vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 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: OH

Complaint narrative:
Pursuant to 15 U.S.C 1681 ( a ) ( XXXX ), the banking system is dependent upon fair credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

With that being said, Equifax 's consumer reporting agency is furnishing unauthorized inquiries, accounts, and inaccurate personal information to my consumer report. Not only do these items not belong to my consumer report but more importantly, they violate several Fair Credit Reporting Act laws that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: TX

Complaint narrative:
Equifax my.Equifax.com doesnt properly work and they are STEALING money from me monthly. Their customer service agents are TERRIBLE. They make it extremely difficult to get the assistance you need as a consumer. I have been waiting for over 3 months to get a refund back and they still havent provided me my funds back. The site hasnt worked properly for me since I have signed up with Equifax. Paying {$27.00} for a product that doesnt work as expected and is stealing. I havent been able to properly unlock my credit report for over a month. I opened case XXXX and then I was told 3-5 business days for it to be fixed. I called after that window on today and I sat on the phone over an HOUR trying to get help with this issue. This is the most awful experience I have had and Equifax should be ashamed of themselves stealing from consumers and not taking their customers serious. Equifax clearly doesnt value the customers you shouldnt have to authenticate XXXX times before getting assistance. You have to authenticate through the phone system, then when you get on the phone with an agent you have to give your social security number, name, address, DOB, Phone number, email address. Then you have to answer XXXX questions on your credit report and they STILL want you to send in your license even AFTER it has been sent in the last 30 days. This is absolutely awful and you STILL cant get the help you need. Also, the credit report doesnt update daily as it says it does on the site. Which is false advertisement I want my money back IMMEDIATELY for EVERY MONTH OF SERVICE I HAVE PAID FOR THIS TERRIBLE service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a text from this phone number : XXXX ( XXXX ) XXXX Saying I have alerts with CITI bank. 
I do not own any accounts nor have any affiliations with CITI bank under my name/ social security. 
The text states I have an account with them ending in a number I dont recognize. 
And a sketchy link to a CITI banks alert site. 
I checked online and you would only be texted an SMS alert from CITI if you register on their app to do a 2 step authentication. 
CITI bank also states the phone numbers they send alerts from and that number is not listed. 
This phone number is also a personal number registered from New Jersey. 
Pleas look into this as this is a scam and also a fraudulent banking scheme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of 72 months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX XXXX, I received a noice XXXX XXXX XXXX. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. I sent you all documents that the request will be processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: VA

Complaint narrative:
On XX/XX/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, XXXX and TransUnion advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX and Transunion have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: VA

Complaint narrative:
On XX/XX/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, Equifax and XXXX advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Equifax and XXXX have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA US 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA XXXXS 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: VA

Complaint narrative:
XXXX XXXX. reported information on my Credit report not authorized .a bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX Bank XXXX XXXX Late Payment from Bank XXXX XXXX, XX/XX/2020 Late Payments from XXXXl XXXX, XXXX to XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: GA

Complaint narrative:
I am exercising my right as a consumer to request a copy of my credit report. I have reached out to the company credco  consumer relations department. I sent my personal information along with documents to prove my identity thr company has not responded and sent my 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 2021-11-28 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: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
I pulled up my credit report and found a charge that isn't mine. I filed a dispute with XXXX. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

SUNRISE CREDIT SERVICES , INC ( 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 2021-11-28 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: NJ

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It this has been well over 30 days and I have not received and investigative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: NJ

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. It this has been well over 30 days and I have not received and investigative results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX I cosigned a student loan for my brother to go to the XXXX XXXX XXXXXXXX. In XXXX of XXXX my brother passed away, still owing {$100000.00} on the loan. On XX/XX/XXXX I contacted Firstmark Services to inform them of my brother 's passing. On XX/XX/XXXX I paid Firstmark Services {$1700.00}. On XX/XX/XXXX Firstmark forgave the loan. On XX/XX/XXXX Firstmark returned my check for {$1700.00} stating the loan was paid. On XX/XX/XXXX Firstmark removed the loan from my online account. On XX/XX/XXXX I called Firstmark to get the check made out in my name instead of the estate of XXXX XXXX. On XX/XX/XXXX I called Firstmark and spoke with XXXX, there was no update on the check re-issue. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue under review. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue was approved and would be sent XX/XX/XXXX. XX/XX/XXXX Received a call from XXXX XXXX XXXX who stated that he was the Assistant Attorney General. He stated that Firstmark did not have the authority to forgive the loan and I needed to make arraignments with him to repay the loan. XX/XX/XXXX Firstmark put the loan back on my online account. XX/XX/XXXX Firstmark cancelled the check and applied it to the loan. On XX/XX/XXXX I contacted Firstmark asking to be released from the loan. They replied no on XX/XX/XXXX. At the time I cosigned the loan I was able to pay it back. I'm now XXXX XXXX XXXX, with medical issues that don't allow me to do the work I was able to do 20 years ago. My brother was making {$120000.00} a year, I currently make {$30000.00} a year. After speaking to XXXX, he said they would settle on the loan if I paid 75 %. For me to pay that I would have to use most of my retirement savings, leaving me nothing to live on for the rest of my life. My other option is to pay the loan for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have reached out to portfolio recovery associates to resolve an alleged debt. My demands were they delete and remove alleged debt from my consumer report, cease communication and pay the attached invoice of {$700.00} the invoice has yet to be paid. It was received on XX/XX/XXXX 8th

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28 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: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX the Home Depot credit card XXXX initiated a hard credit check on my account without my authorization or knowledge. Ive been a card holder with them since XXXX. I called to ask them about it and I spoke with a supervisor named XXXX, her operator number XXXX. She denied that they did it? She told me XXXX did it? So I decided to call the next day and I spoke with XXXX another supervisor his operator number RAW XXXX. He told me that they did initiate it and then it was an accident because I never authorized it and then he was sending a letter to XXXX to have the hard inquiry retracted. I received a letter from XXXX XXXX cardmember services telling me that they can not locate where they did the hard inquiry, it shows on my XXXX XXXX and on my XXXX report that they did do it. This letter is asking me for my Social Security number and they want me to prove to them that they did it? I keep getting conflicting answers from the XXXX XXXX card? I dont know if its fraud on their part or not so I canceled my Home Depot card and I have put a freeze on my credit. I just want the hard inquiry removed since I never authorized it and I cant get a straight answer out of them at all and according to XXXX they need my permission to do this and they did not have it. XXXX XXXX XXXX XXXX keeps denying they ever did this all except for the XXXX person I spoke with, I included a picture of the letter that they said theyre denying knowing about it. Clearly they did it as you can see in the attachments of the inquiry on my 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 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX We applied for a refinance loan with Velocio mortgage. On XX/XX/XXXX we signed the initial loan estimate which included a {$4100.00} credit to offset the loan origination fee. On about XX/XX/XXXX we were informed that the rate had been locked and we would be closing soon. On XXXX we were sent the final closing disclosures and Velocio mortgage had to remove the {$4100.00} credit and could provide no explanation other than they intended that credit to offset our taxes and had decided not to offer this credit. We feel that this was misleading, because throughout the loan process that credit had been part of our disclosures. Without that credit we were unwilling to pay the rate that they offered. Velocio Mortgage and XXXX XXXX XXXX  XXXX understood that by not offering the credit they would put us in a bad position and therefore would force us to pay them an additional {$4100.00}. We did not agree to the revised terms the day before closing. This is really unethical treatment especially for a company who has all of your financial information and understands the position that theyre putting you in. We hope you will review this complaint so that other people dont end up in the same position. 

Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 @ XXXX, I received 2 text messages on my cell phone claiming to be from Chase Bank Fraud Dept @ XXXX, case # XXXX. First message asked if I had attempted {$200.00} at a XXXX XXXX XXXX 2021 in Georgia -- I did not. Second message asked if I had made a XXXX payment of {$2000.00}. Both asked me to reply XXXX or XXXX. After replying NO @ XXXX I received a call from XXXX @ XXXX to discuss the remedy for this fraudulent claim. The person I spoke with, XXXX XXXX, walked me through the " process to remove the scammer '', XXXX XXXX, from the Chase XXXX account. He claimed I had to authorize another {$2000.00} transaction to remove this scammer. I followed his instructions for another {$2000.00} and I am now out a total of {$4000.00}. Chase claims they have no responsibility to restore my funds even though the scammer used the XXXX transfer pay process to access my account. Incredibly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JP Morgan Chase XXXX XXXX Bank XXXX XXXX and XXXX XXXX XXXX all jointly own XXXX but claim it is a third party they have no control over and are not responsible for any of its transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
Im filing this complaint because after checking my credit report in XXXX I sent Equifax a letter with all the the information that did not belong to me along with proof of identification. 

ADDRESSES : XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX ACCOUNTS : DEPT OF XXXX XXXX XXXX {$1600.00} DEPT OF XXXX XXXX XXXX XXXX {$2200.00} DEPT OF XXXX XXXX XXXX {$3700.00} HARD INQUIRIES : XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Equifax they let me know that I needed to attach that affidavit to this complaint.

Company response to consumer: Closed with explanation