vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: NY

Complaint narrative:
Experian refuses to remove a fraudulent report against me. Experian takes advantage of my victimized position to sell stuff instead of doing the right thing. 

This is what has happened. 
I have been a victim of identity theft since XXXX. I became aware of this in XX/XX/XXXX and have made every efforts to let the world know this fact. I contacted XXXX XXXX about a fraudulent account opened using my identity, charging {$720.00}. Initially XXXX XXXX  did nothing to investigate into my case and continued victimizing me by pressing me to pay. After I filed a complaint against XXXX XXXX, it finally closed it as a fraud. But it sold this debt to XXXX XXXX XXXX. Now XXXX reports this against me as a collection. 

Experian holds this fraud report against me. When I tried to dispute this on Experian site, I received this message, " If you believe that this information appears on your credit report as a result of identity theft, contact us by phone immediately. BUT when I called the phone number given XXXX, I was placed on hold for like forever and only given option of buying this or that. Experian never put me through to a real person. After waiting on phone and listening to its commercials for a long time, I am convinced that Experian does not have the sincerity to ever talk to me and solve my problem. This leaves me no choice but filing a complaint against Experian. Please help me do the right thing on behalf of numerous people like me. Thank you

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 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
When I first purchased the Loan from Lending Club, I was told that if I make on time payments in the amount for {$650.00} 6 consecutive month 's I can then refinance at a lower rate. My Loan amount was {$15000.00} but was given {$14000.00}. When I did come back to them to refinance they told me that I could not get my payments lowered and I would have to pay the {$650.00} a month. I informed them that I couldn't make the payments but they didn't care. I informed them that I was not going to send anymore payments because I couldn't afford it. I then went through a debt consolidation company called XXXX XXXX XXXX ( XXXX ) of which I started paying them {$450.00} dollars to resolve my debt which I see they didn't help because Lending Club was part of the fee 's I was sending to the debt consolidation. Just recently, I received a citation XXXX XXXX form XXXX XXXX not knowing it was Lending Club. After, receiving the citation, about two weeks later, received a judgement after XXXX, XXXX stating I missed the court date and the judge was on the side of the plaintiff. I never knew about the court date. I did reach out to several lawyers, and gave them the case number which they didn't see anything in the XXXX data base. They only had one citation I had from another creditor whom I disputed charges. I reached out to my debt collection agency on XXXX XXXX regarding the citation and who XXXX XXXX was, and my debt collection agency responded on XXXX XXXX informing me of who they were but at that moment, the judgement was already filed. Per the debt consolidation agency they stated that my statute of limitation started XXXX and ending XXXX. I do not know what month in XXXX it was going to end. My account was frozen XXXX XXXX, XXXX in the amount of - {$20000.00}. I had to settle to get my account unfrozen. They are making me pay {$18000.00} due to court fees when the loan was {$15000.00} of which I owe {$14000.00}. So, how can that be when I paid them 6 months of {$650.00}. The numbers are not adding up. I dont feel XXXX shouldnt be made to pay any legal fee and pay the amount over what is to be paid. I feel that Lending Club had no license to lend money online. Since, theres a law suit why am I paying outrages amount of the money? Why should I pay for legal fees when I was not notified and there was not enough information the on the citation. Only, that they had my signature from online. I know that the signature they claim to have is mine. Its was not enough time for me to dispute the charges. I feel I was ambushed and treated unfairly due to the XXXX XXXX dollar lawsuit they had to pay to the FTC. I need to know what I can due to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME 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 2022-02-24 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: TX

Complaint narrative:
Equifax removed an inaccurate credit reporting in XX/XX/XXXX and then put it back on my credit XX/XX/XXXX. This has resulted in XXXX missed payments on my score. This was a lease agreement, not a creditor. They have falsely reported the account as a line of credit and Equifax knows this and yet they allowed missed payments to ruin my credit. In addition the claim was proven inaccurate and removed over a year ago and now they have put it on again. 

The original complaint was against a property management company, XXXX XXXX XXXX. The item was found to be incorrect and removed and then put back on without merit. The item was a collection for a lease agreement. It has instead been reported as a line of credit with missed payments. The original claim was fraudulent and deceptive to begin with and removed by Equifax ( I have attached two dispute numbers, I do not remember which it was and Equifax has since deleted the disputes and resolutions however they looked it up when I called and admitted they put it back on in error. 

Putting this false reporting back on to my credit over a year after the initial removal has severely damaged my Equifax credit score. When I disputed this the investigation was closed four hours after I filed it ( I attached the screen shot of the date dispute was started and completed. Both are on XX/XX/XXXX. ) .Equifax did not even investigate properly. 

I have called to resolve and they admitted it was an error on their part however they have yet to fix it. 

I am so distraught that Equifax would do this to me. They do not pay attention to what they are doing and they do not care what the repercussions are for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MD

Complaint narrative:
Submitted XX/XX/2022 Completed XX/XX/2022 Confirmation number : XXXX Equifax have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Equifax have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Equifax must comply with the law by providing the requested information within the 15 days allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$360.00} Account XXXX Amount Disputed : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I received an alert that an account was entered on my credit report by AmSher Collection Service. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Had bank account at XXXX XXXX with {$24000.00} in it. Requested a cashier 's check for same amount on XX/XX/XXXX. Deposited the check in my Chase account for same amount via mobile deposit app. Later found that Chase credited only {$21000.00} because the XXXX in the check amount is not as clear as it could be and could be misread as a XXXX instead of a XXXX. Clearly Chase should not have accepted the check for an amount different from the amount I entered online. I then had multiple contacts with the branch and they agree that Chase processed the incorrect amount and said I had to file a claim. I filed multiple claims and provided whatever information I could and yet they continue to deny my claims. After the second claim was filed Chase did deposit the {$3000.00} on XX/XX/XXXX but then reversed that credit on XX/XX/XXXX. I also contacted XXXX bank who says that they processed the correct amount and credited the full {$24000.00} to Chase. My last contact with Chase was last night ( XX/XX/XXXX ) from the " escalations '' department, who stated that my most recent claim was once again denied and they provided no reasoning for this. I am extremely frustrated and do not know where to turn when a big bank is taking my hard earned money from me. I am hopeful that you can assist me in recovering my money. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting an email with the details of incident of fraud, theft, cyberattack on my company XXXX XXXX XXXX XXXX. On the XX/XX/XXXX2022 my email at XXXX was hacked XXXX ET. I began receiving emails from clients and colleagues that they were receiving emails from with a link to website to pay a bill. Of course, I apologized and changed all my passwords etc. I learned the on XX/XX/XXXX2022 there had been XXXX logins to my email from California, Oregon, and Rhode Island. With the instructions and support of XXXX, I went in and logged off of my email from all devices and reset the password again. 

As it turned out, the hacker was impersonating me with an employee at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX handles bill payments for XXXX In Charge. On Friday, XXXX/XXXX/22, I logged onto my bank and saw there was payment made to XXXX XXXX for {$40000.00}. I immediately asked XXXX what was this was for and she said that is the payment you asked me to make. She said she had an email from me ( see attached ). I had not sent her an email and nor authorized such a payment I asked her to send me the emails. She sent me the emails to XXXX and when I opened them, they deleted themselves. She proceeded to save the emails as PDFs. 
It turns out hackers had control of my email. This is when I contacted XXXX and logged all devices off. 

I contacted my bank, Fifth Third and opened a claimed. Since it was XXXX hours later, they would not assist me with getting the money back from XXXX XXXX since it was past XXXX hours. I reported the problem to XXXX XXXX and they told me all they could do is research the account. 

Since XXXX is the employee of In Charge Accounting Services and made the payment as result of this hack and fraud, I would like to submit a claim of the crime to the policy of In Charge Accounting Services. 
I am in the process of contacting the FTC to report the crime and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-24 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: MD

Complaint narrative:
TransUnion has failed to verify accuracy of account : XXXX 
TransUnion have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation of account name : XXXX. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. TransUnion have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. TransUnion must comply with the law by providing the requested information within the 15 days allowed.

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 2022-02-24 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: LEXISNEXIS
State: AZ

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
New -XXXX  XXXX XXXX failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.

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 2022-02-24 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: WI

Complaint narrative:
I have no idea why EXPERIAN submitted a PERSONAL INFO DISPUTE XXXX against my birthdate when the original case on CFPB XXXX is EXPERIAN REAGING my account!!!!!!!!!!!!!! I want this account REMOVED from my profile. I am not disputing my date of birth or personal information! READ my letter AND my screenshots. On XX/XX/XXXX you had this account to fall off my credit report in XX/XX/XXXX and now it says XX/XX/XXXX?! I will be reporting this as it is illegal. I am giving you a second change. REMOVE this account or revise the reaging! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/XXXX to the Federal Trade Commission and Attorney General. Truly, 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 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Loan financed under someone else 's social security number, date of birth, credit score, etc. 

On XX/XX/XXXX I opened a personal loan for {$15000.00} at an interest rate of 12 % joint with my husband. 

On XX/XX/XXXX I went to the XXXX branch located on XXXX XXXX to make my payment on my loan when teller asked if I would like to refinance my loan at 6.5 %. I agreed to refinance my loan. When speaking with the XXXX XXXX, assistant branch manager, she asked if I still worked at " XXXX XXXX '' I stated " No, I never have ''. XXXX then pulled my loan documents and reviewed my place of employment, social security number, and date of birth. XXXX then told me that I would need to present current paystubs to her. I proceeded to leave the branch and went home and got my paystubs. I took the paystubs back to XXXX ( on the same day ) and she stated there was a mix up on the loan application. 

On XX/XX/XXXX, I went back to the XXXX branch looking for XXXX however she was off. The tellers told me to go to the XXXX XXXX branch. I went to the XXXX XXXX branch in XXXX and spoke to XXXX XXXX, branch manager of loan department, in regards to what was going on with my loan. XXXX pulled up the information and I had to verify my social security number against the bank information and she stated that the birthdate and social security number on the loan was wrong and the loan would be investigated. 

On XX/XX/XXXX I had yet to hear back from anyone regarding this loan incident so I called and left a message for XXXX and XXXX. XXXX called me back and stated that " they were getting the information correct on the loan ''.

Company response to consumer: Closed with explanation