vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank provided a letter dated XX/XX/2021 informing me that all checking and savings accounts that my spouse and I have held for over a decade were being unilaterally terminated by XX/XX/XXXX. No reason was provided. The closure timing was inconvenient as I was expecting some late IRS tax refunds to be deposited into that account. I also have funds tied up in a XXXX brokerage account that can not allow you to withdrawal more than a small sum of money to a new bank account ( since USAA closed my account ). This is denying me liquidity to pay my holiday and year-end expenses, About {$18000.00} is be tied up due to these related issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase {$280.00} with XXXX XXXX ( XXXX and XXXXXXXX XXXX ) on XX/XX/XXXX. Since I didn't receive the t -shirt I purchased, I filed a claim with Citi and received the conditional credit for dispute from Citi on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi told me that they tried to contact the merchant to resolve the issues with but failed. So Citi reverse-charged the credit {$280.00} on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi asked me to settle this dispute by issuing a permanent {$80.00} credit on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi mentioned that I could continue working with the merchant to get my full amount of money back but Citi would not involve in the future discussion any more. I agreed with the settlement with Citi and accepted the {$80.00} credit. I continued working with the merchant and the merchant finally issued a full refund of {$280.00} on XX/XX/XXXX. Since my original purchase was made via XXXX, the refund was issued through XXXX ( see XXXX transaction details ). The refund was shown as " XXXX *END. '' on my Citi statement on XX/XX/XXXX ( see Bank XXXX XXXX statement ). However Citi reverse- charged me again on XX/XX/XXXX ( see Bank XXXX XXXX statement ). I contacted Citi to understand why Citi reverse-charged me again since then. Citi insisted that Citi issued the refund on XX/XX/XXXX and they decided to reverse charge the money. But from the XXXX transition details and my Citi bank XX/XX/XXXX statement, it is clear that the refund was issued by the merchant rather than Citi.

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 2021-12-30 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I continue to have problems lifting/temporarily removing a security freeze on my TransUnion report. The representative continue to tell me that my case-must be handled by their special case department. They can never give me a reason on why my account is being handled by this department. I truly believe in protecting ones information, but this is ridiculous. Im continuously getting the run-around from different departments and the language barriers doesnt help. I have no issues with lifting/removing from XXXX or XXXX. It should not take weeks to have a security freeze lifted, when its an online transaction.

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 2021-12-30 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: CA

Complaint narrative:
Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
UNAUTHORIZED INQUIRES WITHOUT MY KNOWLEDGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2021 I opened up a checking and savings account and On XX/XX/2021 I put XXXX dollars into the savings account but it all of a sudden disappeared out of my savings accoun5 and then i was locked out of my account and was told to bring my social security number back into the office in order to get the lock off of my account. Today is XXXX XXXX XXXX and they still dont know where my money went. I received a text saying my money was in the account but then two ours later it said the money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CA

Complaint narrative:
Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.

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 2021-12-30 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
On XXXX XXXX I pulled my credit report. While reviewing the report, I noticed that there are 4 collections on my Equifax report that do not have a credit name/original credit or account name. There is only a balance for these accounts. I am requesting this be removed from my credit report immediately as it does not belong to me, there is no identifying information and its a violation of my consumer rights. Please see evidence provided from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OH

Complaint narrative:
XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) AccountXXXX 15 USC 1292J XX/XX/XXXX {$210.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) 15 USC 1292J XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) 15 USC 1292J To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes.

Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!

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 2021-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.

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 2021-12-30 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have tried for a period of one year to have the loan modified due to falling behind during covid. They have asked for documents, and I have always provided what they ask for they send a letter saying they have everything needed and process the modification, then 2 days later I receive another notice stating they need something else. This latest request is that I provide proof of receiving XXXX  related emergency food stamps. i have provided an account printout showing the deposits, which has been denied. they want a letter stating this extra amount was awarded to me. there is no such letter to send. i have sent a letter documenting my regular amount. but have no way to prove the extra being given. meanwhile my house is due to be foreclosed on in two weeks and nothing i send is acceptable, so the modification is unable to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
A individual contacted me and pretended to build a relationship with me for a whole year. He gave me a sob story telling me that his mom had passed away he went to XXXX he was stuck over in XXXX if I would help him to open up an account to provide his checks to go through so that he can get back. Come to find out that the checks were fraudulent after the fact that they wanted a refund of the {$4200.00}.

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 2021-12-30 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: NC

Complaint narrative:
My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete 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 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
I've had a representative contact IQ international data multiple times to try and get a validation letter sent and attempt to resolve the issue. This company verbally agreed to honor a pay for delete agreement. Letters are now being returned in an attempt to get this agreement in writing. Any time they are called now, they continue to transfer the call until voicemail is received and calls are never returned. This remains on my credit report for another 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
the company that charge the debt off was supposed to send 1099c in the mail for purpose of tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2021-12-30 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: MI

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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