vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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:
I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over ten ( 10 ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE SER XXXX XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX  ( XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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:
I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over XXXX ( XXXX ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX XXXX XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: NY

Complaint narrative:
I have a XXXX XXXX  on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off 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 non-monetary relief
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Purchased a used vehicle from XXXX of XXXX XXXX in XX/XX/2021. Did everything online and via phone to secure the deal. Was an all cash deal. Asked for the total to purchase cashiers check to buy vehicle and proceeded to buy the check for the amount. Was picked up by salesperson and driven to bank without having set foot in dealership. Arrive at dealership with check and informed that I have to pay more. I was manipulated into paying XXXX dollars more from my debit card or else I could not take the car. I was also told that if I wanted to purchase cooling off insurance, I would have to pay up front the deductible as well as the premium and Also a XXXX dollar restocking feebefore I even were to use the policy and which was non refundable.. I had wanted the policy but that added extra exorbitant cost prevented me from doing sowhich is a shame as the car was bad from the start and I would have availed myself of it the dealership has stalled and ignore me and caused me undue stress and hardship. 

Thats not even my signature on the contract cancellation option agreementI refused to sign so she forged it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX XXXX I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX  Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: NC

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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

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 2022-10-15 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-15 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank sent my new Citi Priority Debit Card ( CPDC ) to a non-address in XXXX by omitting the last digit of my house number in my mailing address. And my mailman did not ask if anyone in my row of townhomes was expecting an evelope from the US. 

As a result, my new CPDC was returned to the sender and subsequently destroyed. 

My mailing address had been entered incorrectly or changed in my account without my permission, as the email sent by Citibank informing me of the imminent arrival of my new CPDC was full of abbreviations, a shortcut that was not my doing as my communication with Citibank service representatives on XXXX shows. 

Moreover, the change mailing address feature in my online account has been disabled for some time. 

In order to have another CPDC sent to me, Citibank required that we go on the phone. 

We did just that and Citibank proceeded to have me fail their personal question test, because the service representative asked me for an " alias '' which I might had used when opening this joint account instead of for the name of the co-holder, who is my father. 

The confusion threw me off, and I told the representative I had heard what sounded like the mentioning of my father 's name at the end. When pressed for an answer to a possible " alias '' used, I could only say " none of the above ''. 

I was told that I had failed the personal question test. One strike against me, and I was out. 

I would like to add that several of the multiple choices provided for the " alias '' I was asked to choose from, were poorly pronounced XXXXsounding names. 

I ask Citibank : Where is that training for cultural literacy and an end to racism? I expect a well-known American multinational financial services provider to be more professional. 

PS : I have attached XXXX ( XXXX ) screenshots of evidentiary materials to support my case. Attachments # XXXX show our communication on XXXX and an email from Citibank ; XXXX # XXXX shows my expired CPDC.

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 2022-10-15 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: NY

Complaint narrative:
I have a XXXX XXXX  on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off 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 2022-10-15 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: NY

Complaint narrative:
I have a XXXX XXXX on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account

Company response to consumer: Closed with explanation