vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I was a victim of the XXXX data breach of 2017. and the Alaska XXXX fund dividend data breach that happened on XX/XX/XXXX because both XXXX and the Alaska XXXX fund dividend failed to keep my info safe my identity was stolon. 
the following accounts on my credit report are not mine XXXX XXXX XXXX account number # XXXX {$8800.00} XXXX XXXX XXXX acct # XXXX {$4000.00} XXXXXXXX XXXX  Acct # XXXX {$870.00} XXXX Acct # XXXX {$510.00} XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX {$3900.00XXXX XXXX XXXXXXXX XXXX Acct # XXXX {$8200.00} XXXX XXXX Acct # XXXX {$860.00} XXXX Acct # XXXX {$6200.00} XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$2600.00} XXXX Acct XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX # XXXXXXXX {$20.00} XXXXXXXX XXXX  acct # XXXXXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$2000.00} XXXX FEDERAL XXXX XXXX acct # XXXX credit inquiry that are not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have filed a police report and ftc report as well

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 2022-07-29 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: TX

Complaint narrative:
XXXX XXXX allowed XXXX to run a hard credit inquiry. 
I'm fairly sure you are only supposed to run credit if you process an application. 
They didnt even process our application, they can't even find it or account for it. 
They refuse to remove inquiry Instead of helping small businesses they're just hurting them. 
I'm no lawyer but I'm fairly sure it's illegal to not process applications and run hard inquiries on peoples credit all day.

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 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After several attempts to correct this issue the company still will not remove from my credit. The debt was a third party collection debt. I have no knowledge of this account. I never opened this libe of credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens bank initiated user-requested multiple duplicated XXXX transactions after communicating to a user the system failure of each. Citizens bank is misleading user to believe that the action did not go through and retry is needed. All other banks usually give some sort of notification to a user that the transaction is initiated. In this case, there was no update or notification on account until a few days later. That's when I learned that there is no sufficient ballance because bank tried to post multiple duplicated XXXX transactions 3 days in a row with the first one being successful and all following transactions leading to overdraft + sustained overdraft fees. This fraudulent deceipt misleads user and attempts to collect a variety of repeated fees after bank misleads user into believing that there was a failure on bank 's end to initiate a transaction based on user action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 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: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Hello, my current mortgage is showing as an installment loan on my credit report. After speaking with XXXX XXXX and my lender, they informed me this should be showing as a real estate loan. I originally took my mortgage out with XXXX XXXX XXXX in XXXX of XXXX and they sold it to Lakeview Loan Servicing a month later in XXXX of XXXX. On my XXXX credit report, it shows that XXXX reported it as a real estate loan, but once Lakeview took over, they reported it as an installment loan. An installment loan is a personal loan or a credit card. My mortgage is NOT an installment loan. This is hurting my credit and I need this fixed immediately. The co-mortgager, XXXX XXXX, is also having this same problem. Both of our credit reports show : Real Estate Loans- {$0.00} / Installment Loans - ~ {$430000.00}. To the credit bureaus, this looks like I just took a personal loan or have a credit card for this amount. I really need this fixed so my mortgage starts helping my credit instead of hurting it. If you need any additional information, please call me or email me. I can provide screen shots of my credit report showing this is being reported incorrectly. I did submit a claim through Lakeview Loan Servicing 's portal 2 weeks ago, and never received a call or email back. Thank you for your time.

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 2022-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sulphur Bank Rancheria Enterprises
State: CA

Complaint narrative:
I received this email of denial at my email address of XXXX I did not apply for this loan. I have never heard of this company. I resent the fact that they say I applied for a loan and referenced my credit report. They are false advertising and targeting. Did they really run my credit? If not, why insinuate that they did? I am going to keep a close watch on my credit report. 

Is this an attempt to get me to call them? Very alarming. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: UT

Complaint narrative:
In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 XXXX ) XXXX XXXX, Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: AES/PHEAA
State: CO

Complaint narrative:
Fedloan is reporting late payments on my report but i was in forbearance it litterally goes from nothing being reported to being 120 days past due or even 90. and they are not being reported correclty if i was in forebearnce how could i have late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
Company is unable to provide proof of ownership They have lacked to provide Original signed contract Original balance Payment history Address, phone number, all there information is incorrect

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I added around XXXX XXXX dollars to a Marcus by Goldman Sachs savings account between XX/XX/XXXX and XX/XX/XXXX of 2022. 
On the evening of XX/XX/XXXX I decided I wanted to withdraw the funds to use elsewhere but I wanted to keep the account open so I withdrew all but {$100.00}. 
My account was frozen and so I called and they informed me they were closing my account. I asked them where the money would go and they stated the money would " stay with the account ''. 
I did not save a copy of the statement but I do have the email stating my statement was available. I also have the documents from the money leaving my other bank accounts and into the Marcus account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX settled this account and agreed to remove all negative information. 
I believe its over XXXX XXXX XXXX and Equifax still shows negative history and can't seem to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD 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 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ran my hard credit two days in a row XX/XX/XXXX & XX/XX/XXXX. 
They made a mistake and should have only ran it once. 
Also they never processed the application because it was flagged as possible identity theft. The resolution letter went out with no path forward to fix except run credit a third time.

They shouldnt run credit three times to try and get a credit card

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company is unable to provide proof of ownership They have lacked to provide Original signed contract Original balance Payment history Address, phone number, all there information is incorrect

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 2022-07-29 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/2020 I spoke to a synchrony agent to make a payment in the amount of {$530.00}. I was informed and confirmed this payment would bring my SynchronyXXXX XXXX account to a XXXX balance and paid in full. I requested the account closed at that time. I recently applied for credit and was told that I had a {$21.00} charge off on my credit report. I spent more than an hour and half on the phone with synchrony to get this issue resolved today only to learn they charged me a {$21.00} interest charge after the {$530.00} payment was made and only offered to look into it. I spoke to XXXX who transferred me to XXXX which transferred me to XXXX which sent me to the manager XXXX who was little to know 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 monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX EMPLOYER : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: OH

Complaint narrative:
U.S. Bank illegally opened an extended line of credit without our permission, nor with written authorization from the Non-Profit Organization ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was opened at a branch ( which has not been divulged ) under an EIN number that had expired 10 years ago and tenure and authority changed on the account. US Bank is now trying to collect a debt under an account that has been closed, and no longer active, ( since XXXX ) and refuses to cooperate by providing copies of the alleged Agreement they allegedly had with a signature of the responsible party of the Organization.

I am personally receiving debt collection calls at my home 2 x a day, XXXX XXXX  and XXXX XXXX  and I receive phone calls even on the week-ends. In the past I have written and tried to reach an understanding with many individuals even at the Headquarters in XXXX. I have been ignored, treated as if I did something terribly illegally wrong and US Bank is putting this burden from their inside mistakes on my shoulders. I am only a responsible Party of our Organization, not the owner. No written Debt Collection notification regarding our rights has been forthcoming. Therefore ; I ask, where is this paper work indicating who opened this line of credit and when? 
Here is the first contact made>>> Dispute regarding Extended Line of XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  This is just to confirm that a dispute was sent yesterday for the following Business Account in regards to alleged " Extended Line of Credit '' No. # XXXX. 
I am confirming that XXXX XXXX, XXXX in XXXX Ohio Branch initiated the complaint. 
Please respond in kind as to what else may be required at this time and/or if the dispute was received. 

Thank You XXXX XXXX XXXX XXXX XXXX NO RESPONSE Second Contact made>>>On Friday, XX/XX/2022 at XXXX XXXX  EDT, XXXX XXXX XXXX wrote : In accordance to the Federal Investigators, your company US Bank has been ordered to refund all fees and monies owed to the abused account mentioned in this email for an extended line of credit that our organization nor myself as responsible party, agreed to in writing in accordance to Law. Unless authorized signatures are forthcoming we are allowed the refund of all fees and interest charged on the Line of Credit in the aforementioned account. Thank you.

Responsible Party, XXXX XXXX XXXX' In conclusion, We need 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 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/22 two {$31000.00} and {$6700.00} were unauthorized wire transferred to two strangers from my checking account caused by the Citibank 's promotion wanting consumer 's huge amount of money. I was not given the Client Manual nor the info how to prevent faud when opening the first acoount. Citibank did not set filter and alert as such suspicious activities occured while the Citicard found them and stopped, then informed me in a letter two times. I filed Affidavits and it has been under investigation since XX/XX/22 but the bank refused to give me the provisional credit as it was required by the law and their policy. They even failed to provide Swift code 1 and 2 and the IP address - the necessary information for FBI to do investigation to catch the criminals and prevent future fraud. The XXXX branch refused to help me out before and after the fraud, they lost my huge amount of money but did not want to take any responsibilies for it.

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 2022-07-29 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:
I reviewed my credit report and discovered several accounts in my credit report that appeared too not have been mine, i contact the companies trying to find out how they got my information and why they were reporting negatively to my credit report they were not having they just wanted me to pay for something that is not mine realizing i was not getting anywhere with them. i made a fraud report with the identity thief at the web site ( Will add report ) in accordance with the fair credit reporting act XXXX  the accounts have violated my rights 15.us1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. I would like to have these account listed on my report to be deleted of my credit report permanently not to be returned.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I was a victim of the Equifax data breach of XXXX and the XXXX XXXX XXXX dividend data breach that happened on XX/XX/XXXX because both Equifax and the XXXX XXXX XXXX dividend failed to keep my info safe my identity was stolon. 
the following accounts on my credit report are not mine XXXX XXXX XXXX account number # XXXX {$8800.00} XXXX XXXX XXXX acct # XXXX {$4000.00} XXXX XXXX  Acct # XXXX {$870.00} XXXX  Acct # XXXX {$510.00} XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX {$3900.00} XXXX  XXXX XXXX Acct # XXXX {$8200.00} XXXX XXXX Acct # XXXX {$860.00} XXXX Acct # XXXX {$6200.00} XXXX  Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$2600.00} XXXX Acct XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX {$2000.00} XXXX XXXX  XXXX XXXX acct # XXXX credit inquiry that are not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX i have filed a police report and ftc report as well

Company response to consumer: Closed with explanation