vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  XXXX  XXXX XXXX Account Number : XXXX Bal : {$140.00} 2. XXXX XXXX Account Number : XXXX Bal : {$270.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : - 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} 5. XXXX XXXX XXXX  XXXX Account Number : XXXX Bal : {$2700.00} 6. XXXX  Account Number : XXXX Bal : {$15000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-02 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-02 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: FL

Complaint narrative:
My name is XXXX XXXX. i am the same person who filed a complaint last XX/XX/2022 with complaint number XXXX. I am filing another one to prove that it is me making a complaint against this credit bureau for not responding to the letters I had sent. I will attach the same letter here and hope they will work on it this time, if not then I guess I will need to take it to the next step and seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.

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 2022-08-02 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: CA

Complaint narrative:
On XX/XX/2022 I received an email from Bank of America that my credit card application had been received. The problem is that I never submitted an application in XXXX. I looked on my XXXX credit report and found that someone had applied for an XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX using my personal information. I immediately contacted Bank of America to let them know, they said they would monitor the situation and recommended that I report the fraud. 

I have reported the fraud to XXXX and now I'm submitting my complaint about it. 

I did get my own Bank of America credit card at the end of XXXX, so there will be another application that was approved in 2022 on 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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: IA

Complaint narrative:
Netspend has been stealing money from my XXXX deposits for the last 4 years and this month XX/XX/XXXX I had XXXX taken from my XXXX payment leaving me with XXXX for the month. I can not pay my rent and utilities because of the money not being there and netspend refuses to refund me anything. I'm in mental distress and don't know what to do, they have been doing this for years and I would like them held accountable and need advice/help and would like this investigated ASAP and would like every XXXX back that they have literally stolen from me. This company needs to be shut down immediately and investigated thoroughly and everyone they have stolen from refunded. I see XXXX lawsuits against them already and they still are being allowed to operate and rip people off. I am legally XXXX and am not able to work the numbers they have taken from my netspend account but it's in the tens of thousands, and XXXXXXXX XXXX being the largest theft of all, out of a XXXX deposit they took XXXX leaving me with XXXX and leaving me in a position to lose my apartment, my utilities being shut off, and netspend not even investigating it to give me the money back that was very much stolen. This is 100 % unexceptable and as far as I'm concerned, and I'm sure alot of other Americans feel Netspend should be shut down permanently or until a full investigation is initiated and netspend needs to pay back every XXXX + a 100 % added fee for every customers hardships that netspend has caused. I want to sue this company for XXXX XXXX dollars for my mental anguish and hardships they have caused me for the last 4 to 5 years

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for the Florida Department of Economic Opportunity Homeowner Assistance Fund on XX/XX/XXXX and was finally approved XX/XX/XXXX. I am currently 4 months behind on my mortgage through TIAA/XXXX. I am XXXX with a child and have been going back and forth with SSA with reinstating my benefits since XX/XX/XXXX. I have been contacting XXXX regarding the HAF Program and inquiring about payment that was issued on my behalf from HAF on XX/XX/XXXX in the amount of {$1300.00} to cover my past due mortgage balance. Unfortunately, I have had no resolution in this matter and it seems like I am getting no answers and I been hung up on and being told to contact the third party HAF with any questions that I may have. I am trying to save my home so my child and I will not become homeless. We have the funding but XXXX is not trying to assist me with it and claim they are not aware of the programs funding. I am calling every other day and Im not getting anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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:
The bureaus are reporting this XXXX XXXX account inaccurately. 

XXXX reports XX/XX/XXXX for the date of last activity while Equifax reports the date as being XX/XX/XXXX and XXXX reports the date as being XX/XX/XXXX. 

Also, XXXX has not legally investigated this account as XX/XX/XXXX is the last reported date. 

XXXX has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

Equifax has clearly illegally re-aged this account. Also, Equifax reports additional positive payment history on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX account # XXXX 30 days late on XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited 6 checks ( worth {$2700.00} ) on a Bank of America ATM on XX/XX/2022. Those checks were sent to me from XXXX XXXX ; they are the refunds of money orders. 

Bank of America abruptly closed my account on XX/XX/2022 without prior notice and refused to give me the balance of those deposited checks.

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 2022-08-02 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, sent an email to their gift dispute email. 

I purchased several XXXX dollars of gift cards from XXXX XXXX in XX/XX/XXXX some were {$25.00} and several {$50.00}. On XX/XX/XXXX I had a couple debit card left over and I tried use a {$50.00} at XXXX and there was only XXXX cent on the card. 

I immediately went to XXXX XXXX and was informed the {$50.00} cards come in already loaded and the {$25.00} they load. 

On XX/XX/XXXX, I received an email back from Dispute Form Entry ( XXXX ) saying " please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. You can expect complete resolution with 45-90 days. The outcome will be communicated to you via email. NO CASE number on the email and it have 90 days. Also, it stated, this mailbox is not monitored. 

I sent an email again last week, the balance is still XXXX cent and no communication received. Also, checked spam {$50.00} dollar may not be a lot to them, but I paid {$50.00} and they stole {$49.00}. 

Please assist me with this complaint. 

Thank you XXXX XXXX XXXX The Card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a XXXX debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to XXXX, XXXX, and XXXX credit reporting agencies trying to collect this debt while the credit bureaus XXXX, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and XXXX score for over 40 months 1200 days. 

It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a XXXX for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, XXXX, name and finances. I attempt several times a year to resolve this issue with Discover Bank, XXXX, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX. Discover, XXXX, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote XXXX, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. 

Discover is intentionally and purposefully still reporting monthly to the 3 credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. 

The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I recently discovered multiple fraudulent, unauthorized charges on my Ally Bank checking account. I disputed all of the charges in question on XX/XX/2022, soon as I discovered them. It's been over XXXX business days since I filed the dispute and Ally Bank has yet to provide provisional credit or provide a written statement. This puts Ally Bank out of compliance with Regulation E. 

I also haven't been able to access my account, Ally says I have to wait unti their investigation is over. I have verified my account, set up a new username and password, and security questions with an Ally agent over the phone. But they keep saying I can't access my account until the investigation is complete.

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 2022-08-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
ALL 3 credit bureaus are reporting my payment history and balance due incorrect on my JP Morgan Chase account. I have requested verification but the incorrect information remains. Please remove negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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