vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am following up with a previous complaint ( s ). I may be due for a refund for previous private students loans with XXXX or XXXX. 

*Please note this complaint is about a loan that was once a XXXX XXXX that was sold to Discover ( this was out of my control ). I was an employee for XXXX and opted for the private student loan option. Once sold to Discover it seems the interest went much higher and terms changed. * Discover private student loans will not work with me to lower/defer my payments on my private loan after trying to work with them. My loan was in deferment/forbearance for a while due to extenuating circumstances with regard to completing a XXXX and now I am in the process of getting XXXX. The original balance of the loan was approx. XXXX and now it is approx.110K due to the high-interest fixed rate. Due to this, the payments are XXXX per month which I can not afford. I have tried many times to contact and work with them to find a solution but they tell me there is nothing they can do. Now, I risk possible default due to not being able to pay the monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX XXXX checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.

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 2022-03-04 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: DE

Complaint narrative:
This is my 3rd attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Bureau ( s ) has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that was reported to my credit file held with Bureau ( s ). These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to block the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account 's TransUnion Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$6600.00} Late Close : XXXX XXXX  XXXX Balance : {$0.00} Inquiry XXXX XXXX  Date of Inquiry XX/XX/2020

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 2022-03-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Inquiries with no consent and no gain. Please remove immediately and mail notification to address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: DE

Complaint narrative:
This is my 3rd attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Bureau ( s ) has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that was reported to my credit file held with Bureau ( s ). These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to block the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account 's Collection : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} Late Close : XXXX XXXX XXXX Inquiry XXXX Date of Inquiry XXXX/XXXX/202

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Ok so I made a {$140.00} tire purchase from the site XXXX  on XX/XX/XXXX. I tried to cancel my order maybe about 30 mins after cause of the name of the charge it was under. Looked up their cancelation policy and how to cancel on their site and i had 2 hours to cancel the order after putting it in. I had no luck with contacting the supposed company through email or phone. My email just kept getting kicked back and the phone number does not work. I called my bank after and tried filing a dispute but they said I had to wait til transaction cleared to do that. The transaction cleared and I filed my dispute on the XXXX of XXXX. I sent in the the screenshots of my purchase receipt and the site with all their info. It got denied the first time caused rhey saus they needed receipts or other unfo to be sent in. I tild them i already did send them in and they got to check their email. I called back and they put it in rebuttal. During rebuttal I got emails from XXXX stating the shipping info and tracking number and also an email asking g if I received my package that was supposed to be delivered on XX/XX/XXXX. I got these emails on the XXXX of XXXX saw no package and called ups on XXXX. They told me that the tracking number I received was not a package for me and to call my bank back and file a dispute again. Called my bank back told them I got emails stating I was to receive my tires but didn't. And that I called ups about where they were and they told me that I was basically scammed and to call them ( my bank ) back. They asked me to send the screenshots of the emails to them of the tracking info and it got denied again ... so I'm here contacting you guys cause I'm out {$140.00} and didn't receive the tires I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 im XXXX  n cant provide to my XXXX year old 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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

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 XXXX. 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 XXXX 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 I prefer to speak to a XXXX rept but they refused 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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 XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days 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 2022-03-04 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: TX

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: MO

Complaint narrative:
On my credit report it says my current address is an address Ive never moved too at all, but my old address is where I am currently, Ive never had a place in my name since 2016 but on my credit report it has me at this address that I never moved into or even authorized and this is fraud someone is using my information to move to places without my consent and want them to be sued for this asap.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is a mortgage from XXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There is a mortgage from XXXXXXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion on most recently XX/XX/XXXX and XXXX. I was told that I could go their website to remove the alert which on 5 occassions I am given an erroe code that it cant process my request at this time. 
I have called on 5 occasions as well and was told that the representative cant remove the alert due to an computer error.

I have never instructed Transunion to place an alert on my credit file!

This has caused me two incidences where I was denied credit because my cerdit file could not be accessed!

I was told to send a letter with a copy of license, social security and proof of current address which I have done on two occassions and have attached here as proof

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00}

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