vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. 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 .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...

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 2021-06-08 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: EdFinancial Services
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: PA

Complaint narrative:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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:
Dear XXXX XXXX XXXX ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXX DUAL CARDClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XXXX XX/XX/XXXX PLCCClosed Closed on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, I received communication at my location information from BRIDGECRESTXXXX XXXX XXXX, an unknown third-party debt collector, that had a name that is not legally mines however had my property listed in the communication. The communication had language was obscene and threatening to me. Language threatening to steal my automobile if I did not pay them. These threats and demands caused me immediate XXXX and concern as I have no contract with BRIDGECREST/XXXX XXXX XXXX, nor have I had any communication with BRIDGECREST/XXXX XXXX XXXX to give them consent to have my nonpublic personal information. BRIDGECREST/XXXX XXXX XXXX has used my nonpublic personal information to commit identity theft to create a debt in a name that is not legally mines. BRIDGECREST/XXXX  XXXX XXXX has committed fraud in an attempt to collect on an alleged debt for which I do not owe. These actions have caused me to be anxious and distraught. BRIDGECREST/XXXXXXXX  XXXX XXXX has illegally furnished this fraudulent account to my consumer reports. This inaccurate information is weighing against my credit standing, credit worthiness, credit capacity, character and reputation. These willful intentional acts are criminal in its means. I have filed a police report with my local police department, XXXX XXXX XXXX Department Report # XXXX and with the Federal Trade Commission Report # XXXX. BRIDGECREST/XXXX  XXXX XXXX has violated several federally protected consumer credit protection laws under title 15 chapter 41 and several federally protected crimes and procedures laws under title 18. On XX/XX/XXXX I mailed BRIDGECREST/XXXX XXXX XXXX an affidavit of truth with exhibits verified under the penalty of perjury, a cease and desist demanding all communication to cease, a debt validation letter pursuant to 15 USC 1692g and an invoice for all damages and actual damages they have caused. I also included a copy of my police report filed with my local law enforcement agency and a copy of the identity theft report I filed with the FTC. I have attached a copies of all the documents that was sent along with a copy of the mail receipt.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In 2019, I applied for a Macy 's credit card as I was looking to purchase an engagement ring. As the credit granted was for XXXX dollars, I didnt use it as it wasnt enough for such a purpose. Moreover, I never receive the physical credit card neither notified the account number of such credit thus I never used it. Several months after, I checked my credit score and realized that my Macy 's credit card was closed because I had missed several payments. Such action has deeply affected my credit score therefore I have not been able to access other financial instruments. 

The first time I called to solve this issue I was told that the purchase was for some shoe brand that I have never heard of before and that it was going to be investigated and that I didnt need to do anything further. As a company with a good reputation I trusted the process, however, months later when once again I checked my credit score, I found that the issue was still unsolved. Once again I called and now, I was told that to solve the issue I needed to have the physical account statements of such credit card to open the investigation, but as I told before I have never received anything regarding such credit card. The customer service representative checked my address and realized that the address didnt have the unit number thus she helped me to correct it and ensured me that I was going to receive them from 7-10 business days, however after 2 months I didnt receive such statements. Tired of not being able to improve my credit score because of this issue, I called the customer service number and they told me that once again, the representative didnt correct my address and, that was the reason I still didnt receive the statements. However, she told me that in the meantime I could send this letter to this department explaining my particular situation. 

I appreciate you can help me to solve this issue, as I have stated before I have never used this credit card and it frightens me how easily malicious people can use my personal data and affect my credit score directly. Moreover, it astonishes me how can it be possible that another person had access to such a credit card if even I have never seen physically such a credit card. Also, it chokes me how tedious has been the process to solve this issue and concerns me how customer service representatives can tell one thing and then on another phone call say another. It has been more than a year since the first time I called to solve the situation and still I dont see clearly when I am going to be able to clean and improve my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: IL

Complaint narrative:
these bureaus are falsely reporting alleged debt which is a 15 usc 1681a ( 2 ) ( B ) violation. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. 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 .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My complaint should not have been closed and I am asking that it be reopened since Capital One Banks response is not acceptable. There was no fraud on my Credit Card account, I closed my account due to not wanting to deal with Capital Ones customer service in XXXX or the XXXX. It is not my responsibility to provide my drivers license to this bank to get my money from them. This is clearly a case of fraud being perpetuated by Capital one Bank. 



I had a Capital One Bank Credit Card which I closed out in XXXX of 2021. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: 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 2021-06-08 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: MD

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being take advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It have been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Creditor : Target Red Card Issue : Fraudulent activity on account ( I've been on autopay since XXXX because I enrolled in their debt relief program which automatically enrolled me in a payment play to pay {$64.00} a month for 9.99 % APR until I paid off the credit card ). According to Target, there was an unauthorized approval from their end to cancel my debt-payment plan, I asked for a copy of my updated service agreement, and they refused, they reported inaccurate information regarding a late payment I was never alerted about to all three credit bureaus, they were unwilling to work with me and transferred my call to multiple departments with no help, I had a copy of the original credit card agreement in front of me, and they straight up lied about what their policy is, my total credit line amount decreased from $ XXXX to $ XXXX, my APR % spiked, and my monthly pay almost tripled than what I could afford. 

In week of XX/XX/XXXX : Called Target, and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: AZ

Complaint narrative:
I sent in my FTC report because someone was applying using my personal information for their personal gain. I had unauthorized inquiries show up out of nowhere. I spoke to XXXX from the Transunion fraud department and he confirmed that he would mark the inquiries as fraudulent and said they would be off my report within 48 hours. It is Monday XXXX. I spoke to XXXX last Thursday XXXX and these fraudulent inquiries are still on my report. 

The confirmation number from my call is XXXX. 

If this continues to be ignored, I will file 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 explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
They are attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: DE

Complaint narrative:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report.

-- -- -TRANSUNION -- -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Regions bank personal checking account. After opening account for so many days also I can not : 1. Login to online banking 2. NO ATM/Debit card PIN Calling regions customer service toll free # is around 45+ minutes wait and no success even after that. 
I have no idea why Regions make it so difficult for the customers to do something like this. 
Talked to Regions bank on XXXX XX/XX/2021. No success. They sent an email to reset the ID etc ... but nothing works.

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 2021-06-08 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: PA

Complaint narrative:
Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -TRANSUNION XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr Cooper continues to not answer my questions and have multiple supervisors not call back. But they never forget to send threatening letters, even 24 hours after I have an hour+ long conversation with one of the supervisors. I got a hand delivered letter to my house. I immediately called the representative named XXXX at XXXX. I never received a call back. I called again with no response. 

Every time I talk to someone, they tell me different information. Previous CFPB complaints contain factual errors and mis-statements about the issues. I can't get one person to answer my call or return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 XXXX, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

XXXX  - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account 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