vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX XXXX  sent me an alert stating that a hard credit inquiry on my had been done that day at Bank of America XXXX XXXX XXXX Texas XXXX This was not me. On Monday, XXXX XXXX, I contacted Bank of America. They told me they had run a hard credit inquiry on my name and my Social Security number the day before. I told them this was fraud ; that I had not applied for any credit cards with their bank or any other bank. I do not bank with Bank of America. They told me. they would cancel the application and mark it as fraudulent. 

However, on XXXX XXXX, XXXX, I received an email from Bank of America telling me my credit card was on the way and to activate it when I received it. The email stated they had sent the credit card to a town in Florida. I contacted Bank of America who deaden any knowledge of this email On XXXX XXXX, this credit card from Bank of America appeared on all three of the credit reporting agencies under my name and social security number. The credit reports all showed this account as being opened on the XXXX or XXXX of XXXX and showed it to be open with XXXX balance. 

Someone has stolen my social security number and is actively trying to use it to apply for credit. I have frozen my credit with all three of the credit reporting agencies and have informed them of this fraud.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I took out a student loan from XXXX for XXXX XXXX in order to finance my XXXX XXXX in XXXX XXXX from the XXXX XXXX XXXX XXXX. XXXX then disbursed the entire amount {$12000.00} to the XXXX XXXX XXXXXXXX, which uses a third-party bank, XXXX XXXXXXXX XXXX to disburse the check to me. XXXX XXXXXXXX issued me a check on XX/XX/2022 made out to my maiden name, XXXX XXXX XXXX. See attachment XXXX. I attempted to deposit this check, along with six other checks made out to my maiden name, to my Bank of America Checking Account through Bank of Americas mobile app on XX/XX/2022. See attachment XXXX and XXXX. As you can see from this statement, I had a balance of {$9400.00}, which included the deposited check for {$6300.00} that I intended to use to pay down my student loan. On XX/XX/2022, Bank of America sent me a letter saying that they are closing my account and will return the funds in the checking account to me, but that the decision to close my account would likely affect my credit. See attachment XXXX. On XX/XX/2022, Bank of America then sent me a letter saying that they had closed my account and would only issue me a check for {$3100.00}. They said that they have frozen the remaining funds ( the check for {$6300.00} ) and they would not be returned to me if the check was determined as stolen or fraudulent. See attachment XXXX. From the attachment XXXX you can see that this closure and report of fraud did go on my credit report. I have been unable to open another bank account since it was reported to XXXX XXXX. Bank of America said I had to get the money back from XXXX  XXXX, and XXXX XXXXXXXX needs to initiate a BANK TO BANK Recall for the money. I have been calling XXXX XXXXXXXX XXXX XXXX department to try to get this issue resolved for more than a year. They have told me that they dont have a procedure to do a bank-to-bank recall. They requested a police report and then a sworn affidavit as to what happened. See attachment XXXX Now, after submitting the documents they requested, XXXX XXXX has closed my complaint and told me that I must get the {$6300.00} from Bank of America. See attachment XXXX. I still have not received my {$6300.00} that would enable me to pay down my student loan, even though I have graduated by now.

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 2023-08-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: VA

Complaint narrative:
I've been contacted repeatedly by text and phone since XXXX  by an alleged debt collection agency looking for a XXXX XXXX. I texted and told them I don't know XXXX XXXX and I called and told them not to call me anymore. The last time I answered a call from them, the woman said she was looking for XXXX XXXX. When I said " this is a scam '' she immediately hung up. When I called from another number and asked for their address the man said " I'm not at liberty to give out that information. '' The numbers I've been contact from are ( XXXX ) XXXX, ( XXXX ) XXXX. There may be more, but I didn't save them. I've also received called from ( XXXX ) XXXX allegedly from XXXX, Virginia that said I've been " flagged as invasive and noncompliant. '' The callback number was 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 2023-08-21 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: PA

Complaint narrative:
All three Credit Bureaus XXXX, Equifax, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. Credit Acceptance never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
All three Credit Bureaus XXXX, XXXX, and Experian, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them Payment. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. XXXX XXXX never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.

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 2023-08-21 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does 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 2023-08-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : XXXX XXXX XXXX XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does 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 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
On Thursday XX/XX/2023 I stepped in to the Instaloan branch at XXXX XXXX XXXX, XXXX, FL XXXX. I was asking to switch my loan from one vehicle to another and was told that I would be able to do that. I filled out the paperwork and was advised that I needed to make an interest payment of {$65.00} in order to make the switch but I would get the funds back with the new loan on the new vehicle. After the payment was made and the paperwork was submitted I was then advised that they no longer are able to switch over loans. I requested that my {$65.00} be returned to me, at first I was told they could not return the money. After about an hour of waiting I was advised they would void the transaction and I would have a check cut in 3 business days. It has now been 7 business days and I have not received a follow up call nor has the transaction been voided. I feel this payment was taken under false pretenses and seems like a fraudulent way to do business. Who I believe to be the manager knew that they were no longer able to do these processes and her employee should have been trained on this. I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-21 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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-08-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: OH

Complaint narrative:
Did not authorize on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hold a mortgage on my home with Fifth Third Bank. The bank placed a hazard insurance policy on my home XX/XX/2023. Since XXXX, I have made XXXX request for the bank to send me a " FULL DISCLOSURE '' of the insurance policy. As of today, XXXX 2023, the bank has refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Primary borrower filed bankruptcy in XXXX  for the loan. The company has recently gone through a lawsuit, and they have finally discharged the loan. But they are now saying they can remove the primary 's name off the loan and make me as the co-signer responsible for the loan now. I have researched and I don't see anywhere that this is what they can do. Also, the amount of the loans they are collecting for is not coinciding with the amount they are asking for the loans to payoff these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts AND inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander was paid out by ilending after refinancing my vehicle and have falsely reported my account to the credit beureu. My account is now in collections and they are not taking accountability for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a credit card -Chase XXXX XXXX in my mail today ( XXXX XX/XX/XXXX   ). I did not sign up for this card. I did not authorize this card. I have no banking relationship with Chase at all. I contacted their fraud department. They said they had to call me back on my mobile for some reason but have refused to do so. I need this account closed immediately and removed from my credit history. Any other cards in my name need to be closed at once. This is all fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: OH

Complaint narrative:
XXXX XXXX account number XXXX I have paid this account off with a pay to delete letter. Sent letters to the credit bureaus which still nothing has not been done nor updated. A file is attached to this complaint.

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 2023-08-21 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: OH

Complaint narrative:
XXXX XXXX account number XXXX I have paid this account off with a pay to delete letter. Sent letters to the credit bureaus which still nothing has not been done nor updated. A file is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: NY

Complaint narrative:
Good morning, I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Was involved in identity theft and my checking account with PNC Was compromised and in the time it was comoromised $ XXXX was moved through it and when i noticed this, i immediately call PNC to report this. Upon completion of report i was told theh would reach out if any additional info is needed. They closed my account and put some kind of restriction that prevents me from opening an account with any other financial institute. This is very fraustrating given that i noticed the irregularity reported it and yet i get penalised for it. Ended filling a police report which was approved. Now hoping PNC can remove this so i can open my saving accounts.

Company response to consumer: Closed with explanation