vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2023-04-21 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: IL

Complaint narrative:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NM

Complaint narrative:
A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with TransUnion and XXXX and they did not fixed 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 non-monetary relief
Consumer complaint received 2023-04-21 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:
CREDIT REPORTING AGENCIES XXXX AND EQUIFAX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened an investment with Ally banks with a regular monthly deposit into the account. However, after a few months, Ally bank website ( they do not have a physical branch ) does not give me access to my statements or bank information to the account. 

I have provided a picture of the account not shown below. Note that regardless of the time of the day, this is a permanent message on my account. It has been like this for months. 

I have called the team and they asked me to verify the account. I have answered their automated questions but they said they can't verify it still. So they asked that I send in my social security and driver license, which I did, and they have not done anything. 

Currently, Ally bank continue to withdraw from my checking account and does not offer me options to get my money back or stop the withdraw.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I had got notification that a td beyond checking account was opened in my name on XX/XX/. I never went in or asked anyone to open an account in my name. I was calling the given number to get this issue corrected. Only thing I got was automated voice. Today I decided to go to any Td bank to find out what was going on. First I went to the TD bank in XXXX XXXXXXXX. I ask the service guy about the account and that I did not open one up. I then showed my id and social and asked him could he give me a printout. When I received the printout it had an outdated address. He refered me to one of the managers, I talked to him for awhile. He told me where the account was opened up at. I was told the TD bank on XXXX XXXX in XXXX XXXX. I asked him should I go talk to them. Hw said yes, he gave me the address. I went to the XXXX XXXX branch location calm and collected. Since I walked through the door I was treated like I wasn't welcomed. The young lady ask me what I was there for, I told her I was there because it was fraudulent activity on a account with my name on it that I never physically open up. The young lady had I guess an attitude she said I would have to go to the police station and file a report, which I did. The officer gave me a card with a case number on it. He told me to tell the bank to call him, it would be handled. I drove back to the bank location and handed the young lady the card after waiting for 25 minutes while both bank teller was talking to a customer about football. Notice I am a minority, was or did I feel discrimination existed? Of course but that is besides the point. I asked the lady numerous times could I get a printout of transactions, she gave me the runaround with tons of excuses. I left got home and called the Branch Manager, which got even more awkward. He act like he didn't care. I told him I went to the station. I was trying to see who open these accounts and how could someone come in their branch with my identity, even though I did have my id, and social security card stolen a while back during an home invasion it's all documented and reported. How can someone open an account who does NOT!!! LOOK LIKE ME? I tried to reason with these people but they act like they are hiding something or getting high. I want to know exactly who open the account in my name and I would definitely like to pursue charges. They branch manager lied and said a family member opened up an account in my name. Why would he say that? Why they been didn't say anything. Also if that was the case which it isn't. Why would they let anyone open an account in person without me? Sounds suspicious. He was like the account closed, that's not good enough I want to know who is opening accounts in my name and why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was offered 11.95 % at the the time of application. They generally honored it until recently. Late in XXXX I was bullied by feeling over pressured by a representative by the company asking my permission to increase rates. I politely said " no '' by explanation that I was offered the rate and it was why I applied. She mentioned something about don't I want to increase my limit. I said I haven't applied for it because of the threat of the increase in rates. She asked again. I politely explained " no '' in a certain way. She rebuttaled another thing ... This is upsetting because someone told me she broke the law by continuing to ask but I have a XXXX XXXX and it was not explained to me that I have a choice. My rate should be lower. I still have the same limit. The limit isn't the problem. It is the interest rate. I will now stress myself out to pay it off each month if it gets high when as before I would just be willing to pay it. I don't deserve this. I haven't been charged interest on the new rate but as it stands I don't intend to...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO

Complaint narrative:
Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. 

Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. 

Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. 

Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. 

I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CA

Complaint narrative:
I don't even know what this is for. I haven't lived at this address in over 3 years. I believe this is identify theft. I've contacted this company and informed them of this. They still call, text and harass me every other day.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
discover card was open without my consent of the amount of {$1000.00} need this matter closed and be taken from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SN SERVICING CORPORATION
State: OH

Complaint narrative:
I was a co-signer on a business loan where this former partner filed personal bankruptcy and XXXX XXXX tried to hold me responsible for her loan where at closing they shared they would never hold me personally accountable and only our company. Upon reneging on their word at XXXX XXXX I tried to negotiate a XX/XX/XXXX settlement which was overly generous on my behalf based on their lie, of which they laughed at me. I proceeded them to protect my assets and position which ended with XXXX XXXX getting 100 % of nothing with a fully XXXX bankruptcy XXXX. I was given possession of a residential property for me to close a loan XX/XX/XXXX where we discovered the incompetents at XXXX XXXX had illegally and incompetently re-filed a lien on said property XX/XX/XXXX. My fully XXXX bankruptcy from XX/XX/XXXX had to be reopened to allow the judge in XXXX XXXX, OH to fine XXXX XXXX  and have them remove this illegal rifling. XXXX XXXX Mortgage is who closed my loan XX/XX/XXXX and it was purchased XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not reporting my loan to the three CRA 's because they incorrectly read the legal documents explained above and consider me a new bankruptcy which is obviously inaccurate. Their fear if that they will get fine $ XXXX if they report my loan to the three CRA 's which again they should be more fearful of coyotes and wolves flying and attacking all humans which is obviously too an unfounded inaccurate fear. My counsel XXXX XXXX has been told to me by XXXX Servicing that their counsel XXXX XXXX would contact him to allow the legal experts to clear this simple atter yet he won't speak to my counsel XXXX XXXX. The filings are found in XXXX XXXX, OH under my name and information. I simply want my home loan to be reported to drive my credit scores accordingly. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion responded to consumer 's most recent dispute regarding inaccuracies reporting on consumer report. Transunion must report accurate information according to the Fair Credit Reporting Act. The inquiries, adverse accounts, and fraudulent collections accounts need to be removed immediately. Transunion responded that the information was verified and the FTC Fraud report was not valid. Consumer is now requesting that Transunion provide documentation used to determine inquiries were authorized by the consumer. Transunion has 10 days to provide consumer with the name of individual that verified the information, documentation that was used in the verification process, signed application containing wet signature and please note consumer is NOT ASKING FOR E-Oscar report. Consumer is requesting a copy of the Consumer File, Not Report. Failure to provide the mentioned documentation Transunion must delete the information/accounts immediately. Transunion is liable under the Security Exchange Commission to follow certain rules due to the fact that they are securitizing the data on the credit report. If this credit reporting issue is not resolved in good faith and promptly I will be filing an IRS form XXXX omb to audit consumers account. Transunion commission file # XXXX TRANSUNION INTERMEDIATE HOLDINGS, INC. ( f/k/a TRANSUNION XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX XXXX, TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX ( the Borrower ), the Guarantors, XXXXXXXX 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, as joint lead arrangers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as administrative agent and collateral agent.

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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I borrowed XXXX from this company it was credited to my account XX/XX/2022 and the initial payment was about XXXX per month I asked for an extension in XXXX and they Debited my account twice in 24 hours leaving me with a negative balance of {$400.00} because I had other bills coming you, Now because I am struggling to pay back they are now saying that I owe, XXXX when the original amount was around XXXX with the fees I am a struggling mom of four and I really need them to fix this so I can not have this debt hanging over my head, I filed a complaint with the BBB and I did not get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NM

Complaint narrative:
A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with XXXX and Equifax and they did not fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
they given oout my information without my permission i want them fine and a lawsuit aganist them asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CA

Complaint narrative:
I made my payments on time and paid my car loan XX/XX/2022 and even I have provided proof of tittle and paid off letter. it still in my report as late payment and as charged off

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 2023-04-21 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: NC

Complaint narrative:
After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
I have submitted Identity theft reports to XXXX  and trans union and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress

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