vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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:
Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have 3 fraud apartments on my report. ( XXXX XXXX ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX LXXXX ) Acct # XXXX I have 2 Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX ) Acct # XXXX I have 6 Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20 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:
Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX  XXXX  XXXX  XXXX XXXX ) Acct # XXXX ( 09 XXXX  ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( 11 XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am unable to submit a dispute on my Transunion credit report.On XXXX, and XX/XX/19, I attempted to submit a dispute on my Transunion credit report on the Transunion website and I have been unable to submit a dispute. Each time I try to submit a dispute, the dispute feature takes me to a broken link or I do not see an option to submit a dispute. It is very difficult to submit a dispute on Transunion website

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 2022-02-20 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: MD

Complaint narrative:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc.
State: AL

Complaint narrative:
Total Card issued by XXXX Bank I closed the account XXXX week ago XXXX balance confirmed with XXXX XXXX Account remained open and subsequently charged a monthly service fee Still have not closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: AES/PHEAA
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: GA

Complaint narrative:
Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this

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 2022-02-20 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:
Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-20 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: MI

Complaint narrative:
I file a dispute with the credit report agency about how information bankruptcy was verified because my XXXX XXXX has a freeze on it and the court did not verify the information. It is still showing and they said it was verified and it was not. Per fair credit act must be remove. I sent the a letter and they said they do not report to credit agency. Should be remove on all XXXX reports plus my credit has a data security incident also. XXXX XXXX was cancellation of debt. See letter and they also said it was verified and it was not. 
See XXXX freeze

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 2022-02-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 


On XX/XX/2022 I requested that Fifth Third Bank National Association present me with all statements in connection with the referenced account as I am disputing their claimed debt. I instructed them to cease any false, deceptive or misleading representation pursuant to 15 U.S. code 1692e and to cease collection of and the reporting of the referenced account while efforts were being made to reconcile the dispute. 

Not only has Fifth Third Bank National Association continued to call and text me everyday with deceptive and misleading language, they also ignored my request to reconcile this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Fifth Third Bank National Association has violated my right to privacy per federal consumer financial law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CT

Complaint narrative:
I requested credit reports and it showed a delinquent payment to Edfinancial when we all have Been given an extension until XX/XX/2022 to begin repayment. This is in correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX. Bank of America closed my checking account. I called and went to the bank only to be informed that BoA have the right to close my account whenever they decide. I asked for the reason why and they told me that it is within their rights not to give me any reason. Further more I was informed that I have been barred from ever holding an account with BOA. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account which I subsequently deposited in my XXXXXXXX XXXX account on XXXX. XXXX XXXX rejected the check of XXXX and stated it was altered and further closed my account when I called to ask about what was wrong with the check on XXXX. 

XXXXXXXX XXXX are also refusing to give me any reason for their decision and also telling me they will send me a check for my balance after XXXXdays. I am just migrating from the XXXX to XXXX and do not have any other source of income apart from my savings which these XXXX banks are essentially denying me access to. They have both even cancelled payments I made for my credit from XXXX bank ( furniture I bought from XXXX XXXX XXXX ), I do not have any other money to even pay my rent or buy food to eat.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I requested credit reports and it showed a delinquent payment to XXXX when we all have Been given an extension until XX/XX/2022 to begin repayment. This is in correct.

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 2022-02-20 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank is doing fraud with me, they have nothing else to do, I filed a dispute of {$33.00} which was done with the merchant " XXXX XXXX XXXX XXXX XXXX XXXX '', first discover gave me a credit and later after many days sent me an email stating they are reapplying the credit as they need to do further investigation. ( please see attached files, it seems discover ultimately charged me the money ) They first gave me a credit and then doing a debit now and if the investigation will be found in my favor will again give me a credit, why they have to go through all this when they can just give me a final credit after all the investigation is complete. 

this whole process is just to make the customer confused and do fraud with the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX  from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-02-20 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, four fraudulent purchases were made using my Barclays JetBlue Credit Card. Those charges were a XXXX charge for {$400.00}, an XXXX XXXX charge for {$1900.00}, an XXXX/bill charge of {$6.00}, and a XXXX XXXX charge of {$9500.00}. All three purchases were made in XXXX, SC. I reside in XXXX XXXX, NY, and I was in XXXX XXXX, NY on XX/XX/XXXX. 

On the morning of XXXX, XXXX, XXXX, when I woke up, I saw that I had an alert via the Barclays app saying that there may be fraud on my account and also that the pin on my account had been changed. I called Barclays that day and let them know that this was indeed fraud, and that I hadn't changed my account pin. They cancelled the card, issued a new one, and let me know that they would be investigating the charges. After about ten days, I noticed that some of the fraudulent charges were still showing on my list of recent activity, so I called again, re-reported the fraud, and asked that the account be closed altogether, because I didn't have faith in their process. 

A few weeks later, I received a letter from Barclays dated XX/XX/XXXX which stated that they found the three largest charges ( totaling {$11000.00} ) to be valid and thus were adding them back to my bill. I called Barclays on XX/XX/XXXX to protest the decision, and they stated that a physical card was used for the charges and that I should submit via fax a police report and proof from my place of work that I was in New York on that date. I completed that task and submitted a letter from my place of work stating that I was on-site in XXXX XXXX XXXX  NY on the day of the charges, a police report logging the crime, an identity theft report that I submitted to the FTC, and two credit card statements showing that I had made charges on two other non-Barclays cards in New York XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called Barclays again to verify that my packet of documents had been received. They confirmed that they had been, and let me know that the claim was still denied despite my evidence that I could not have made charges in XXXX, SC on the date of the fraud. As a result, I am now reporting Barclays to the Consumer Financial Protection Bureau, because I have tried everything reasonable that I could. I do not believe the bank is acting in good faith with regard to these fraudulent charges, and I believe that they are guilty of negligence for letting these charges go through. I barely use the card in question, and it is irresponsible to approve such unusual, repeated high value spend.

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