vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have a collection from IC System for an account with XXXX XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. I am a victim of identity theft and this was done by someone other than myself. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.

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 2021-11-11 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: OR

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, XXXX, or Experian any written consent to report anything on my consumer report. No consent is Identity Theft.

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 2021-11-11 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: FL

Complaint narrative:
This is XXXX XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TN

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and homeless with XXXX kids.

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 2021-11-11 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: NY

Complaint narrative:
I did not authorize charge in the submitted police report. Please DELETE this item from my EXPERIAN credit profile as it is causing serious harm to my credit profile.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is the account end in XXXX problem caused the account funds being low. fact are TD bank repeat again and again send XXXX debit back number of time charge the consumer the fee and still return the item TD bank have always paid my and my wife XXXX debit item for over year and they would assessed a fee of 35.00 me and my wife would immediate take the step to resolve. the represent explain that we had the overdraft protection but still send the consumer a letter stated that the item was completed and assessed the fee of 35.00. the evidence show that this took place over a time. 100.00 of 1000.00.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to tell you Experian, this will be your last change to change your lies, about my person due is complete ilegal. 

I am letting you know, on your face, you got money, you got the power, use it as Law in USA say, use it on the favor the people of america.

Do not Insult USA with your behavior, Take me court, Please i beg You, show and say, what you said in front of a Judge, let see your Hypocresy.

You and XXXX XXXX XXXX Insult me in so many ways and times, as XXXX, call me one day Oh XXXX XXXX who do not know anything about credit. You guys really believe that people are XXXX, Just because you got the power. NO < NO you guys stink in this country If I can not prove all your lies in front of a Judge, declare me Guilty and to my sentence add 5 more years, just because I offend you.

Show to America, who you really are, is insane all your fakes staments, take my advise i can sing to make legal a doument, that if i Can not prove who you are, add 5 more to my sentence. 

What you got to loose, lets go to court your, any way, with all the money XXXX, XXXX XXXX XXXX XXXX have taken from me, your lies, i will owe soon more than {$10000.00}, maybe there i will be able to take you to court. 
You Experian andXXXX XXXX insult me giving me $ XXXX credit,, What happen to the time your charge me {$29.00} + {$39.00} twice on my account, you ever remember?? that you charge twice, so you guys, you really consider me XXXX, you never give that money back, What you say now, you do not remember?? 
To me do not matter if one day you remember and want to give me that credit, do not bother, just donate, that money to any XXXX charities, you will make them so happy. 

IF you need a copy of my bank statement, just ask, I will be glad to show you. 

God bless America and bring XXXX for presidente Again

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 2021-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I called Santander consumer USA and I had voluntarily surrender my car to them due to having many issues with the vehicle for many a few years! So I called them and told them to come pick the car up!! It is now XX/XX/XXXX and they still havent pick the car up! They keep telling me they process of picking a vehicle up takes a long time! The current balance on the account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This all started when i got a loan from the bank for finance my vehicle in XXXX of 2021. Little to my knowledge, they listed my loan under someone elses social so i could not register for online management. In XXXX of 2021 they said that they had separated the accounts and walked me through how to set up the online management. This was on XX/XX/2021. On XX/XX/2021 my credit report updated and i got an alert on XX/XX/2021. The alert was telling me that my credit score had dropped. I logged in and saw i lost 88 points. I called the XXXX and asked what was going on. They were looking and said that a BOA credit card account had been added to my closed account section. Why was this on my account? Ultimately what BOA did was now move the other persons negative account to my positive account causing the point drop on my credit and a denial for a refi.

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 2021-11-11 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: AP

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
Bankruptcy : XXXX-XXXX-Asset Amount : $ XXXX-Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
I received a letter dated XX/XX/2021 from Glass Mountain Capital LLC. I did not give Glass Mountain Capital LLC permission to contact me. Glass Mountain Capital LLC used obscene language by alleging I owed a debt. The alleged debt is disputed. I do not have a relationship or contract with Glass Mountain Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MO

Complaint narrative:
After filing a complaint yesterday against equifax for not resolving a dispute that was inaccurately filed .. equifax responded and still said that XXXX XXXX balance was XXXX and its actually XXXX. How do things as important as someones credit get unresolved. Not only were the other disputes not resolved but XXXX XXXX still shows alarms balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a letter dated XX/XX/2021 from Synchrony Bank. The letter indicated that Synchrony Bank sold my personal information to a third party debt collector. I did not consent to Synchrony Bank selling my information to a natural person or a corporation. The alleged debt is disputed. Synchrony Bank selling my personal data to anyone without my permission is identity theft.

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 2021-11-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, Nelnet called my cellular telephone at XXXX PT from XXXX. The calls from Nelnet constitute harassment. I revoked consent for telephone calls with rep, XXXX on XX/XX/2021 at XXXX. Since revoking consent, Nelnet called again on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

In addition to revoking consent from telephone calls to my cellular telephone using an automated dialer, I also emailed Nelnet at : XXXX and copied XXXX on XX/XX/2021. The email requested Nelnet cease and desist all collection activity on all mediums of the alleged debt. Ignoring my cease and desist request, Nelnet sent another email on XX/XX/2021. 

Nelnet is harassing me and violating several consumer laws. My XXXX filing does not list any liens or debt from Nelnet. Nelnet is furnishing false and deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I bank with Chime Bank online and have done so for about two years. On Friday, XX/XX/2021, early in the morning, I wrote an email to : XXXX to give them an update of my new phone number. Within fifteen minutes I received two emails stating that my account was now locked due to " suspicious activity ''. They went on to say that to get it unlocked I needed to submit my drivers license, front and back, copy of social security card, a selfie w/me holding my ID and a paper with my name and the current date. I submitted immediately and they later responded they could not read the selfie. I resubmitted the selfie and now, have done so at least four times but I think it is five times. My social security check goes to them via direct deposit and Friday was payday too. As of this time, they will not unlock my account, and no longer communicate with me. I have called and get shuffled to someone who states I will get a call back from a specialist but to date, I have not received one call. I have sent numerous emails aside from the ID ones stating that I need to pay bills and have no money. I am now past due on rent which will cost me an extra one hundred dollars, I am past due on my credit card so my credit is to affected poorly, I have absolutely no cash and nobody to borrow from. It is my belief they messed up from the start by locking my account when I simply asked to update my phone with a new number. There was no suspicious activity, and all the while they never asked me for my password or even my address of record. If the selfie was in fact not readable, the last one I sent in was taken by my landlord and was easily readable. I contacted them on XXXX last night and they responded saying they would get back to me but did not/have not. I am now desperate as I am flat broke. As far as I am concerned, Chime is irresponsible in their total disregard for my well-being. I am angry, I am sad and depressed, I am frustrated, I am resentful of their poor communication and they act like this is some kind of game but it is only me that loses here. To take control of my funds in such a manner is not the act of a valid fiduciary. I also had a small deposit of seventeen dollars rejected by them during this past week. I am at the point where I feel incapable of continued communication attempts without using foul language in expressing my sentiments. In a separate matter, a couple of weeks prior to all this, my phone was hacked via a " sim swap '' and I lost all my savings at a brokerage, that was my emergency money and because of that loss, having my account locked, has put me in a very bad situation. No bank should be allowed to jeopardize access to one 's money, and if it is in the name of security, it needs to be resolved at once. XXXX, Chime can go straight to XXXX! They need to open my account and should compensate me for having late rent fees due, and damaged credit as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX XXXX-Balance {$0.00} XXXX  XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$2100.00} XXXX-Balance {$780.00} XXXX-Balance {$1700.00} XXXX-Balance {$1100.00} XXXXBalance {$1200.00} XXXX-Balance {$1700.00} XXXXBalance {$1700.00} XXXXBalance {$810.00} XXXX XXXXXXXX-Balance {$340.00} XXXX  XXXXBalance {$1800.00}

Company response to consumer: Closed with explanation