vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: TX

Complaint narrative:
On XX/XX/2022 I contacted Equifax information XXXX, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
EQUIFAX AND XXXX AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights Equifax is Reporting a Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX also the fraudulent inquiries Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO EQUIFAX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS XXXX DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2002 while checking to confirm my two Citi credit card accounts were linked, their website identified a third card that could be linked. This was a Citi Bank debit card with only the last four numbers shown. I first called the CITI credit card unit, after 20 minutes they informed me they could not find this card nor explain why it shows up on the website. They transferred me to a banking unit. After another 20 minutes the representative told me they could not find any card and gave me the number for their retirement unit. After waiting another ten minutes to actually speak to someone, the representative there informed me they could not help me nor explain why this card is showing up. She then told me that I would have to speak to the Credit card unit. I asked her to connect me to a supervisor, which she agreed to do. After another 20 minutes I was connected to the general line which then disconnected. I then called customer service again and once again was supposed to be connected to a supervisor but was disconnected. I subsequently called again and after a failed attempt to help me connected me back to the CITI retirement unit. I spoke to a supervisor who was able this time to find a closed account, but did not find any debit cards. He was still unable to explain why your website indicated that there was a debit card that could be linked. 
After spending over one and one half hours on the phone and speaking to eight different people, and being disconnected several times I gave up with no resolution to my problem regarding the Debit Card. I sent my complaint via e mail to the CEO of Citibank but did not get any response. 
I am writing to you with the hope that you can have the appropriate person contact me by phone or e mail, and explain why your website shows that there is a debit card when none of your service people or supervisors can find one.

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 2022-06-25 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 never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A relative opened a Credit card and Made me a Beneficiary Or another Recipient of this account. A purchase of {$440.00} was made on my behalf in 2018. I was called and harassed numerous of times to the point of having to change my number, i was receiving threat 's of debt collections and a decreased credit score. I've emailed called and written letters To get this removed from my credit report to no avail. They have claimed to resolve the problem and i the consumer just Disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has taken over 180 days to complete my claim. My identity was stolen and my unemployment card was sent to an unknown address. Upon learning about the fraud, I immediately report the fraud to Bank of America and filed a claim. This was in XXXX of XXXX, it is now XX/XX/XXXX. I have not received my unemployment. I tried to file my taxes and the IRS is saying I owe them money for unemployment that I have not yet received. I've called to check on the status of my claim almost every week and nothing has changed. Bank of America did send me a letter in XX/XX/XXXX saying they will issue me a temporary credit and that I will see that credit within 48 hours. I never received that credit either. I called about that and no one in the claims department seems to have any answers for me besides, it's still pending..I need my unemployment.

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2022 Equifax gave the information to XXXX XXXX XXXX and on XX/XX/2022 Equifax told XXXX XXXX XXXX Bank and XXXX XXXX about my credit report. I have been asking all year for equifax to send me a copy of my report. I asked Equifax again on on XX/XX/2022 to send me a copy of my report. How can I dispute the report, when they will not send me a copy? .Equifax keeps giving me a score of XXXX but will not follow their own rules! I need a copy of what is Equifax is saying about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: TX

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX TRANSUION, XXXX services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND XXXX AND Transuion Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT XXXX IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX TRANSUION : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE XXXX CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action

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 2022-06-25 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: TX

Complaint narrative:
On XX/XX/2022 I contacted XXXX XXXX XXXX, EXPERIAN services and supplied a complete identity theft case including police report Proof of address theft affidavit and other identity information that clearly certify that Im a victim of identity theft.and Negative & Derogatory Information and inquiries are Not mine. I did not Authorize any creditor to obtain or report any information especially with it being fraudulent! 
XXXX AND EXPERIAN AND XXXX Had XXXX buisness days to Remove and or block the information on my personal credit report according to the fair credit reporting act section 605 B which they did not instead they have failed to protect my consumer rights XXXX is Reporting a Fraudulent Account ( 1 ) XXXX XXXX XXXX XXXX also the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc etc all other inquiries are FRAUDULENT ALSO XXXX WILL NOT LET MY ACESS FULL ABILITIES TO CONTACT THE FRAUD DEPARTMENT THEY HAVE NOT UPDATED OR REMOVED THE REPORTED FRAUDULENT ACCOUNT EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE NOT MINE ( 1 ) XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX : is Reporting fraudulent inquiries that I personally DID NOT AUTHORIZE EXPERIAN CLAIMS I DID NOT SUBMIT A POLICE REPORT WHICH THEY ARE LIEN IVE SUBMITTED MY POLICE REPORT THEFT AFFIDAVIT AND PROOF OF ADDRESS OVER 100 times im not wanting to pursue and take further action

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 2022-06-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian needs to show that I paid XXXX and the collection company is XXXX XXXX in full.

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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Progrexion Holdings, Inc.
State: SC

Complaint narrative:
I signed up for credit monitoring on credit.com and they charged me for a free trial twice overdrafting my account they later refunded me but didnt pay my overdraft fee so I requested to cancel my account and they will not cancel it and Im fearful they will charge me again and also I didnt authorize them to link my debit card to a credit service that report my utility payments so they reported my payment and it decreased my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
XXXX XXXX Collection Representative for Atlantic Collection Retaliated against me by putting this false account in my credit report after ii sent him a letter that I paid my dr bill to the doctors office. this company then retaliated against me and damaged by credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
i wrote to equifax and they still did not update my credit report these account need to be remove as soon as possible account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

i have give time to do so, please remove this account immediately i reported/deputed this XX/XX/2022 XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Closed No Info

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 2022-06-25 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: PA

Complaint narrative:
Comenity bank WAYFAIR has been charging me late fees after late fees even though they have always had my card on file for automatic debit payments. I have called multiple times and have stated the same thing that they have always had my card on file for automatic debits which they where doing and then they stopped and thats when they started charging late fees, a scam to get more money. The Company has been nothing but rude and everytime I call they say I will not get charged but before I know it I have another bill in my mailbox.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-25 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:
I never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name

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 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Good morning, I have requested a copy of a convenience check wrote from bank of the west. It is a balance transfer check. The check was cashed. I need a copy of the check for litigation.. Bank of the west states they can not find a copy of the cancelled check. If he bank can not provide me a copy of the check the charge should be cancelled? 
I need your help to get a copy of the check. the check was cashed XX/XX/2022. bank of the west states they can not help me. 

We are unable to locate check # XXXX for {$1200.00} on your account. 

This can not be true. Can you help me resolve this problem?

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 2022-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX 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

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 2022-06-25 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:
In Accordance with fair credit reporting act XXXX accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 : its 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 2022-06-25 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: OH

Complaint narrative:
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2022-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
I have attempted to set up an account with Binance US. I have submitted all the documents requested, very personal information and photos. This has taken place over several attempts, each time the come back and request information I have already submitted. It seems a never ending cycle and I have asked them if their intention is to actually set up accounts or just collect and hold sensitive personal information. I would not have started the process had I known they were so un organized or lacked attention to detail with my personal information. Now it is out there and I feel un secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation