vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: OH

Complaint narrative:
I called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXXXXXX XXXX XXXXXXXX {$11000.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, {$9000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX # XXXX {$15000.00} closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Collection Services acct # XXXX and XXXX XXXX acct # XXXX are reporting fraud accounts on my credit bureau. They both have been calling and threating to take my social security check by garnishment. I have told them over and over to sop call and I do not owe this debt or know what they are talking about. These are the only things on my credit file which I didn't do. I'm XXXX XXXX XXXX and about to turn XXXX this XXXX. I have had the same XXXX XXXX XXXX company for over 25 years and I have never had an credit card. This should be unlawful to allow someone to open an account without 100 percent verification. I never gave permission or identification for neither one of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
I have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from XXXX, and have one creditor leave a hard inquiry on my Equifax report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called XXXX to report and to get the issue resolved. As the result XXXX added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. Equifax on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
Companies involved : Transunion XXXX XXXX I was a victim of identity theft, and they applied for credit cards, loans which are in collection and are affecting my credit cut, I have tried to communicate with the creditor companies and explained the situation and I have not had a favorable response, I have also disputed these accounts in the credit bureaus and without any result, I ask for your collaboration to be able to solve this situation.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. In accordance with the Fair Credit report Act XXXX account XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX. In accordance with the Fair Credit report Act XXXX account XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To whom it may concern ; i have sent a complaint before concerning Navy Federal Credit Card. I have been an authorized user on user of my mother 's Navy Federal credit card since XXXX to present. I was diagnosed with XXXX in XXXX and most recently over XXXX to XXXX I went to stay with a friend, who was informed was thrown out of her home, we went to stay with her sister, in which also didn't work for her. I had not known that my credit card was stolen out of my purse without my consent and I avoided my mom, bc she didn't know I had XXXX. i believe I was taken full advantage of due to my illness. I was taking medications prescribed to me by physician which left me sleepy and mentally drained. This has caused a huge problem with my mom who was not aware of the transactions. My grandmother passed in XXXX of this year, after the homegoing services, we had a family meeting with lots of cousins in which my mother inquired with many of whom the culprit was reference the gas, the food, the coupons, and some purchases from XXXX. 

Since my mother has called the police and ppr ivied them to the charges and nothing has happened. I was an authorized user and this is getting out of hand due to the theft of the card. The phone number of XXXX XXXX XXXX does not ring and XXXX is full XXXX this is the second complaint and my mother had cut up my card in pure disgust. 

I would like to know if I may get assistance with this matter. 

warm Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021, I opened an online savings account with CitiBank to potentialluy yield a much higher interest on my savings. 3 months after having the account, CitiBank decided to close the account without any warnings. I immediately contacted CitiBank customer service to rectify the issue. Customer service pulled up my information via account/bank card number and verified my information. After reviewing my account information they informed me that the account has been closed and is under further review and can not discuss any further details, and immediately hang up the phone. it's been going on 4 months now and I still have not received any notice or update from CitiBank regarding my account or refund of the funds that was in the account. every time I call customer service it's the same situation. once they pull up the account they hang up the phone after letting me know that they can not discuss the account This is very frustrating because I had over $ XXXX in the account that I no longer have access to. I feel like I've been robbed by the ones whom I've entrusted my money

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 2022-07-20 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: MI

Complaint narrative:
Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  XXXX ( Finance ) XX/XX/XXXX CAPITAL XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX  ( Finance ) XX/XX/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 explanation
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/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 explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX amount XXXX i tried to communicate that this debt isn't mine but they will not respond XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I communicated to the bank that i am a victim of fraud and this isn't my account XXXX XXXX this account is not mine i was a victim of fraud and i told the bank but no action was taking XXXX XX/XX/XXXX XXXX XXXX  o told this company i never had a car loan from them and that my name and id was compromised and theft will not take action XXXX XX/XX/XXXX XXXX XXXX  does not belong to me someone used my identity to open this account and i called and tried to take action but theft didn't do anything to rectify this matter.XXXX XX/XX/XXXX. 
southwest credit system this account do not belong to me it was opened in my name without my permission XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I had found an apartment for rent on XXXX. Upon doing my due diligence and verifying that the individual I was communication with was a real person who worked for XXXX XXXX XXXX, I proceeded to send {$3300.00} through Zelle as a security deposit so the apartment would be taken off the market. 

Unfortunately, the identity of the individual had been stolen and I was not actually communicating with the real person. 

{$3300.00} is a standard security deposit in XXXX, WA. 

The individual even sent a fake Lease Agreement stating that should I not move forward with the unit, my money would be fully refunded. 

I reported the activity to Zelle and they did absolutely nothing, not even a response. I emailed the real agent to inform him that his identity had been stolen. Apparently this has happened numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
in XXXX of 2021 an account was set up in error with Binance.US because of a scam. I deposited accidentally money into the account, I was able to cancel two transactions i the amount of {$3000.00} however there is still a {$190.00} credit in account that I've attempted to withdraw since XX/XX/2021. I've corresponded with Binance.Us via emal -- XXXX email messages and XXXX videos sent ( with same informtion ) as per instructions. The videos for some reason can not be heard by Binance I'm tired of fooling with support. I want to withdraw my funds so that I can be finished each time I send a new video and information support tells not a good format. I'm not sending another one. Apparently there is no supervisor to override the system. 
I've proven myself over and over, we are talking about {$190.00} good grief refund my money close the stupid account and get out of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
Finance of America Mortgage emptied our Escrow account ( ~ {$1200.00} ) but did not use the money for property taxes. Although they admit the removal of the funds was their own mistake, they refuse to return the money. Have spent more than 10 hours on the phone trying to resolve this for 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
There is incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
There is incorrect information 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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: LA

Complaint narrative:
Asset care appears on my credit but I have never been notified by mail or by phone that I owed any amount of money. I would like the report in writing and when and where they obtained this debt and what the process was since it states it was XXXX of this year that it was opened and I have no knowledge of this. I have never heard of this company nor have I ever heard from them. How can they report to the credit bureaus if I was never notified of the debt? I would like this flag on all three of the credit reporting agencies removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My savings account was suddenly closed by Citi bank after I tried to transfer funds from my Citi savings account to another account ( something which I had done in the past, but with smaller amounts ). Without warning or communication, my savings account was closed on XX/XX/2022 for " suspected fraud '' and I was unable to access my money or online account. After calling Citi many times, the representatives told me that my remaining funds ( ~ {$5000.00} ) would be sent to me in the mail in 30-60 business days. After explaining to them that this was not fraud, proving it was my account, and telling them that it was unacceptable that they would hold onto my money for so long ( money which I need for food and groceries ), they said there was nothing more they could do and that I just need to wait the 30-60 business days. Today is XX/XX/2022, well over 60 business days from when Citi closed my account and I still have not received my money. The stress and frustration this situation has caused is immense.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX ( Listed over 14x ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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