vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.

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 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Regional Management Corporation
State: PA

Complaint narrative:
I had a 2017 XXXX XXXX that was stolen from my house crashed and totaled the roof had to be cut off to get the person out of the car the car was completely totaled my insurance company XXXX XXXX who I had full coverage with at the time refused to cover the car because they said that the person had access to the keys I reported the car stolen I even sent the person to jail the person is still in jail for stealing the car but yet they would not cover the car after that the car went into being supposedly repossessed even though the car was no longer able to be a car because it was completely destroyed but because I didnt pay on it after that because why would I pay on the car that I no longer have my insurance company wouldnt cover The car it went in on my credit is a repossession Ive sent the person to jail I reported it stolen I do not believe they should be on my credit at all when I made every single payment up until that happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: FL

Complaint narrative:
I called them 3 other times informed them do not call me or my partner proved names and address and advise do not send any of us any letting about requesting available funds from JFQ lending it's harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I called all of my credit card companies including this one, to let them know of a financial hardship that myself and my XXXX son are going through as a result of the XXXX pandemic and directly related to positive results that we had earlier in the year which lead to loss of income I asked about credit protection program or for parents programs that they offered due to Covid pandemic and that was told that they have no options to offer me for our situation when Im a XXXX XXXX that has been unemployed as a result of XXXX starting from XX/XX/2021. Other credit card companies were at least one offer off the credit program that they didnt. All of my creditors including my credit card companies were notified of my hardship and financial situation even before my job loss that occurred on XX/XX/XXXX and also after. There should be no missed payment reported on my credit report after XX/XX/2021 From any creditor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was totally XXXX on XX/XX/13 ( XX/XX/13 was short sale ) and XXXX on XX/XX/13. 
On XX/XX/13 I was trying to stop the short sale.

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 2021-07-27 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. 

I recently learned that my personal information was used to open an account at Discover. I did not open or authorize this account. 

After contacting Discover, I realized that the thief used an incorrect address and date of birth when this account was opened. The DOB Discover has on file is XX/XX/XXXX when in fact my correct DOB is XX/XX/XXXX ( as evidenced on my driver 's license ). This is a clear indication of the identity theft. 

I filed an identity theft report with the XXXX Police Department and contacted Discover as well as the 3 credit bureaus, XXXX XXXX and XXXX on or about XX/XX/XXXX, requesting that they take all appropriate steps to remove information about this account from my credit files. As of today, more than 30 days later, this account still appears on my credit files. 

Discover failed to act promptly to remove and block the inaccurate information from appearing on my credit file. This affects my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/XXXX. I sent in a request with Certified mail to Equifax ( as per USPS tracking, it was delivered on XX/XX/XXXX ) requesting that XXXX  block the fraudulent information within 4 business days according to FCRA 605B. I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/XXXX, Equifax failed to block the information from appearing on my credit file. 

The following account is a fraudulent account : - XXXX XXXX XXXX XXXX ( established in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. An account was established in my name, fraudulently, with Toyota Financial. 

I have filed a police report with XXXX Police Department reporting this crime. 

I have notified the company multiple times about this, but as of today, they failed to conduct a thorough investigation and are still reporting this fraudulent account on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc.
State: OH

Complaint narrative:
Good evening, I am writing this agency concerning an ongoing matter with a collection agency which has refused all communication on my behalf, seeking to verify and validate debts reported which are unknown and not mine. The company handling this information is Team Recovery, debt buyers. Their are numerous accounts being reported and because the company has not deigned to even respond to my disputes, has not once provided the documents requested from the original source, has not even bothered to provide any transparency, I am writing this agency to provide the oversight that is sorely needed here. 

In desperation to have these issues resolved I have even gone so far as to pay debts which I know are not mine to have them removed from my consumer files but it is disheartening and I did so before I knew of your agency. It is beyond unfair to not only be presented with collections I know are false but also to be made to pay them as a sort of blackmail in order to have my credit report be my own. 

Here i am asking for mediation and intervention on this agencies behalf, so that this can be resolved. I have been ill treated and given the run around, I am certain this agency will not be treated in the same shameful and shabby manner. Therefore I ask for assistance to resolve this matter and put an end to the fraudulent collection attempts by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Well what happened is during a hardship that all my creditors were notified of the former job loss on XX/XX/XXXX of XXXX and then again after that job loss that was due directly to positive XXXX test that my son and I hand and also medical concerns and while trying to work with my mortgage company to modify my home loan with the energy efficient refinance plan as I have requested for permission back in XXXX of this year from my home loan service provider to rent out my property instead of selling my home as we are moving and that rental income is needed due to this hardship I had went to Home Depot to get some paint and things to get my home ready to move into for a renter and upon purchase was told that my card did not work so I called the credit card company as I have a credit card with Home Depot which I have only used and then immediately repaid each and every time and have never left a balance on in the entire time that Ive had it and I was told by the company that they took it upon themselves to cancel my account.

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 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After formal letters and calls to the three credit reporting agencies of XXXX XXXX and Transunion they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

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 2021-07-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After formal letters and calls to the three credit reporting agencies of Experian, XXXX and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

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 2021-07-27 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
It seems like I'm being given the run around when trying to get my money back after being a victim of identity theft. The bank has not credited my full balance and they have closed the case. I called Friday and was told that a new claim had been started for the misunderstanding. When I checked today no claim had been started. I will like to take further legal steps of necessary.

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 2021-07-27 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: OH

Complaint narrative:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2021-07-27 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:
unauthorized use of my credit report

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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an individualized email solicitation from SanTrust Bank offering {$200.00} Bonus for opening a SunTrust business checking account conditioned on making {$1500.00} or more in cumulative qualifying deposits within 30 days. I accepted SunTrust 's offer and opened SunTrust business checking account ending in XXXX on XX/XX/21 and made a required opening deposit. Imagine my astonishment and disappointment to find that SanTrust has decided to close my account on XX/XX/21 after accepting my opening deposit. SanTrust has informed me that my account has a XXXX  balance for 60 consecutive days. At all pertinent times, my account have a balance exceeding required balance of {$1500.00}. I contacted the bank and received another letter informing that SunTrust bank is unable to verify company registration with the Secretary of States Office. I am an XXXX and I do not require registration with the Secretary of States Office to XXXX XXXX and XXXX XXXX in my state. 
Acceptance of bank 's offer on XX/XX/21 represents a unilateral contract for breach of which law provides a remedy. I completed all the requirements necessary to qualify for the opening bonus but I was unable to receive the {$200.00} bonus because SunTrust breached the contract by terminating my account without lawful justification or excuse. The SunTrust 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. I would not have opened account with SanTrust Bank and kept over {$1500.00} interest free, but not for SunTrust 's promise to pay me {$200.00} opening bonus.

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