vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-08-12 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX States that I owe approximately {$1800.00} to XXXX I have not had a XXXX XXXX XXXX XXXX when I returned home from my XXXX to XXXX. I had my account closed with XXXX XXXX XXXX  and my account was in good standing at a XXXX balance. I do not know where this company got this information from but its wholly inaccurate and wrong. I received a letter from this company approximately 4 to 5 months ago and responded with my statement saying that I do not owe any money to XXXX  The company in question ignored my statement and filed this collection on my credit report wrongfully.

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 2022-08-12 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: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX  This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$2000.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Siggi LLC
State: WA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX  Account unknown how do you verify this information this account is in violation it was reported without valid evidence 3. Under FDCPA Ive filed a civil suit against this credit bureau and XXXX XXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX  This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In my previous complaints, both here and on the phone, starting on XXXX the XXXX or so, I had asked Fay servicing to provide an escrow analysis justifying the payment amount that was imposed XXXX  days before the XXXX payment was due. It was changed from XXXX ( from the XX/XX/XXXX escrow analysis ) to XXXX ( Current payment amount ). Now Fay servicing completes a new escrow analysis and provides a XXXX NEW PAYMENT AMOUNT ( From XX/XX/22 Escrow Analysis ) IN A XXXX  MONTH SPAN in the amount of XXXX. So far Fay servicing has not given me proper justification for the 2nd payment amount, and by giving me a 3rd new payment amount has also admitted that the 2nd payment amount was incorrect. NOTHING about this mortgage has changed since XXXX when Fay servicing took over. This level of incompetence is obscene. I would be ashamed to work for Fay servicing and would question why the people in charge of this are still employed. This is basic math. Fay servicing does not have the ability to use basic math. Please provide an explanation why the 2nd mortgage payment differs from the third even though NOTHING has changed. Please explain the calculation ( mortgage balance and applicable % ) you are using to arrive at the monthly XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Goldman Sachs is violating my consumer rights under GLBA and FCRA. ( Please see attached notice )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HSBC Bank conspires to oppress my rights as a consumer with their associates XXXX in their criminal enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by XXXX the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
On XX/XX/2022 I went into the physical location to complete paperwork for a loan. 
Over the days leading up to XX/XX/XXXX I spoke with the Branch Manager ( at the time ) of my intentions of purchasing a vehicle. 
I had a vehicle I owed {$4800.00} on financed with a different company and a {$6000.00} personal loan with Lendmark. Branch Manager suggested I combine the XXXX loans under my Lendmark loan and be able to get cash in hand with the refinance and merger of loans. Getting this cash in hand would give me cash to put a down payment on a new or newer vehicle. 
When I arrived XX/XX/XXXX, it went all down hill. I was abused through harassment and ableism by the Branch manager to the point that they were fired. The branch manager unfair and deceptive about the way the loan product worked when merging into a " partially collaterized personal loan '' and slapped a 36 % interest rate on the loan. So this would mean my vehicle worth {$4800.00} from its loan, when its actual book value is {$2500.00} aprox., is attached to a loan of roughly {$12000.00} for 60 month for a total with interest payment of $ XXXX. 
There is so much more to write about UDAAAP violations by the branch along with the branch manager trying to bribe me to keep quiet about the issue. 
Now as of XX/XX/2022 the branch has a new manager and they are committing UDAAP violations and lying and being deceptive in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX Bank conspires to oppress my rights as a consumer with their associates Equifax in their XXXX  enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by Equifax the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2022-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: SC

Complaint narrative:
I RESPECTFULLY ASKED BANK AGENT XXXX XXXX TO ADD UP ALL MY BANK DEPOSITS BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX I HAD ONE DIRECT DEPOSIT FOR {$840.00} DOLLARS FROM SOCIAL SECURITY ON XX/XX/2022, THEN I HAD ANOTHER DEPOSIT FROM SOCIAL SECURITY ON XX/XX/2022 FOR XXXX. I ALSO ASKED BANK AGENT XXXX XXXX AT XXXX XXXX XXXX BRANCH TO ADD UP ALL MY ATM WITHDRAWALS AND DEBIT CARD PURCHASES BETWEEN XX/XX/2022 AND XX/XX/2022 AND TO PLEASE DEDUCT AND PUT A TRACE ON ALL TRANSACTIONS AND SUBTRACT THEM FROM ALL DEPOSITS TO RECEIVE THE AVAILABLE BALANCE, BUT XXXX XXXX THE AGENT AT THE XXXX XXXX XXXX BRANCH IN XXXX SC REFUSED TO HONOR MY REQUEST SO I FILED THIS COMPLAINT? I ALSO HAD A DEPOSIT OF {$540.00} ON XX/XX/2022 AND I WOULD LIKE TO ADD FROM LOOKING OVER THE BANK STATEMENT THAT AGENT XXXX XXXX GAVE ME FOR XX/XX/2022 THAT A CHECK WAS WRITTEN FOR {$400.00} DOLLARS CHECK NUMBER XXXX FROM MY CHECKING ACCOUNT ENDING IN XXXX, I TRIED TO EXPLAIN THAT I DID NOT WRITE THE CHECK FROM MY BUSINESS ACCOUNT BUT THE BANKING STAFF WOULD NOT LISTEN TO REASON?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am a victim of identity theft. Please remove these accounts that appeared on my Chex system and XXXX credit bureau. These are fraudulent. They don't belong to me. 

XXXX XXXX XXXX XXXX appears 3 times XX/XX/22 AND XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 ON XXXX XXXX BANK XX/XX/22 According to consumer law 15 U.S.C. 1681b ( a ) ( 2 ), CRA 'S do not have permissible purpose nor did they have my written instructions any negative information on my report.Please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B 15 U.S.C. 1681c-2 which states that the information must be removed within four business days of receipt.

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