vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts from my credit files. 

PLEASE REMOVE FRAUD ALERTS 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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts from my credit files. 

PLEASE REMOVE FRAUD ALERTS IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove the fraud alerts or any other personal statements that's on my credit files. Remove all fraud alerts 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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove the fraud alerts or any other personal statements that's on my credit files. Remove all fraud alerts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: FL

Complaint narrative:
I had noticed on XX/XX/XXXX I received a notice from Chase Bank that I was overdrawn on my account. I immediately called them because I just had my Direct Deposit that day and knew I had no outstanding charges. I looked at my account only to see there were 2 {$590.00} charges to my account from XXXX. I called and spoke with a CSR where he looked at my account and seen a {$1.00} charge in XXXX that I was not even aware of from XXXX. I told him I am calling about my account being completely depleted due to this and wanted my money back. He asked if I want to stop payment and it would be a charge. I told him I had an alert on my account and informed Chase multiple times do not accept payments from XXXX because this happened before and I do not have an account with XXXX. The CSR assured me my fund would be in my account in 12 hours. I checked my account and no funds were put back. I called again and spoke with another CSR who informed me my 2 Charges of {$590.00} were denied because another claim was opened same day for {$1.00} and they only allow 1 claim every 60 days. I told him I did not file a claim for {$1.00}. He stated he would fix it and my money would be refunded in 12 hours he advised me to close the account. Next day I enter a bank only to find the money still has not been returned. The Employee at the bank informed me MULTIPLE people were in the past 5 days complaining their accounts were compromised. She shared that her account was compromised and promised my money would be returned in 12 hours. Again NOTHING. I contact the Executives of the company to have a XXXX   who is an Executive CSR call me blaming me for my fund not being secured and If didn't give my email out. I don't even shop on line. She suggested we conference XXXX on a call, I agreed. Immediately she asked how can Ms. XXXX secure her account with you, by changing her email. The XXXX rep did a search for me and stated, SHE DOES NOT HAVE AN ACCOUNT WITH US. I then asked, with the {$1.00} charge in March is that the Thief making an attempt to see if the bank will allow them access to my account, HE said YES. I then asked is this a Bank Security Issue, HE said YES. XXXX was very quiet after that. CHASE BANK Still will not return my funds, I just received an email stating I have a temporary refund of {$1.00} the fund the 1st CSR filed that I did not know about nor Authorize. I am now getting Penalized on bills not paid. CHASE refuses to refund my money even though it has been shown it was their errors and system that was compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service, Inc
State: OK

Complaint narrative:
This is not my debt. If I'm not mistaking this all with cell phones were put in my name. My ex roommate dated someone that worked at XXXX XXXX. They were taking loans etc.. without people knowing. My credit profile has identify theft attached. When they contacted me I explained it to them in detail. I have nor owe anything unless is done by fraud. I am currently in the middle of closing on a home and this collection will jeopardize my home. I plan on suing all parties involved including credit reporting agencies XXXX, XXXX just to name a few. XXXX  is the only credit bureau and that has not removed another past creditor in which collection was placed in error. I asked this to be removed from ALL credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: GA

Complaint narrative:
It has recently come to my attention that Fraud has been created under Title 12 United States Code 73 " Oath '' and that the alleged creditor has hypothecated for a loan. It has been found as a discovery for studying and applying laws that they know to be true, correct, and unrebutted by affidavits sent. CONDUENT EDUCATION SERVICES, XXXX under Title 28 Section 3002 ( 15 ) ( A ) e is a United States Corporation constructed in ALL CAPITAL Letters for which they are conducting business with an Ens Legis Artificial Person. The true Definition of a " Person '' is a Corporation. I am not an Infant as define by Internal Revenue Service Code 21.7.13.3.2.2 ( 2 ). If the matter is not resolved, under Title 12 United States Codes 83, and 582 I will conduct a lawsuit if they stay in dishonor. " Indeed, no more than ( affidavits ) is necessary to make the prima facie case. '' United States v. XXXX, XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ; XXXX XXXX XX/XX/XXXX. Supreme Case Law and the affidavits stand as truth, The Affidavit was sent onXX/XX/2019via certified mail no. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and received XX/XX/2019. The Default Judgment received via certified mail no. XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. See Attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like my security freeze to be removed from my Experian 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 non-monetary relief
Consumer complaint received 2019-07-04 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: NY

Complaint narrative:
Identity theft

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 2019-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company promised to delete tradelines from credit reports with settlements and did not do it. Instead, they reported them as paid for less than full. They explicitly told me they would delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I paid XXXX dollars for a service but did not receive the service I paid for. I contacted the seller but still did not receive the service I paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage was purchased from MBFinancial by Fifth Third Bank starting XX/XX/2019. Since the merger, Fifth third Financial help submitted multiple automatic payments from my checking account resulting in over {$500.00} of overdraft fees. I tried to negotiate and fix in XX/XX/XXXX but on XX/XX/XXXX/XX/XX/XXXX it happened again. The website is always down and the issue is unfathomable? 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
My accounts with this company have been paid. Moreover, the debit is listed under several different names. I paid Resurgent but it's listed on my credit reports as LNVN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting an incorrect address on my credit report. I've never stayed at this address nor have any relatives that lived at this address. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2019-07-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from Wells Fargo. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with Wells Fargo.

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 2019-07-04 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: NY

Complaint narrative:
My identity was stolen.

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 2019-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with 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 2019-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: CA

Complaint narrative:
XXXX XXXX Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with 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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have a complaint against LexisNexis. I had a bankruptcy appearing on my credit report I disputed this with LexisNexis. They concluded their investigation and stated that they removed Chapter XXXX bankruptcy that didn't belong to me and they sent me a confirmation letter that it's been removed my record with them. I submitted that notice to all 3 bureaus and XXXX  and XXXX  honored it and removed the account. XXXX refuses to remove the Chapter XXXX bankruptcy from my credit file as they're saying that LexisNexis is confirming that the Chapter XXXX Bankruptcy is reporting accurately. Please find my attachments as proof that the bankruptcy shouldn't be reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I am the victim of identity theft and several credit cards were opened using my personal information. I have filed a police report several times as a result of fraudulent accounts being established in my name without my knowledge. One store credit card in particular that was opened with TD Bank/Target was opened up online using my personal information. I have tried several times to resolve this issue with TD Bank/Target, but they have refused to accept my police report and identity theft affidavit. They have not provided any proof that shows that I was the individual that opened this account other than stating that payments were made. The credit card was charged up to {$350.00} at Target. I have provided TD Bank/Target with all my identification, proof of residence, police report as well as an identity theft affidavit used by their fraud department. They have refused to help me resolve this issue despite all of the documentation that I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove all fraud and personal statements off my credit file effected 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 2019-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: AZ

Complaint narrative:
I have received multiple phone call messages to my cell phone from plus 4 inc. Saying i owe a debt. I called them on XX/XX/19 and XX/XX/19 in an attempt to learn more about this claim as i have the means and always pay my bills immediately. They will not give me any information withour first me giving them my date of birth. I asked if i could give some of that but not all since I'm cautious about being scammed, nor have i received any other verbal or written communication regarding an outdated bill from anyone. They said they would not, and could not, do anything until i gave them my birthdate to verify i am who i am. I am willing to cooperate and want to ensure my credit is not tarnished because of my rights to be properly notified by any party of a debt that they feel i owe. This is unacceptable and will be defended fully. I simply seek to understand what the claim is for and about so i can validate it's true before i provide personal information to this company not knowing if it's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove all fraud and personal statements off my credit file effected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I send {$200.00} dollars through Zelle to XXXX a Zelle customer unfortunately I was a victim of fraud as I never received the tickets for the event I was promised I called my bank to report the fraud but XXXX XXXX   told me there was no Fraud that could be reported due to quick pay with Zelle policy 's devastating

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: Meridian Financial Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2019 on my experian report, Meridian Financial Services reported two items placed for collections for {$3300.00} and {$1100.00} both of which are inaccurate. I have had no contact or communications with XXXX XXXX XXXX ( the original creditor ) dating back well over seven years from XX/XX/2019. To report delinquent information beyound the 7 year mark is beyond the statue of credit reporting. The information has negatively impacted my credit and is inaccurate and should not have been reported in XXXX. Additionally, statue of limitations is six years in MA. I would like to get this resolved and removed from my credit as being current.

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 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
XX/XX/2019 on this day when i wen to purchase i teams from the store for my son my account got permanently suspended. I received my direct deposit on XX/XX/2019. When contacting bank they told me they couldnt reopen my account. The only reason I can think is when my account got hacked an I disputed it twice and stoped my direct deposit. I have a XXXX year old son an rent that needs to be paid. My bank witch is bluebird ( Amex ) told me they have to send me a check of whats in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was made aware equifax hasplaced an extended fraud alert on my credit file for a second time without my knowledge or consent. I made a written request to have all fraud alerts removed from my credit file and included the documents in the attached file to show proof of identity ( passport, state issued Mass commission for the XXXX ID and cable bill with addresses clearly visible. The response from them is also included in the file I submitted. Asking for the exact items I submitted several times prior

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I first noticed a credit card on my credit report when I started to get negative remarks added to my credit report by the bank this credit card is with. The bank name is Synchrony XXXX. This account has made my credit drop over 100 points. When I call the only number I have for Synchrony XXXX   which is provided on my credit report it will NOT let me talk to anyone unless I have a credit card number or account number, how am I supposed to have a account number when I did not open this account. I finally hired a credit report dispute law firm. This firm sent a dispute letter to this company. When I noticed on my credit report that this Synchrony XXXX account is noted being disputed this bank started stacking the negative remarks on my credit every other day. And still not word from Synchrony XXXX. On my credit report there are now remarks saying this creditor is following a credit reporting guide lines. How? I have never applied or have had a account with them. Obviously this account is fraudulent or put on my account in error but they dont seem to care. Instead they see I am disputing it they start hitting my credit report with as much negative remarks as they can without even reaching out to me. I've found it impossible to reach them without any account info.

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