vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted XXXX Disputes on XXXX XXXX. 
I contacted XXXX XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : 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 non-monetary relief
Consumer complaint received 2022-03-11 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXDOFED accounts opened XXXX/XXXX/2016

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX  or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my indentity to the identity theft affidavit. Please remove these items as soon as possible.

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 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
I'm writing to you out of pure frustration and desperation. I am in the process of purchasing a home and your company is reporting inaccurate information on my credit report. I have sent your company multiple dispute letters stating that this information is inaccurate, to no avail. Each time XXXX has said the company that provided them with the information has verified the data. Even though Discover has sent me proof they told you guys to delete it ( attached ) I have also sent your company several requests asking for the method of verification and the name of the person that provided the verification and they have ignored each of my requests. 
The account in question is DISCOVER BANK. XXXX and XXXX are not reporting this account XXXX continues to report on my credit report that this account is closed and that this account has multiple late payments when in fact, this is false and inaccurate information.I contacted Discover Associates and spoke with the supervisor that I worked with previously to handle this account and he stated that no one from your company has ever contacted them to conduct an investigation or requested verification of the status of the account. How did XXXX verify that this account has a closed status and/or any late payments? It clearly has not been verified and this account should be deleted immediately, as previously requested I am reaching out to you, as CEO to ensure that this is done. Otherwise, my next step will be to sue XXXX for multiple FCRA violations. If an immediate resolution to this issue is not made within the next 14 days, I am also preparing to file a claim with the MO Attorney General 's office. 
Your immediate attention to this matter would be greatly appreciated. 
Thanking you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX/DOFED accounts opened XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX/DOFED accounts opened XXXX/XXXX/2016

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 2022-03-11 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: OH

Complaint narrative:
On XX/XX/2021, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
I sent over a letter to this company by the name of XXXX XXXX that I kept getting emails from stating that I owe an balance on an account that I have no knowledge of. When I clicked on the email it brought me to a website showing a balance along with phone numbers to reach out to. I asked them what is this about and why is it saying I owe a balance .When I called the number they informed me that I would need to speak to AFFIRM. I then had sent Affirm a letter on XX/XX/XXXX requesting more information to validate this account for me. I waited and never received anything in the mail, they sent me a email instead on XX/XX/XXXX with just amounts and loan balances. I then sent them letter out on XX/XX/XXXX stating that they still have not complied with the FCBA. They only forwarded a portion of the documentation requested and required by the FCBA. I sent another letter on XX/XX/XXXX requesting for the 3rd time and it is now XX/XX/XXXX and they still are reporting this account, which has been detrimental to my credit report! I am requesting that they remove this account and delete it from my credit reports immediately. This is a serious matter and very sad that I am being affected and haven't been provided any documentation or even a response in over two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
-Fedloan is very difficult to get ahold of. It took weeks for a call back. Very long wait times over the phone. I am continuously given false or inconsistent information. 

On XX/XX/22, I spoke with a representative from Fedloan regarding the limited PSLF waiver. Given that I had loans with different payment counts, due to previous FFEL loans that were later consolidated, it was recommended by the representative to consolidate all of my loans in order to get the highest payment count applied to all loans. I submitted a request to consolidate my loans. 

On XX/XX/22, I received a letter from Fedloan about the requested consolidation. At the end of the letter, it stated that I would need to make another 120 qualifying payments on my new consolidation loan. 

On XX/XX/22, I received a letter from Fedloan that they had completed a review of my eligible and qualifying payment counts in your pursuit of ( PSLF ). They confirmed that my payment count was accurate and the matter closed. This is false information. According to my account, I have ZERO eligible payments for PSLF.

Before the consolidation, I had 96 eligible payments and 15 ineligible payments. I continue to have concerns regarding the ineligible payments and had previously requested a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  I transferred {$1000.00} from my XXXX checking account using Remitly application to my mothers XXXX XXXX bank account. They send an email confirming the money will be transferred on Friday XX/XX/XXXXXXXX XXXX 
XX/XX/XXXXXXXX XXXX  my mother confirmed that money was not transferred and I called Remitly. According to them the money was deposited in bank called XXXX XXXX with my mothers same first and last name and the same account number. They said when the confirmation came it said XXXX and not XXXX bank so they will not do anything on their side. I further verified from my side the money went to XXXX XXXX XXXX in XXXX with the same first and last name and same account number and according Remitly the bank will not return the money so they cant do anything. It dint even go the XXXX bank as they claimed and it went to different bank and what in the odds some one with my mothers first and last name and exact account number existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I'm writing to you out of pure frustration and desperation. I am in the process of purchasing a home and your company is reporting inaccurate information on my credit report. I have sent your company multiple dispute letters stating that this information is inaccurate, to no avail. Each time Experian has said the company that provided them with the information has verified the data. Even though XXXX has sent me proof they told you guys to delete it ( attached ) I have also sent your company several requests asking for the method of verification and the name of the person that provided the verification and they have ignored each of my requests. 
The account in question is XXXX XXXX  XXXX and XXXX are not reporting this account and I have attached those reports to this email as well. Experian continues to report on my credit report that this account is closed and that this account has multiple late payments when in fact, this is false and inaccurate information.I contacted XXXX Associates and spoke with the supervisor that I worked with previously to handle this account and he stated that no one from your company has ever contacted them to conduct an investigation or requested verification of the status of the account. How did Experian verify that this account has a closed status and/or any late payments? It clearly has not been verified and this account should be deleted immediately, as previously requested I am reaching out to you, as CEO to ensure that this is done. Otherwise, my next step will be to sue Experian for multiple FCRA violations. If an immediate resolution to this issue is not made within the next 14 days, I am also preparing to file a claim with the MO Attorney General 's office. 
Your immediate attention to this matter would be greatly appreciated. 
Thanking you in advance,

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 2022-03-11 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: TX

Complaint narrative:
I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus transunion, XXXX, and XXXX. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.

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 2022-03-11 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: TX

Complaint narrative:
I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, XXXX, and experian. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.

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 2022-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account : XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX has violated my rights. 

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

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone accessed my personal records. In addition to this person held my mail, and on XXXX XXXX, she emailed me a picture of my mail asking me to pick it up, then refused to give it to me. I also think she accessed my webcam via that email. 

I believe this person has been signing into my bank account at least since XXXX XXXX but Truist Bank isn't doing anything about it. I have been emailing and calling their fraud dept. since XXXX XXXX, but no one will get back with me. They have accessed my bank account 24 times in the last 30 days from a XXXX computer using the XXXX browser, and I only use a XXXX computer using XXXX browser. 

On XXXX XXXX this person signed into my account and changed my password to a XXXX password containing scattered letters, numbers and symbols. I continue to be locked out of my own accounts because each time I try to change and re-enter my new password the XXXX fake password automatically repopulates in the password window and eventually locks me out. I also discovered that my SS # and the email that associated with my Truist account are now on the Dark Web! I never share my SS #, usernames, passwords or passcodes with anyone, and this started during the XXXX months I was her roommate in her home.

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 2022-03-11 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:
PLEASE CHECK SUPPORTING DOCUMENTS FOR FURTHER DETAIL ON SITUATION. I AM SUBMITTING MY COMPLAINT WITHOUT INFLUENCE FROM ANY THIRD PARTY.

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 2022-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Please refer to close case # XXXX The issue still not being resolved per U.S. Bank -- I have not received refund requested.

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 2022-03-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted my bank ( Chase Bank ) JP Morgan in regards to charges that were being made against my account. This was being done by a 3rd party billing company that was drafting my account to make payment on my student  loan. I paid off my student loan on XX/XX/XXXX in full as since then they have been drafting my account {XXXX} from XX/XX/XXXX till XX/XX/XXXX. I asked for full reversal and credit of these charges and after I was told they would reverse they are not saying they can not as it is over 60 days. I never authorized this charge and I was also not made aware that my Loan was paid off. The third party merchant continued to bill my account even after my loan was already paid off. I was full re-imbursement as I was being billed for something already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: WV

Complaint narrative:
Checkr is a background check agency that reports driving records on behalf of the state bmv office and has altered report for unbiased reasons even when there isn't a reason they fraudulently made one to put an applicant partner on hold to potentialy loose a contract with a company. I have provided an example below of their business practices that may cause me to lose a contract with a partner. They need to be held accountable for their actions and be removed from their partner systems for falsifying background reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has put a Collections on my account from XXXX XXXX XXXXwhich has already been disputed and deleted before. This is clearly a reinserted account. It has been deleted for months already. They also refuse to remove any of my inquiries from my file. This has been disputed many times with FTC reports. Im still unable to take out the late charge from XXXX XXXX when it was never late and was confirmed with XXXX XXXX directly over the phone with a rep from XXXX. The three reports should be matching.

Company response to consumer: Closed with explanation