vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
According to the law, any authorization or approval of credit must be obtained directly or indirectly from the issuer of a credit card or similar device. The term " Exclusions '' refers to the process of excluding or being excluded, leaving out any unauthorized credit activity. 

Under the law, the definition of a credit card is broad and encompasses various types of cards or credit devices, including cards, plates, coupon books, or any other device used to obtain money, property, labor, or services on credit. It is important to note that Congress explicitly states " ANY card '' in the definition. 

In my particular situation, the credit card in question is my social security card. This card is utilized to initiate every consumer credit transaction, serving as the primary identification for credit purposes.

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 2023-07-18 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Someone has been using my identity to open multiple accounts using my credit cards, including bank accounts. My wallet was stolen back in 2018 and several accounts were open in my name as a result using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXXInquired on XX/XX/XXXX  ; XXXX Inquired XXXX XX/XX/XXXX  ; XXXX XXXX  XXXX XXXX on XX/XX/XXXX  ; XXXX Inquired on XX/XX/2021 ; XXXX  XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired XXXX XX/XX/XXXX  ; XXXX XXXX XXXX  Inquired on XX/XX/ ; XXXX XXXX Inquired on XX/XX/ ; XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has not been able to provide an Equifax report on me since late year XXXX. Have called and spoke to numerous customer service representatives CSRs at Equifax to resolve their problem. I have sent multiple times via trackable mail copies of my Florida Driver License and Social Security Card along with recent bill showing address same as Driver License. Mailing these items to Equifax seems to not do anything on their end expect prompt their customer service representatives CSRsto tell me that they are not sure why identification verification is needed. The CSRs then proceed to tell me that I don't have a file with Equifax or that my file has been split and they are not able to rectify. At this time I am in the process of obtaining a mortgage and the companies require all three credit bureaus to supply their reports and scores. Equifax has yet to provide a solution to their problem. I have had in the past an Equifax report since at least XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I noticed fraudulent charges on my account 7 months ago. I immediately called and notified the credit card company and canceled my card. Despite this, additional fraudulent charges appeared a few days later. I again contacted the credit card company and completely closed my account. Despite this, Citi issued another card in my name, which then incurred interest, fees, and late payments. I have called monthly to dispute these charges and each time I am told the account will be updated and return to XXXX XXXX Now, I am contacted twice daily by the collections team and have incurred negative credit raitings.

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 2023-07-18 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized hard inquiries listed on my TransUnion credit report. Despite my previous attempts to resolve this matter directly with TransUnion, they have failed to take appropriate action and remove the unauthorized inquiries from my credit report. 

I discovered multiple inquiries on my TransUnion credit report that I did not authorize or have any knowledge of. These unauthorized inquiries have adversely affected my credit profile and have the potential to harm my creditworthiness. 

Inquiry details XXXX 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 XXXXXX/XX/XXXX I have made repeated efforts to contact TransUnion, providing them with clear documentation and explanations of the unauthorized inquiries. However, despite their promises to investigate the matter, they have not taken the necessary steps to remove the inaccuracies from my credit report.

As a consumer, I believe this situation violates my rights under the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) of the FCRA stipulates that credit reporting agencies must investigate consumer disputes and remove inaccurate or unauthorized information from credit reports. Furthermore, Section 1681s-2 ( b ) of the FCRA requires credit reporting agencies to promptly correct or delete any inaccurate or unverifiable information.

I kindly request your assistance in resolving this matter and ensuring that TransUnion complies with the relevant consumer protection laws.

I look forward to your prompt attention to this matter and request written confirmation once the unauthorized inquiries have been successfully removed from my TransUnion credit report.

Thank you for your time and assistance in resolving this issue.

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 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have kept a balance of about {$6000.00} in my savings account for the last XXXX years. I transfer funds back and forth to and from my checking account, for purchases and saving as needed. Lately, I've been noticing extra charges being taken from my account disguised as " over draft fees ''. 

How can " excess '' over draft fees be charged for a checking account, from a savings account with an large amount, that can just be transferred from the savings account for the amount of the sale? I understand taking exactly the amount of sale if necessary, but to add an additional {$25.00} each time is absurd! The money is there, it's just in the second account. Most times, I try to transfer funds, but I'm not always able to do so. 

Can you please investigate this issue and offer a financial solution? I do not think it's good business acumen to cypher money from customers and would like it to stop! I would also appreciate a refund for money taken from my account. 

Thank you, 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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have tried contacting this company multiple times to let them know that I was a victim of identity theft. I am a woman and apparently a man with my social rented a apartment with my social somewhere in the XXXX XXXX XXXX area. I even tried contacting the apartments personally to let them know that I was the victim of identity theft. I have provided proof that I was a victim of identity theft. And they still refuse to take this off my credit. I have provided my driver 's license with my address that I have lived at for over 7 years and clearly showing that I am a woman and not a man.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received another message that I have applied for Chase Credit Card in which I did not I have initiated a complaint previously. Now I have received another notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: IN

Complaint narrative:
I want to pay ahead on my mortgage to create a financial cushion for my family. I have tried many times to pay online with Mutual of Omaha. They only provide options that include a split of your principal and interest, something no one can know when they pay, it changes monthly! There is no way for someone to pay ahead, online. They only allow me to pay ahead if I call the company and pay a {$12.00}, per payment, fee. I can also mail in a check but that can take a long time to clear, and it could default in my account. I need to find a way to make a payment ahead that doesn't penalize me for paying ahead. I have also spent many hours on customer service trying to find a resolution and they refuse to offer any answers. The inability for me to pay my mortgage up front has now almost eliminated our financial cushion, and put our future in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 have no affiliation with these creditors and I did not make this inquiry.

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 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Debt has been disputed multiple times. Harassment continues yet requested documents have not been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
Debt collector called this morning on behalf of XXXX XXXX XXXX( XXXX? didn't know how to spell her own name, first spelled it with an XXXX then a XXXX I had to ask her to spell it multiple times, she didn't even want to give the name. I think she changed the last name too. I'd want to check the recording. ) given spelling was " XXXX XXXX '', No debt collector license number, said she holds no license. called at XXXX to harass me in violation of cease and desist and the ongoing fraud case and bankruptcy. hung up on first call since I was very rude since she called me while I was writing a complaint about XXXX and was in no mood to be harassed, I called back. she denied things that she has no basis to deny. ( no one owes you money. no one broke into your home ; she would have no way of knowing, and yes they did. police report and contracts show they did ) lied about things etcetera. Very very inappropriate and irritating call. I asked to speak to a manager, waited for 20 minutes, no manager available, will call back at XXXX pacific. ( XXXX now ) as the manager is in a " meeting '' but was told to call back at XXXX eastern. cease and desist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding accounts that do not belong to me and they are still reporting on my credit report. I also submitted multiple ftc reports regarding the accounts that do not belongs to me. These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2023-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mom returned a shoe on Amazon and she didnt get refunded after week so she decided to contact Amazon and spoke to a guy called XXXXXXXX XXXX. He told her to contact the last person she did a XXXX  transaction with which was me, so he called after she told me he was gon na call and he started instructing me. He told me to put my phone on screen recording so he can see whats going on, he told me to transfer my money from both savings account and checking account to her XXXX XXXX so he can increase her limit, on my side it was saying failed so told me to do it through XXXX and apparently it went through but it didnt send to her, it went straight to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-18 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: IL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Bureau is going against my consumer rights according to FCRA. 
I sent multiple letters indicating this matter and they keep ignoring them aswell called.I just spoke with a representative name XXXX in the fraud department special services and then spoke with a supervisor is charge named XXXX and she HUNG UP IN MY FACE! The date of call was XX/XX/23 at XXXX then spoke with supervisor by the name XXXX XXXX XXXX. Not to mention I recorded the recording ALSO! 

Credit Bureau is violating : US CODE 1681a 2 ). ( i ) US CODE 1666b ( a ) US CODE 1681e ( b ) According to website : www.Experian.com. In the article, Does your Income Appear on your Credit Reports? Under what is included in your credit report, it states Personal Information, Accounts, Inquires, and Public records. Following the article nowhere does it state income being a part of your consumer report. If income is not a part of your consumer report and a charge-off is being reported on your consumer report then it is not reported accurately. 

Also Violating procedures under IRS form 1099A and 1099C.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was have account in PNC bank and the bank close. My account was no reason and I was buy all my bill from this account and I got charged fee for all my bill because I am late for payment and all of this because the bank close my account and the bank doesnt see any reason for this situation.

Company response to consumer: Closed with explanation