vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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: NJ

Complaint narrative:
I did not approve my credit pulled from the companies below I didn't authorize and I need them deleted immediately XXXX XXXX Inquiry date XX/XX/20XXXX XXXX XXXX Inquiry date XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/2XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XX/XX/2XXXX 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 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WV

Complaint narrative:
I have now waited months to receive any adequate information regarding my transaction history dating back to the beginning of the Covid-19 forbearance period. If I can not have access to this information, how am I supposed to make an educated decision with regards to how much I request to be refunded, or if I should request one at all? MOHELA is stalling, as they have been for months. I have sent them at least ten messages and received a reply stating refunds are delayed an additional 60-90 DAYS?! From when? This is madness, if I owed money my wages would be garnished by now. No information, no answering phone calls after hours on hold to be left on the line after two hours and then the elevator music just stops? Then to top it all off, no refund, and no idea how much it will be for. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account is XXXX old and Experian has deducted more points on this same acct again I have repotted this was not mine and have been fighting this for along time it was on all 3 reports and Experian has yet to remove it it just on fair they keep taking points on my score for this same and only account on my credit

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX  XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( 4 ) I have the right to privacy.

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

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent Experian my initial complaint that I filed with the FTC for identity theft in XX/XX/2022. I gave them every lawfully required document and by law Experian is supposed to remove and block the items from my consumer report. Experian has taken over 30 days to even complete an investigation and have yet to remove them. I am XXXX XXXX XXXX and this stress has made me ill. I am a XXXX  and this is the type of stress that can XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not have to beg Experian to follow the federal law.

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 2022-11-01 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: IN

Complaint narrative:
On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: IN

Complaint narrative:
On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.

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 2022-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01 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: FL

Complaint narrative:
I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-01 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: FL

Complaint narrative:
I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from fifth third bank and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at fifth third. The closest fifth third bank is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: MD

Complaint narrative:
I received a letter dated XX/XX/XXXX from Experian stating that their investigation was complete, and my credit report remains unchanged because the XXXX  and XXXX XXXX XXXX continues to falsely report to them that my account is charged-off and delinquent in the amount of {$10.00}, XXXX. This account was settled on XX/XX/XXXX. I have provided court documentation to that effect. All three credit bureaus have ignored the documentation I have submitted and will not take action against the credit union for continuing to provide false information.

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 2022-11-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax, XXXX, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CBC Companies, Inc.
State: CO

Complaint narrative:
XXXX, XXXX, XXXX XXXX, and innovis  are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was doing transaction via XXXX XXXX and the buyer send me email which looked like email from Zelle that transfer {$450.00} from buyer cant be processed because of the limit in my Zelle profile. I am not familiar with Zelle transactions. Email said the buyer has to send another {$450.00} which needs to be refunded by me right away to clear the transfer. Soon after I received another email from apparent Zelle about another payment {$450.00} which needs to be refunded right away to clear full transfer of {$900.00}. Person on XXXX provided me with her Zelle account for refund transfer. I did refund transfer of {$450.00} and received another email from fake Zelle that I have to do another refund to receive my money. Thats when I realized I was scammed and called my bank XXXX where I have checking account hooked with Zelle. Customer Service told me nothing they can do because Zelle doing payments to authorized and familiar individuals. Zelle customer service is not answering. Please be aware and vigilant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, US bankruptcy XXXX Act # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company has closed my account wouldnt give me the reason why and I was just simply disputing a charge that wasnt mines and I have a open legal case against chase bank and they never responded to it for years and Ive been a chase customer for awhile until they close my checking account in XXXX  and also told me I have a past due balance on another checking account that was open like almost 20 years ago I didnt authorize and I was in XXXX  during that time and they wouldnt open up a fraudulent investigation on it and never received any letters for that checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My Bluebird Prepaid Debit Account issued by American Express Travel Related Services Company , Inc., XXXX XXXX XXXX, XXXX XXXX, NY XXXX are holding my money and preventing me from paying a bill. They are going to cause me to be late, and if they do they should be made to reimburse me for the fees I incur. Tonight I spoke with a XXXX and a supervisor XXXX until XXXX XXXX who would not pay the payee I needed to pay through the system on their end. They both could see that my account had {$310.00} and told me they are not a credit card company and can not pay the payee for me. They also had me clear cache, data & history from both my cell phone and PC and attempted to tell me that it must be the payees issue?! This payee was paid previously without issue. This is a third party to the transaction and simply wants to be paid. The response given by XXXX a supposed supervisor makes no sense! I asked them both to take the block off of my account on their end & release my funds so that I can pay my bill. I asked that they stop playing games with my money. I can not for the life of me understand why I have to reach out to the CFPB with companies that simply will not just do the right thing for their customers, and for what reason? Isit that they simply want to hold their customers money a little longer to collect the interest accumulated? Make it make sense please. They have my money let me pay my bills with it this is so stupid it's beyond words.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF THE TREASURY Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I found out that I was a victim of identity theft someone had take a personal loan of XXXX at a bank called XXXX XXXX via Synchrony bank on XX/XX/XXXX and the made a transaction of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I went through the proper channels at identity theft. Gov I've frozen my XXXX number I've reached of to the bank and all they were able to tell me was someone used my first or last name and changed it and used my SSO number and added their self as the second card holder and a different address but the flaged the account but now the loan is on my credit report I am asking the this matter be looked into I XXXX this information about the loan at XXXX XXXX XXXX the bank number XXXX ( XXXX ) XXXX I've been working on rebuilding my credit but I never made this transaction and it completely fraud thank you for time with this matter

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 2022-11-01 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: FL

Complaint narrative:
I received a letter today from Trans union Again stating that the information on my report is correct. IT IS NOT CORRECT IT IS FRAUD. But the Consumer Services they keep reporting they are working on it. Clearly they are not. And once again, refused to remove a FRAUDULENT ACCOUNT on my credit report. What good is the Consumer Services if they arent doing their job, and letting these companies get away with allowing fraudulent accounts stay on a credit report.

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 2022-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM WRITING IN REGARDS TO THE ERRONIOUS/INACCURATE DATE BEING FURNISHED ON MY CONSUMER REPORT AS ACCURATE WHICH IS A VIOLATION OF THE FCRA ITS BEEN 30 DAYS AND I HAVENT RECIEVED A REBUTTLE FROM THE CRA PERIOD THIS NEEDS TO BE CORRECTED 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 2022-11-01 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: IA

Complaint narrative:
Well I been trying to get these XXXX hard inquiries off my credit report I dont even know what half of them are

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