vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to have this remark removed from my credit report : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX I am in the middle of buying a house and this is affecting 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 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grow Credit Inc
State: LA

Complaint narrative:
I contacted Grow Credit as a result of an entry on my credit report that I have no knowledge of. I have disputed the account in the past and they continue to hold me accountable for it. I finally made contact with someone via chat on XX/XX/2022 who acknowledged that it appears I was the victim of identity theft. She then told me that I needed to file an identity theft claim and they would remove the account from my credit file. I did that instantly and provided the number. Then she said I needed to complete an affidavit and they would have to research further. This company is giving me the run around over {$6.00}! The account shows that the available credit was {$180.00} but the due amount is {$6.00} that has been reporting for over a year negatively on my credit. This is insane. They are making me jump through hoops and each time I do what they ask, they make a new set of rules to prolong the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/22 Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I sent Jefferson Capital a police report almost 2 years ago notifying them that a debt that they were trying to collect was from identity theft. Also with the information I sent my then address that was XXXX XXXX XXXX XXXX XXXX which is also noted on the police report. 2 years later Jefferson capital has tried to covertly sue me for this debt using the old address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, without even having someone to sign for the notice they know that this is no longer my residence and has not been my residence for many years. The tenant got in touch with me through the property management company to let me know about this. Jefferson capital is being deceptive because they were sent the information over two years ago. I am including the same police report that i sent to the company 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in the process of buying a house and I need this off of my credit reports, I have called Experian and its really hard to get someone on the phone. Please delete this : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2022-11-29 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: MS

Complaint narrative:
On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX  and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, XXXX, Transunion, XXXX, XXXX, LCI, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on 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 2022-11-29 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: MS

Complaint narrative:
On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX  and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on 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 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: RI

Complaint narrative:
To whom it may concern, I received unemployment funds on a card from the bank Money Network. The card number for my Money Network account is XXXX XXXXXXXX XXXX XXXX On the Money Network app I input my account number to my XXXX XXXX account and transferred funds from Money Network to XXXX XXXX. The dates and amount of those funds are listed below. 

XXXX XXXX- {$500.00} XXXX XXXX- {$500.00} & {$500.00} XXXX XXXX- {$500.00} & XXXX The account number was input incorrectly, and the transferred funds were not transferred to my XXXXXXXX XXXX account and they still are not in my XXXX XXXX account. I called Money Network and they informed me that the funds were successfully transferred to XXXXXXXX XXXX. I then visited XXXXXXXX XXXX and they informed me that the account number ( that the funds were transferred to ) does not exist. Therefore once they received those funds there were unable to deposit it into the account because the account number that it was sent to does not exist. So then XXXX XXXX sent the funds back to Money Network. I called Money Network to explain that XXXX XXXX does not have those funds and that they transferred it back to Money Network ; I provided documentation by fax, email and mail proofing that. Money Network was supposed to put those transferred funds back into my account, but they are saying that the funds were transferred successfully to XXXXXXXX XXXX XXXX XXXX provided me documents that states otherwise, therefore Money Network does indeed have those funds and those funds should be in my account, which it is not. 
I opened a dispute with Money Network and this has been an ongoing dispute for months. Money Network denied the claim a few times stating that the funds were received by the intended institution. I have requested copies of the documents they used to come to that conclusion, and they have never sent those documents. I recently called again and have not been able to speak to a manager because the line disconnects when I am connected to a manager. I have never seen the documents used to determine that the transferred funds were successfully sent to XXXXXXXX XXXX 
For months now I have called, emailed, faxed and mailed documents from XXXXXXXX XXXX stating that the funds were never successfully transferred. My claim has got denied multiple times by Money Network. Recently I have taken note of who I spoke with, at Money Network, and what they said. I am able to provide that information if needed. I have gone through a lot of stress during these months trying to get money back that rightfully deserves to be in my possession. It has been especially stressful because I was in unemployment and that was the only funds I was receiving and I dont have it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: MS

Complaint narrative:
On XXXX XXXX, I notified the credit bureaus that the information on file is not correct. I am identity theft victim and according to Section 605B of the Fair Credit Reporting Act, which requires you to remove and block information that is on my file that I state is a result of alleged identity theft within 4 days after the notice has been received. 15 USC 1681 Section 604A states the consumer reporting agency can not furnish an account on my file without my written consent. I did not give written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C. 1681s-2 ( A ) ( 1 ) 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 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 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C. 1681s-2 ( A ) ( 1 ) 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 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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We had an odd occurrence where our account was negative due to a few factors and things with my wife having to take some unpaid time off from work and some recent changes in our life, and when I contacted Chase to inquire about reversing the almost {$600.00} in overdraft fees, they stated they were able to only reverse ( 3 ) individual fees and not the almost {$600.00}. I explained that I have placed a lot of money through their bank as well as have ( 3 ) credit cards with them and that this is absurd. They stated they could place a request in, but it was subject to approval. Every morning I wake I am seeing more and more fees add up into my account and I don't get my Veterans Administration monthly XXXX Payment until the XXXX. I am a 100 % XXXX XXXXXXXX veteran, and my wife works from home. We are on a fixed income and are working on figuring some things out while trying to organize our finances and Chase is capitalizing by charging us exorbitant fees. This is extremely unfair treatment ofcustomers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
I have asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. Equifax has unknown accounts on my credit report that Im asking to be deleted! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unknown, Acct XXXX 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs Closed my account for not apparent reason, i had called to verify my account information for them now keep in and have done nothing illegal have my account closed. I have been a account holder since XXXX of 2021!! I rarely ever used my account and i have some updated credentials such as a XXXX doing business as name or assumed name. I always have kept account in good standing. 


I really did'nt remember my information and as i have said before i rarely used this account so it's been awhile for me to remember my information ( still not illegal ). So i contact Goldman Sachs to verify my account. When i finally did i logged in my account and checked my balances. today at XXXX. i was put on hold for XXXX min and transfered to their security dept I spoke with XXXX and she said she had to close my account i asked her why and she told me she coud'nt disclose that information to me. 



I just find it supecious that they closed my account after me being an account holder for over XXXX years. and when i coun'nt remeber my information they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
In XX/XX/2021 I made purchases on my Comenity Bank card at XXXX XXXX XXXX XXXX. In XXXX I realized that I never received a statement. Not paper nor email. I called them and paid the full amount of XXXX $ on XX/XX/XXXX. End of XXXX I called them to cancel the card since I was upset they fail to send me statements.Over the phone they advised me that I have another XXXX $ in late fees for which again I was NOT notified. I paid the full amount. Confirmation number for the card cancellation was XXXX. The card was yet never cancelled by them. The same week my credit score dropped from XXXX to XXXX. Comenity had reported me as over XXXX delinquent. Although I paid the pull amount in XXXX they have charged me XXXX $ late fee AFTER I had paid the pull amount. Those XXXX $ had accumulated to XXXX $ and they reported me delinquent. In XXXX I called them trying to dispute. Although they admit it was wrong and they reimbursed me the XXXX $ ( confirmation XXXX ) they say that once reported they can not unreport the late payment. 
I have tried reporting with all three bureaus but nobody can amend Comenitys initial fraudulent charge. I have not changed my email or address in the last XXXX years. And although I complained in XXXX that I no longer receive statements, they failed to notify me of any late charges. I believe Comenity bank knowing charges their customers fraudulent charges and fails to notify them in order to collect fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under metro 2 guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,

Company response to consumer: Closed with explanation