vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft and this is my request to remove the information from my credit file resulting from the crime. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the inquiries are UNKNOWN to me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXXXXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : XXXX XXXX XXXXXXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX and XXXX OF XXXX XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : XXXX XXXX XXXXXXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX and XXXX OF XXXX XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.

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 2023-11-01 00:00:00
Product: Credit 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:
Citi customer service told me I have 30 days to cash out my Citi Thank you reward points after my account was closed, but later when I called within the 30 days time frame, I was told my reward points had been forfeited. Below is a detailed description of what happened : I called Citi at XXXX on XX/XX/ at XXXX XXXX  PST after unexpected account closure to redeem my citi thank you rewards. The customer service representative told me I can cash out the rewards in the form of a check. He also updated my mailing address. I didnt make the decision at the time because I was still trying to figure out why my account was closed, and was hoping for a better solution. After I expressed my concern, the CSR told me I will have 30 days to cash out my rewards. So I said I would think about it and ended the conversation. 

I called again on XX/XX/XXXX  at XXXX XXXX  PST to redeem my reward points, but was told that my rewards had been forfeited even though it was within 30 days of my account closure. I had more than XXXX reward points ( I dont know the exact number because I lost access to my reward account ) accumulated over the years, which are very valuable to me and a major reason why I use my Citi credit cards. 

As a result of being misled by the wrong information directly provided by Citi customer service representative, I have lost my reward points. I think Citi is resposible and I should be given another chance to redeem my reward points. 

The time stamps of the recorded phone calls are listed above so that you can properly investigate the situation. Both calls are from ( XXXX ) XXXX Thank you. Please let me know If you have any questions.

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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
My previous complaint XXXX was closed immediately after the company responded. I appreciate the resource provided by CFPB, and I would like a second review of these facts as I believe the statements made to CFPB were false, and because they addressed just one of three alleged FDCPA violations in my complaint. 

XX/XX/XXXX  : I notified collector Williams & Fudge not to contact me at work. XX/XX/XXXX  : Followed up with a written request to cease contact at my workplace. XX/XX/XXXX  : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. In addition to these calls, I requested debt verification on XX/XX/, but received it on XX/XX/, violating the 30-day time limit in FDCPA 809 ( b ). Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge. 

-- -- -- Williams & Fudge did not address my allegation that they exceeded the maximum amount of time allowed to respond with verification of the debt. Williams & Fudge did not respond to my allegation that they failed to make required statements under FDCPA section 809 ( a ). 

Williams & Fudge claims that I did not tell them not to contact me at work and claims to have reviewed call logs in preparing their response to this claim. I have requested, on multiple occasions, not to be contacted during work hours. Additionally, Williams & Fudge claims that I only requested not to be contacted on my work phone. This is patently false. Not only was this communicated by phone, but the exact language of my emails is clear. 

" We spoke by phone on XX/XX/XXXX, and confirmed that this email is the best way to reach me. '' " In addition, my employer prevents me from answering calls during work. '' " Beyond verifying employment, my employer privacy policy prevents them from sharing information without my consent. I understand you have already verified my employment. Do not continue to contact my employer as that is the extent of information they can provide. Do not contact me at work. '' Williams & Fudge falsely asserts the claim that I only told them not to contact my employer and never asked not to be contacted during my working hours. 
Williams & Fudge claims to have conducted an internal review following receipt of my email complaint. They stated that call recordings and email communications were reviewed and did not locate any notification not to contact me during work hours. The supporting document of my original complaint demonstrates that I had made clear requests not to be contacted during work and raises doubt about the review conducted by Williams & Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. 
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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My eligible payments under the PSLF special waiver on MOHELA are incomplete. The following periods are missing : XXXXXXXX  ( 3 months ) XXXXXXXX  ( 7 months ) XXXXXXXX  ( 6 months ) I have already submitted employer certification for these 16 months, however, they are still not reflected as qualifying payments. MOHELA has already processed these forms and applied them to my account for the other periods that are covered. 

These periods should be eligible as I was participating in a Perkins loan cancellation program based on my " XXXX XXXX XXXX XXXX '' service as detailed at https : //studentaid.gov/XXXX. These loans are part of my consolidation loan. The other periods of deferment under this program ( an additional 32 months ) are already showing up as eligible payments. 

I am requesting that these 16 months be added to my eligible payment list and I be given credit for the employment certification that I have already submitted. This should increase my qualifying payments from 105 to 121 and make me eligible for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
See document attached

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. 
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 2023-11-01 00:00:00
Product: Credit reporting 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 is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
There is a fraud social security number on my credit report and unauthorized accounts opened and unauthorized hard inquiries

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 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My last hardship application filed in XX/XX/XXXXXXXX  expired because I was unable to get my ex-wife to sign the application ; So on XX/XX/XXXX, I submitted another hardship application seeking mortgage hardship assistance. 

Meanwhile, I received a letter in the mail from 53 postmarked XX/XX/XXXXXXXX  stating that 53 will only remove my ex-wife from the primary mortgage and the equity flex line 2nd mortgage if I refinance at today 's significantly higher interest rates. Fifth Third points out that... 

" Spouses ( XXXX XXXX, the husband ) who do not want to be included in the application process or listed on the Note or obligation to repay the debt, are required to sign the mortgage on the property, as well as a few other closing documents. As her spouse, you were required to sign the mortgage, the Waiver of Borrower 's Rights Rider, and the Notice of Right to Cancel at loan origination. As you signed these specific documents, we are able to provide you with copies. HOWEVER, WE ARE UNABLE TO PROVIDE YOU WITH ANY INFORMATION REGARDING THE EQUITY FLEXLINE. AS YOU ARE NOT A SIGNER OF THE NOTE ''. 

The issue here is that the equity flex line of credit 2nd mortgage is not in my name but I am willing to take responsibility for it if 53 removes her name from the loan and the primary mortgage. 

I should not be put in a position to have my home foreclosed on due to the flex line of credit ( that is not in my name ) delinquency that I could have refinanced during the 10 months it took 53 to let me know the status of my hardship application, which ironically resulted in a higher equity flex line payment. It makes no sense that I should have to refinance at the higher interest rates that exist in today 's market when I had the opportunity to refinance ( in order to remove my ex-wife 's name from the primary mortgage & the flex line of credit ) when rates were lower, but as a tradeoff, I waited for the status/results of the hardship application. 

It appears that Fifth Third deliberately refuses to acknowledge their negligence and exercise their duty of care to me as a customer. 

According to XXXX... There are two ways to remove an ex-spouse from a loan : Release and refinance... A lender may release the ex-spouse from the loan. If presented with a divorce decree and a quitclaim deed, many lenders will remove the ex-spouse and leave the loan in the name of one spouse only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my debt card at gas station this morning between XXXX to XXXX I use my card to get gas at XXXX XXXXXXXX went home and went to sleep woke up and realized my card and wallet was missing and received and alert saying my card was used to take {$3500.00} from an Wells Fargo bank atm machine

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