vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 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:
There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX, XXXX and Equifax. XXXX XXXX ( XXXX and XXXX. XXXX XXXX ( XXXX and Equifax. XXXX XXXX XXXX ( Equifax ) XXXX ( XXXX AND XXXX ) XXXX XXXX XXXX XXXX  ( XXXX and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are several inquiries on my credit report that needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CA

Complaint narrative:
The company shutdown my account on XX/XX/2022 without any warning or reason after I funded my account {$250.00} using my own bank account with my name on it. I called and tried to get a reason for the closure or how I can get my funds back, but the representative told me the department that I would need to reach could only be reached through email. I contacted Square via online support several times and they won't give me a reason my account was shutdown or how I can get my funds back in a expeditious/reasonable time frame. On my dashboard, it said it would take one business day to get my funds, but it has already been 10+ business days without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CA

Complaint narrative:
in accordance with fair credit reporting act account # XXXX XXXX XXXX XXXX  {$2200.00} XXXX, account # XXXX XXXX, {$600.00} XXXXaccount, # XXXX XXXX XXXX XXXX jewelers {$2900.00} XXXX, account # XXXX XXXX {$940.00}, XXXX XXXX XXXX XXXX  account # XXXX, {$580.00}, XXXX account # XXXX {$580.00}, XXXX account # XXXX XXXX account # XXXX {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, {$27000.00} XXXXXXXX XXXX XXXX  account # XXXX {$1400.00} XXXX XXXX XXXX  account # XXXX {$3100.00} XXXXXXXX XXXX XXXX account # XXXX {$610.00} XXXX XXXXXXXX XXXX XXXX account # XXXX {$630.00} XXXX XXXX. 
XXXXXXXX XXXX XXXX account # XXXX {$3100.00} XXXX. 
XXXX XXXX XXXX account # XXXX {$1900.00}, XXXX XXXX XXXX XXXX  account # XXXX {$680.00}, XXXX XXXX XXXX account # XXXX {$130.00}, XXXX 15 u.s.c 1681 section 602 A.states I have 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 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 explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
This debt collection has been on my report for quite some time now, going on 6 years and I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2009 US Bank Trust fraudulently used my estate and credits to fund their irrevocable trust with my home and my credits, the only paid {$1.00} and now I have filed a involuntary bankruptcy as the creditor who provided the credits and US BANK TRUST placed my property and credits it their own Business without disclosing and intentionally failed to disclose. My property has been paid with my promissory note from my estate and I am the lender who was criminalized by US BANK and US Bank Trust Securities Trustee is XXXX XXXXXXXX XXXX, now Ive requested that no taxes or interest be applied because I am the mortgage that was used to mortgage my home and no credits was given to me by this business and I would like them to remove their claim of liens because I havent signed anything placing me in a contract! Fraud has been committed and now I was forced into a forbearance that I never gave permission for them to lien in payment and I requested that all mortgage payments be cancelled on my 1099 a cancelling is bank debt of a {$1.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I ordered a tablet on line through XXXX for around {$94.00}. After waiting over 4 months it arrived but was not what I paid for it was a cheap child 's tablet and it had a locked screen so I couldn't use it if I'd wanted to. I contacted the seller imidiatly but was told to bad no refund. I then opened a dispute with XXXXXXXX XXXXXXXX, after another month or more was denied any recoup. I had said I would return the tablet for a full refund but told no denied. So I then contacted my bank Chime & opened a dispute through them for a charge back but after about 75 days was denied again. Right after chime denied me I received a message from XXXX  that they were going to refund the money however since I'd opened a dispute with my bank then the bank would have to request the refund for me. So I again contacted Chime reopens the dispute with the new information so they could request the refund but they again after a month denied me closed the dispute and said that it was over. So I'm stuck with a child 's toy that's useless because it's screen pass code locked and I'm out almost {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS 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 non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I filed a complaint because this company is a fraud. This has tried to collect debt for 12 years from me without consulting with their client. This debt they are referring to is from the Illinois department of revenue. Sir, please always consult with your client. Despite a collection for state taxes " the Illinois department of revenue '' will still take your state taxes if you are in collection. They don't care. I work as well so i called the Illinois department of revenue to acquire your collection debt and opened an account to pay my taxes. Unfortunately, i have filed enough taxes that i paid the debt that your company is acquiring by the Illinois department of revenue taking my state taxes. In this case " consult with your client. '' This debt is paid and isnt in collection. Anyways, on contrary, you can also contact your client to get a cheaper settlement. Contact your client to assure that the bill isnt paid or you seem like a scammer. This bill is paid then why are you trying to collect it twice when the Illinois department of revenue took my taxes?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS 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 non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX I believe I was wrongful do by amongst Capital One secured credit, and XXXX XXXX  checking account. 
I had a secured credit line of XXXX $ which is not allowed 10 % over. 
Capital one pulled multiple payments XXXX {$300.00} $ payments from my bank ancount to the point it overdrafted my XXXX  XXXX  XXXX . However on the credit card it stated I never paid a bill on time and I infact owed them the XXXX $ The pulled from the bank. Months of calling both the bank and capital one and have three way calls and be promised checks NOTHING happens. I now go without food, medications, spiral into XXXX because of debt fear I destroyed my first line of credit losing my car and apartment. They end up making me pay XXXX $ when my account was positive XXXX $ before this mess. They made me lose my home. Capital one shut my credit card off. They did not acknowledge the severity of the problem. Left me financially in a dark place all winter and I want to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: PA

Complaint narrative:
I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report. XXXX and XXXX had removed the XXXX ONEWALL account and I am requesting that you also remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX  is stating I have an open account for CapOne and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with chime, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new Capital One balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through XXXX. I am calling CapOne as soon as they open their customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 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: FL

Complaint narrative:
My XXXX is stating I have an open account for XXXX and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with XXXX, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new XXXX XXXX balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through Experian. I am calling XXXX as soon as they open their customer service.

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 2022-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Harassment and abuse after an account was already deleted by them. This is breaking the law.

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 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX Called to inquire about XXXX NSF fees. Customer service stated the fees would be reimbursed, unable to process there transferred to a different department where I waited on hold for a total of XXXX hour XXXX minutes. Then the line simply disconnected. 

2nd attempt -placed on hold XXXX hour XXXX minutes 3rd attempt- placed on hold XXXX hours XXXX minutes Then the line simply disconnected. 

LINE/CALL SIMPLY DISCONNECTS!!!!

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 2022-03-27 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
Dear CFPB, I have had a student loan of XXXX with AES the past several years. Last year I/ we set up a payment agreement over 160 months starting at approx. $ XXXX, the six months later approx $ XXXX and the six months later approx. {$230.00}, etc. A graduated payment plan. 
Well two weeks ago, I received a letter from the stating I have a new payment plan which would start this XXXX. This included {$220.00} for the $ XXXX loan and another {$65.00} for the $ XXXX loan! 
That amounts to almost {$300.00} dollars a month! I am XXXX y o, XXXX  and just filed bankruptcy which was XXXX in XX/XX/XXXX. 
I had a legally binding contract with them last year and now they tell me I have a new higher plan without even contacting me??? They then sent me a letter last week asking me how I felt about this new payment plan. Well I feel its XXXX!! I believe what they are attempting to do is illegal! 
Please help me resolve this matter. Some of the practices by these XXXXtudent Loan companies are ridiculous! 
Thank you, XXXX XXXX XXXX XXXX, CT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I filed a dispute with Wells Fargo Claim # XXXX and claim was denied with the reason stated was these were pin transactions but only 2 happen to be pin transactions and the rest are same companies that Wells Fargo paid on another claim. Tried to resubmit claim and i can not because it states that these transactions have already been disputed. 

Example : Claim # XXXX XXXX and XXXX XXXX transactions were credited back to me but on Claim # XXXX same merchants XXXX XXXX XXXX XXXX was deemed a pin transaction and denied. This was not a pin transaction.

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 2022-03-27 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This complaint is reporting inaccurate information on my credit report! They are reporting a charge off on my report! 
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
Fraudulent inquiries and inaccurate account information

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 2022-03-27 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:
Fraudulent inquiries and inaccurate account information

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 2022-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I applied online solely because they had approved someone with severe financial difficulties and difficulty proving income or financial statements. They had gotten approved so I figured my challenging credit would be no issue. 

They flatly denied me saying my credit was the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2022, all of my debt collection accounts were disputed and removed and my credit usage decreased below 30 % from my Experian credit report. However, my credit score did not increase by much higher points.

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