vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account with XXXX XXXX {$2200.00} has absolutely NO MERIT and should not be on my credit report due to the nature that its fraudulent. identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 605 ( b ) ( 2 ) these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. This creditor in question has neglected my letters and not responded to my calls / emails. XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, this account is charged off and is not mine, again THIS IS NOT MINE and I have let the FTC & CFPB know this. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is fraudulent and illegal to keep reporting, please cease and desist all reporting activities.

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 2019-10-01 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: CA

Complaint narrative:
This account with XXXX XXXX {$2200.00} has absolutely NO MERIT and should not be on my credit report due to the nature that its fraudulent. identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 605 ( b ) ( 2 ) these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. This creditor in question has neglected my letters and not responded to my calls / emails. XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, this account is charged off and is not mine, again THIS IS NOT MINE and I have let the FTC & CFPB know this. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is fraudulent and illegal to keep reporting, please cease and desist all reporting activities.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), XXXX ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and XXXX ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
XXXX XXXX Detective XXXX XXXX from XXXX police department contacted me back XX/XX/XXXX and notified me that Portfolio Recovery never retrieved the police report in regards to account XXXX nor have they requested the police report from their department. Yet XXXX stated to the CFPB they validated the fraudulent account opened without my consent. My ex husband also filed a CFPB complaint because he notified the creditors back in XXXX I had identity theft and fraud under my name yet the debt was sold anyways and the creditors never obtained the POLICE reports. It is their responsibility to obtain this legal active report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My financial aid office recommended high interest loans for me to complete my education in 2007 ( XXXX degree ). I now have multiple students with 3 companies. I was contacted to consolidate and believe the lenders were preying in my lack of finance repayment and accrued interest knowledge. I now have over $ XXXX in student loan debt alone. Have been paying on loans for years with no end soon in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I started receiving correspondence from XXXX XXXX claiming I owe {$95000.00} in student loan. They claim I borrowed from Wells Fargo. Wells Fargo is the most dishonest bank, I never consolidated or borrowed anything for school from them. I deeply regret having a mortgage with them and accounts. 
I since looked at NSLDS and my student aid websites. My servicer is in XXXX TX, XXXX XXXX XXXX XXXX. There is no mention of Wells Fargo or XXXX XXXX. The total amount I owe is {$80000.00}. Once again Wells Fargo is trying to steal money and charging XXXX more than what I owe. 
I still have a credit card in my name that I never signed up for. The card was used and charged to the max by my ex boyfriend who lived with me. I was s victim of XXXX  XXXX and XXXX. I was able to get a XXXX  and start rebuilding my life after this ordeal. However Wells Fargo is still demanding I pay this credit card and I refuse to do so. I almost lost my XXXX  and already lost a lot of money from theft and fraud committed by this man. 
This student loan scam is just the latest in the ongoing greed and abuse by Wells Fargo.

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 2019-10-01 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: NY

Complaint narrative:
I am a victim of identity theft, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have had at least 10 accounts repoved from my credit report. Possibly more. And not one of the did I acquire proper raises in my score for having it removed. What do I do no

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 2019-10-01 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: NY

Complaint narrative:
I am a victim of identity theft, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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:
I am a victim of identity theft, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.

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 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Received a text message appearing to be from Peoples United Bank asking if I had authorized a purchase - I responded with a NO. They called me and a person claiming to be from Peoples United Bank proceeded to ask questions relating to my bank account and so I answered accordingly. He told me they had to close my account due to fradulent activity. He gave his name/ID number all while posing as a Peoples Bank employee. I gave him general information and he said he would take care of the situation. I went on Monday to inquire about this situation to the branch in XXXX, CT. There I found that there were 3 unauthorized transactions of {$500.00} each for a total of {$1500.00}. 
XXXX {$500.00} XXXX {$500.00} XXXX {$500.00} I tried to file a claim to receive these funds back. My claim was denied because Peoples Bank claims that I entered a " Code '' to authorize the funds. I was NEVER asked for a code and never gave a code. I assume the hacker must have hacked my phone or internet or something where he was able to get that code or whatever they are talking about. I did not give any codes to anyone nor was I asked about one. I keep telling this to Peoples Bank but they are not hearing me and keep claiming that I did this. Other banks usually refund unauthorized transactions right away so I am very upset to know Peoples Bank has denied this to me- especially as the scammer took the role of a Peoples employee and I am out {$1500.00} hard earned dollars. I would like a refund asap.! 
I need my funds back immediately! I am a widow and having financial troubles and obligations. This has really caused me immense stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX credit made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and 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 2019-10-01 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my WellsFargo checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : JXXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX  has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and 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 2019-10-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.

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 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.

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