vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: PA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX My commissions are paid by the XXXX XXXX The month XXXX I had deposited my checks. At the end of the month, they all were taken away AFTER being cleared and flagged for a scam. I got all checks verified except for one. They dont want to a verify a {$7000.00} check because the title company does not have a registered number with chase. The CEO of XXXX XXXX XXXX does not know what this means. I have provided documents, and cleared paperwork on the side of XXXX XXXX XXXX they do not want to take any of it I have been struggling to get my money. Please help.

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

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-11-03 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: TX

Complaint narrative:
I have submitted several requests to have the date of first delinquency correctly reported for the XXXX XXXX Account listed on my credit file. I submitted proof along with my request. However my proof is constantly disregarded. Due to the first date of delinquency being reported incorrectly, the file is not aging correctly and is affecting my credit scores. Interest rates continue to rise and this file has prevented me from refinancing my home and has resulted in financial harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
At XXXX XXXX  I received XXXX emails from Citi Bank, I do not have accounts with them. XXXX of the emails acknowledge the opening of a checking and savings account. 
XXXX email contained the user ID used for login. 
I tried to contact Citi Bank but can not get through as I do not have the account number or other verification information, I could not use my SSN to access it either

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I left XXXX on XX/XX/XXXX and transferred all XXXX phone to XXXX XXXX  and on the next month I reserved a bill from XXXX for XXXX of the phones I went to XXXX to get it fixed and they said it was fixed and that should have not happen because I had not finished the month with them and they owed me XXXX for that month. Next month I get a bill again for the phone line again saying I owe them. Went to XXXX again and was told that it was all set. Still no check for the XXXX. Next month got a letter from a collection agency for the bill from XXXX. Went back to XXXX and after 2 day wait they said sorry can't help deal with the collection company. Still no check for my XXXX for not finishing the month XXXX that I paid for. Any help would be great.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX acct XXXX XXXX has violated my rights XXXX XXXXXXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX acct XXXX XXXX has violated my rights XXXX XXXXXXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX, XXXX. The following occurred : XXXX transactions made on XX/XX/XXXX Posted XX/XX/XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX RE : Police report XXXX Date : XX/XX/XXXX My caregiver placed this low-income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pushed my wheelchair into the bedroom, went into the kitchen and while I assumed she was preparing my lunch, grabbed my cell phone and began sending unauthorized XXXX  transactions to herself. 
After a while, I began calling her name. After my third cry, I realized she was no longer in the apartment. Then I crawled to my wheelchair and rolled into the kitchen where I noticed that my keys were gone. Thats when I realized that something was wrong. Then I went to my desk and saw that my XXXX XXXX phone was not where I had left it. My black bag in which I kept my IDs, bank cards, Medicaid, insurance cards, and medical papers was still there. 
When I looked inside, I saw that my SS card, IL state ID, Citi debit card, and credit cards were missing. 
It was the worst day of my life. And now Citi is telling me this never happened and is holding me accountable for the missing funds. Citi has applied provisional credit for the ATM withdrawals, ( XXXX, but I received a letter stating this will be withdrawn. Citi has not applied the {$1700.00} provisional credit for the XXXX thefts as I was told they would, and now I can not pay my rent and may soon be evicted.

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 2022-11-03 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: TX

Complaint narrative:
In the course of my student loan many companies have been involved, I believe that one of them hav not reported my account properly. And showed that I have been late in the past. Have never be late since my payments were made by my former employer.

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 2022-11-03 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: TX

Complaint narrative:
In the course of my XXXX loan many companies have been involved, I believe that one of them hav not reported my account properly. And showed that I have been late in the past. Have never be late since my payments were made by my former employer.

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 2022-11-03 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: TX

Complaint narrative:
I have submitted several requests to have the date of first delinquency correctly reported for the XXXX XXXX Account listed on my credit file. I submitted proof along with my request. However my proof is constantly disregarded. Due to the first date of delinquency being reported incorrectly, the file is not aging correctly and is affecting my credit scores. Interest rates continue to rise and this file has prevented me from refinancing my home and has resulted in financial harm to me.

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 2022-11-03 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an open dispute with experian. Please see document stating EXPERIAN PROOF. They are sending me notification that under the FCRA I can have the fraudulent accounts for XXXX blocked yet, the website will not accept the document upload. 

I have requested multiple request for a supervisor call back [ XXXX XXXX XXXX ] and to date, have not received a call from anyone. 

I am already fighting fraud. I do not want to mail my entire credit profile with identifying information. 
Please Help

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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I called LoanDepot at XXXX on XX/XX/2022. I called from my mobile number XXXX. 

I called for general information and stated multiple times I did not want a hard inquiry and they still ran a hard inquiry on my credit. 

The representatives name was XXXX XXXX XXXX XXXX

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

Complaint narrative:
incorrect date of the first late payment this account is more than XXXX XXXX XXXX from the first late payment account # XXXX XXXX, account # XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect date of the first late payment this account is more than XXXX XXXX XXXX from the first late payment account # XXXX XXXX, account # 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 2022-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i made a pyment arrangement several time with representatives and my car was still repossessed. I was not able to make payments because i was laid off from work and i explained that to fulton bank several times please help

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 2022-11-03 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: Nelnet, Inc.
State: AR

Complaint narrative:
I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXX.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.

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

Complaint narrative:
I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. Transunion reported XXXX  phone said i owe {$210.00} for phone service. I have been with XXXXXXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. Trans union will not help. I filled 3 disputes. Also the collection company will not return my call.

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 2022-11-03 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: Allied Collection Services, Inc. (Nevada)
State: MI

Complaint narrative:
I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. XXXX reported XXXX phone said i owe {$210.00} for phone service. I have been with XXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. XXXX XXXX will not help. I filled 3 disputes. Also the collection company will not return my call.

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