vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NC

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/22 at XXXX, I used the chase bank ATM ( XXXX XXXX XXXX XXXX to pay may credit card balance. After I inserted money, I heard it was counting th bills but it came out the receipt without completing the payment. ( The money was not returned ). And the ATM showed that the machine couldnt accept cash anymore. From the receipt, it said that there was a problem so I had to contact the customer service. 
I called and explained about the happening, and he said he would put some credit until they investigate it. But I didnt count exact amount of the bills, so I told him that it would be about {$860.00}. Because I remembered there were at least 40 {$20.00} bills. He asked me some information from the receipt ( terminal number, sequence number, exact time ), and he said he could see that I put my credit card in the ATM from log but couldnt find how much I put in. 
A day later, {$860.00} was credited and nothing happened until XXXX. But on XXXX, the credit was removed and I got a letter that saying they found an credit error so they removed the credit. 
I went the branch ( same location as ATM located ) and talked to one of workers, and she called somewhere about 30 min. And she said the claim was declined because they couldnt find that I put the money after investigation. And she said I had to send a letter the chase card seevice to reopen the claim. 
I called customer service again, I explained whole story, transferred 3 different representatives. And last representative ( I guess he was a manager ) checked everything, but couldnt answer clear solutions. And he said he will give another credit and XXXX submit another claim for me. 
When I called right after using ATM, the representative said they would investigate it so it wouldnt be any problem, and the correct amount would be adjusted. 
There are security cameras ( even on the ATM ), so they could check I put the money in the machine. Also, after they checked the ATM, they could find the over collected amout of money. So I thought they could find how much I put in the machine easily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 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: PA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MRS BPO, LLC
State: AL

Complaint narrative:
The company attempting to collect the debt has no original contract with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-17 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: NC

Complaint narrative:
I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.

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 2022-09-17 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: NC

Complaint narrative:
I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH EQUIFAX XXXX CREDIT BUREAUS / SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NC

Complaint narrative:
I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.

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 2022-09-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I submitted a request to refund loan payments i made on my federal student loan between the dates of XX/XX/XXXX and XX/XX/XXXX to Nelnet, my student loan servicer. The COVID-19 emergency act targetting student loans stipulates that payments are not mandatory during this period and i can be refunded for payments made. My loan servicer, Nelnet, has not been responsive about this request. I have called and emailed. I have yet to receive confirmation of a process even being started to get my money back. It's impossible to get ahold of them and they make it difficult to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: ND

Complaint narrative:
I've been a victim of identity theft since 2019 and I have put my complaints and reports in but I'm not being contacted by anyone to help me with anything and I keep getting hacked everytime I get a phone and new service and when I make an account with anything and all the money I have been waiting for, I can't get or anyone to help me with anything dealing with me having to be responsible for paying for others stealing my information and identity and using it to get unemployment and taxes and I have paid Lexington Law 3 times for me to still have bad credit and things not removed and XXXX has data breaches and I have never been reimbursed for all the money and things that I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? 

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? 

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NV

Complaint narrative:
I requested a refund of {$4400.00} on XX/XX/XXXX. Edfinancial said they processed the request. Everytime I call in I am given a new date on when this refund will process. I believe I am getting the run around

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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CareCredit charge XXXX from my account which was the same amount loan after I filed a complaint they send me XXXX and my bank took XXXX in addition my dentist refun XXXX to Carecredit after that XXXX  XXXX XXXX remove the credit and told me they never got a refund from Carecredit call Carecredit and they said they never got a payment from XXXX  XXXX XXXX strange since this was the money they refund plus its on the statement

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Lowes credit card services from the moment I got the card some very strange things have been happening on it. Ive received emails about inquiries into my credit report even though Ive only had the credit hard 7 months. Out of any of my card this one is always sending me random email and purchases I didnt make unlike the other ones. It now check my credit without contacting me and then sent me a letter via email that stated my credit card was changing even though I never authorized this. I was suspicious before this happened but now this confirms what I had been worried about. They accessed my credit report without my authorization. Im contacting the company as well to tell them I do not want to deal with them anymore and they have no right to continue to do this. Also the emails I receive have links that dont go anywhere. This happens with most of the emails they send but this one had an identity thief link that didnt work. The reason I know this isnt normal is no other company has done this. Another reason is the companies have to ask for authorization before they accesses my credit report lowes is the only one who never does and did.

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