vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
Ive called into all XXXX major credit Bureaus ( Transunion, XXXX, and XXXX ) for the last few years ( on and off, every XXXX months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXXXXXX XXXX ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXXT XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses XXXX actions. So, please ... 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 explanation
Consumer complaint received 2021-05-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2021, I sent Equifax a detailed letter via XXXX Certified Mail with tracking requesting my credit report. They have not responded despite proof of receipt and sufficient time to process the request. I have attempted to call them multiple times and they will not transfer me to a live representative ; only loop through several prompts and then disconnect the call. 

I have submitted a complaint with Equifax on XX/XX/2021 and their response indicated that someone else 's information is on my credit report and therefore will not respond. 

I am a documented victim of XXXX XXXX  and Equifax 's refusal to send me my credit report and their response is further proof that my credit report is in jeopardy of additional XXXX XXXX and XXXX. 

Proof of my XXXX has been attached, including XXXX XXXX, XXXX XXXX XXXX, and a recent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: WI

Complaint narrative:
I have tried disputing these accounts with Equifax, stating these accounts don't belong to me. Equifax has never verified any information, their response is always this account has been verified. 

XXXX  # XXXX {$170.00} XXXX # XXXX {$74.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: OH

Complaint narrative:
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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing this due to non-complaince with the CRA XXXX XXXX XXXX XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and 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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a bank statement in the mail on XX/XX/2021 from TD Bank for statement period of XX/XX/2021 to XX/XX/2021. The statement had information about how their overdraft fees work and an account summary of the checking account. I immediately called TD and reported this as a fraudulent account. The representative from TD 's XXXX department closed this XXXX account and the subsequent XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I like to close my Barclays XXXX account. The bank refusing to close my account. This is related to my previous complaint on how the bank put restrictions on my account and locked me out - XXXX They are pretty much harassing their customers with extreme policies and enforcement.

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 2021-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by Covid 19 my husband lost his job and he has just recovered from XXXX XXXX  prior to that and the kids had to stay home and I have XXXX  children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of COVID-19 and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX XXXX XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And I have an credit card account with XXXX XXXX XXXX XXXXXXXX na its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the PO Box .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I placed a security freeze with Experian some years ago. 

When I tried to remove the freeze I ran into brick walls online and on the phone. 

There appears to be no way for me to contact Experian and fix 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 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have had a personal account with Citizens Bank for many years and a year ago opened a business account for my XXXX XXXX. Subsequently applied for a XXXX loan on XXXX of this year and it was completely mishandled. I called about XXXX times since then, was told at one point it was approved and was just waiting on funding information. When I didn't receive anything, I called again and was told whoever I spoke to informed me incorrectly. That's a BIG mistake to make. After waiting two months from my initial application date, I was finally informed on XX/XX/XXXX it was denied, and that it never actually made it to the XXXX, which I was also misinformed of XXXX I was told on one call it was with the XXXX XXXX. Why it took bank XXXX two months to deny my application, why customer service reps couldn't provide consistent or accurate information, and why my app was denied when I have been self-employed in my current business since XX/XX/XXXX and am eligible under XXXX guidelines, I have no idea, but I am extraordinarily unhappy with how I have been jerked around and misinformed as a female XXXX XXXX XXXX. This round of XXXX was supposed to provide additional opportunities for someone like myself and it has done anything but. Furthermore, due to the delay, loan funds have been depleted and I am unable to apply somewhere else. No one I have spoken to thus far, including the branch where I opened my account, has seemed overly concerned with my situation. I was told that the only group that could assist me with the loan was " XXXX XXXX, '' which was reachable only via email and not phone. I emailed " XXXX XXXX '' a week ago and have not received a response. I was told by the branch where I opened my account that they don't have access to XXXX info and could not help me. How can a lending institution operate with this lack of transparency?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have requested that U.S. Bank allow me to opt out of overlimit fees on my account, as I understand we are allowed to do by law. I sat across from a branch manager to make this request in his office, and he told me that I can not opt out of overlimit fees on checking. They regularly allow " subscription services '' to charge without authorization. I have tried to cut off all these " subscription services, '' but I feel like I am constantly getting hit with overlimit fees regardless. I note that I have recently gotten an overlimit fee for a bank transfer. Again, I have asked them to simply deny the transaction, and they have said they will not do so for my checking 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 2021-05-05 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: TX

Complaint narrative:
XXXX XXXX XXXX SPECIAL SERVICES DEPARTMENT ACCORDING TO FRAUD AGENT XXXX AT EXPERIAN SPECIAL SERVICES THE FRAUDULENT XXXX ACCOUNT IS NOT ELIGIBLE TO BE REMOVED WITH DOCUMENTS I SENT, THE FTC IDENTITY REPORT AND POLICE SHOWING THAT SOMEONE HAS ALREADY BEEN ARRESTED FOR THIS CRIME AND YOU CAN NOT REMOVE IT BECAUSE THE ACCOUNT AND DOCUMENT DOESNT MEET CRITERIA FOR IT TO BE BLOCKED. DOESNT MEET EXPERIANS INTERNAL CRITERIA TO BE BLOCKED. I ASKED WHAT INTERNAL CRITERIA IT DIDNT MEET AND WAS TOLD I COULD NOT BE TOLD THAT ITS AN INTERNAL REASON. EXPERIAN IS KEEPING FRAUDULENT ITEMS ON MY CREDIT AND VIOLATING FCRA WITHIN 30 CALENDAR DAYS IF THE CREDITOR HAS NOT RESPONDED THEN THE ACCOUNT SHOULD BE DELETED. ACCORDING TO XXXX. XXXX STATED ON THE XXXX OF THIS MONTH BEING MAY IT SHOULD BE DELETED IF XXXX DIRECTLY DOESNT RESPOND NOT A THIRD PARTY COMPANY. 
I called in XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that experian is refusing to block these fraudulent items because of their INTERNAL policies which have nothing to do with the LAW. This is defamation and improper use of my credit report. This is a violation of the Federal Trade Commissions policies and legalities. Block and delete this account permanently from my credit report. Abide by the law and FTC requirements and Sec 604 and 609 of the FCRA

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 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS - Account Resolutions of XXXX XXXX XXXX XXXX, FL XXXX has refused to VALIDATE a debt that they ALLEGE that I owe. I also believe that they are in violation of HIPPA as they are alleging a medical debt and I have never hearf of these people prior to this and have not been provided with proper documentation as required by law. I have also never signed a HIPPA release with this company. They continue to report this debt without any account level documentation, and I have sent requests 3 times. They are illegally reporting information about 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 explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Contacted Bank of America in XXXX to advise we are being billed " Account Analysis '' fees for " Full Analysis '' checking accounts with XXXX. After advising Bank Of America that we have not used XXXX  for over a year and that our business accounts should be setup as business advantage instead of Full Analysis, I was told they would resolve this by changing accounts to business advantage and credit back the fees. 

We have 5 checking accounts with them. I advised we don't need that many accounts and I would be glad to consolidate some of them but was told it would not matter as they are all part of same relationship. 

I have had several email and phone exchanges asking for status updates. I have called their general customer service number and was told the fees would be refunded. Its been more than 7 months without this being resolved. 

I also learned that a PPP loan did not qualify as a credit or lending relationship and that I would have to open an additional line of credit / credit card if I wanted to have wire transfer fees waived which I applied for after learning of this. 

XX/XX/XXXX - Emailed my account management team about excessive fees totaling approximately {$500.00} and that we are not using the XXXX service and need it cancelled. 

XXXX - XX/XX/XXXX - I called their general customer service line and was told they were escalating the case and putting a request in for fees including XXXX. 

XX/XX/XXXX - They emailed me back stating the refunds are still pending. 

XX/XX/XXXX - They again emailed me stating the refunds were still pending. 

XX/XX/XXXX - I replied to the email that they are still charging me the fees and I had noticed new fee charges. 

XX/XX/XXXX - They credited back the fees charged on XX/XX/XXXX but none of the fees before that. 

XX/XX/XXXX - I emailed my account managers stating the credits were not processed. I have not received any response or follow-up. 

I am attaching one of the email chain threads to this complaint. 

Total fees were {$2900.00} for several months. 

The amount Bank Of America has yet to credit is {$2200.00}. They should have the case details as I had opened at least 2 cases about this, one with my account management team and then one with their general support team.

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 2021-05-05 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: MA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander consumer is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: NY

Complaint narrative:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NC

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation