vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
About 6 months ago i received a copy of my credit report and i noticed a account thats listed on my report that i ever applied for never used and never revived any benefit from. I disputed this account and they refused to remove them. This account are results of identity fraud. Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXXXX, credencer.com.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank has sent repeated checking account invitations to a person who has never lived at my home, XXXX XXXX, whose address is XXXX XXXX XXXX XXXX XXXX, NOT XXXX  XXXX, which is MY address. All previous correction attempts have been ignored, & I have no knowledge of this person. The enclosed uploaded documents show incorrect address AND a XXXX search proving his voter registration with XXXX XXXX Immediately correct the issue as I am considering legal action for this harassment.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
I am filing a complaint for Fraud on my W2Go Nevada Unemployment Debit Card.. I have not lost or had my card stolen. The card mentioned is in my possession. I live in XXXX, Nevada and have not traveled to California for years. On XX/XX/XXXX I was in XXXX AZ for a XXXX XXXX Appointment. It was a day trip returning the same afternoon. That was the only day I was out of town for the month of XX/XX/2023. I live alone, no one has access to my safe, to my cards, my pin number or any authorized use of such. I was informed by W2Go customer service on XXXX that when I filed the fraud complaint on XX/XX/2023 that the card was suppose to be cancelled at that time and the customer service representative failed to do that. Otherwise we might not be talking about additional fraud on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MN

Complaint narrative:
On XX/XX/23 my account was frozen because I received a direct deposit from my daughter 's father 's payroll that did not have my name attached to it. They sent an email stating I needed to provide proof of my identity so they could " investigate '', and I provided photo of my driver 's license. I also called customer service to clarify what was being investigated, but they couldn't give me any information and told me I needed to correspond with their " special investigation team '' via email if I wanted more information. I sent another email asking if they had received my last email with my driver 's license photos, and asked what they were investigating and how long does it take, and what I could do to expedite the process. After several hours with no response I launched a XXXX  with them, with the same explanation. " We don't have any information for you, you need to speak with the special review team via email. '' The next day ( XX/XX/23 ) there was still no email response. I emailed again, pleading that they grant me access to the funds that were in my account prior to the deposit, and just hold the " suspicious '' deposit if they were still needing to review or investigate. No response. I chatted online with member support mentioning the same to the rep I was chatting with that I did in the email I sent, she told me there was nothing she could tell me or do, but she would " escalate '' my review to get me help a little faster. I didn't receive any response XX/XX/XXXX or XX/XX/XXXX ( Saturday and Sunday ), and no response by Monday morning. So Monday ( XX/XX/XXXX ) I called again, same response as before, asked to speak with a manager and there wasn't anyone available. I was told the manager would send me an email ASAP. I went to work, still no response from a manager by late XX/XX/XXXX. I called again and spoke with a manager who told me the same thing the other reps did. No answers, no resolution. I called XXXX at XXXX and asked to speak with a manager right away. He told me that they would escalate my case to high priority and I would hear something back from the investigating team in the next few hours. I told him that they had six hours to respond to me or I was going to close my account. Of course, no response. XXXX I called to close my account. The rep said because my account was being investigated I could not close my account. I asked to speak to a manager. The manager said the same. I told him I wanted a check mailed to me in the amount of money I had in my account prior to the questionable deposit, and to return the funds from the deposit to the depositor. He told me he could not do that, there were no answers he could give me, and hung up on me because our phone call was " no longer productive ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AL

Complaint narrative:
XXXX a burglar alarm company said that they installed equipment in my house that I never had installed and never have use them for a burglar alarm system

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: AZ

Complaint narrative:
I have submitted a complaint already. United Auto Credit has contacted me 2 times today and proof is below. I also received a text message. This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
Due to an inaccurate background check conducted by the company Checkr, I'm currently unable to perform XXXX deliveries. This situation has had a severe impact on my life, as I rely on these deliveries to make a living and cover my essential expenses. 

The impact of this unjust assessment by Checkr has extended far beyond their intentions, as it has caused an intricate web of financial stress and emotional strain. Each day that Im unable to undertake these deliveries is another day I wrestle with mounting bills and the haunting uncertainty of how I will manage to make it through. My dreams, aspirations, and even basic necessities have been placed on hold, a victim of circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
For many years I had an AAA Visa -Bank of America credit card XXXX I received a letter dated XX/XX/XXXX that the AAA Member Rewards credit card account by Bank of America was to be taken over in XX/XX/XXXX by XXXX XXXX XXXX. 
I had XXXX points and chose to redeem XXXX for cash. I submitted my request online and the attached Bank of America Cash Redemption email I received stating : Your redemption request is confirmed. Please allow XXXX business days from the date of redemption to receive your rewards. It is noted a personal check was requested and the XXXX ID number. As of XX/XX/XXXX, I have not received this {$100.00} check. 

I read online that Bank of America has been ordered to pay {$250.00} million for illegally charging junk fees, withholding credit card rewards and opening fake accounts. The CFPB accused the bank of harming hundreds of thousands of customers, etc. The bank illegally withheld promised credit card cash rewards. 

My {$100.00} is small in comparison to the money owed to customers but Bank of America needs to be held responsible for all monies withheld and owed to customers, regardless of the amount. Thank you.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2023-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I sought to make an online transfer of funds from my savings account. Because I had made a transfer the day before at the maximum amount they told me that I could not make additional transfers from the account until 4 days after those funds had cleared even though though the funds had come out of my account. Funds are therefore trapped and I am unable to access. They told me that this is to prevent fraud even though the account that I was transferring to is a pre-established and verified account that I have used for years. No where online in the disclosures that they have published online is this restriction described. They claimed that some months ago an e-mail was sent to customers notifying them which I do not recall receiving but even if this is the case why isn't this published in their online disclosures?

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 2023-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander hasn't reported my good standing to any credit bureau. I called on XX/XX/2023 to inquire the reason why they won't reporting my good standing to any credit bureau ; didn't get any adequate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to express my deep concern over the failure of Equifax, XXXX, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: DE

Complaint narrative:
I am writing to express my deep concern over the failure of XXXX, Experian, and XXXX, the three main credit bureaus, to validate and research the debts listed on my credit reports in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, including sending validation letters and making phone calls, these credit bureaus have not provided the required verification within the prescribed timeframe. This disregard for legal mandates has left me questioning the accuracy of the information on my credit profile and eroded my trust in their compliance with consumer protection laws. I urge for a comprehensive investigation into this matter to ensure the credit bureaus ' adherence to these vital regulations. 
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 explanation
Consumer complaint received 2023-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
IDENTITY THEFT VICTIM DUE TO DATA BREACH FROM XXXX, AND OTHER CRA. HAVE DOCUMENTS OF FILE REPORTS TO FEDERAL ENFORCEMENT AND IDENTITYTHEFT .GOV

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation