to hear back from XE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please delete and remove this fraudulent accounts to my credit report. It clearly shows that your bureau is showing inaccuracy to your reporting as it is not showing to XXXX. I have already reported this to FTC and I have been disputing this for quite sometimes but you seemed not doing some action towards this matter. 

XXXX  XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau XXXX so consistent with causing harm to my person and financial obligations by reporting information and accounts that is in correct and do not belong to me even after there were sent the Federal Police Report of proof of my identity theft. They even have duplicate accounts on my credit report, why is this.

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 2022-05-04 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I called the company & they could not give me any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-04 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: Global Lending Services LLC
State: TX

Complaint narrative:
I called the company & they could not give me any information. 
XXXX XXXX Global Lend XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Identity theft and fraud, collection account does not belong to me, remove and block verizon collections from my credit report ftc report attached

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 2022-05-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is erroneously reporting my account held by XXXX XXXX XXXX XXXX  XXXX Current report has my XXXX account listed under Closed Accounts as well as Adverse accounts. It also shows the account as two months late payments. This is adversely impacting my credit score by over XXXX points. XXXX XXXX sent Experian a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXX sent to myself and Experian on XX/XX/XXXX 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 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened the XXXX credit card through the app. I was able to make purchase online without receiving the card. Several weeks went by and I never received the card. I called and let them know. They closed the account which dinged my credit and then sent me another one. On the phone that day I paid the full balance. Today XXXX I received a notification from XXXX XXXX that my credit went down XXXX points!! I freaked out and found out there was a random {$90.00} balance. I called XXXX and they removed the late fees and I paid the balance so that this was taken care of. I asked speak to a manager and was never transferred. I had an XXXX XXXX XXXX and have never had a late payment. Please help me with this, I am so upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: Nationwide Recovery Systems, Ltd
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation