vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
US bank has opened an account in my name with funds deposited from Unemployment checks. I did not file for Unemployment nor did I request an account to be opened. I have received an ATM card for use in accessing these funds which have been fraudulently requested by unknown persons. Recently, I did see in the news where US Bank had been fined by the Government for opening up fraudulent accounts. Am I part of that or fraud at our state level. To date, I have not received a call, email or text from US Bank, or CFPB,

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an email from Bank of America ( whom I've never done business with ) XXXX at XXXX asking me to click here to confirm my email address ( I did not ). I received a second one at XXXX congratulating me on my new credit card. I was able to get the account closed on XXXX. I will be requesting a fraudulent credit card application copy request form today from Bank of America.

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 2022-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been paying on this for 10 years and payed it off and was told that i no longer owned this then they sold to Navient and found out the schooks i Attendant was envoled in predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: MO

Complaint narrative:
Experian is reporting fraudulent inquiries to my credit report and not removing them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is and fraudulent inquiry XXXX  XXXX XXXX XXXX XX/XX/2021 is and Fraudulent inquiry XXXX XXXX  XX/XX/2021 is a Fraudulent inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Eastern Account Systems , Inc. of CT closed out CFPB complaint XXXX, claiming it was a duplicate of complaint XXXX. However attached to XXXX were documents regarding its business activities in Michigan. Michigan law requires that outside firms register as foreign entity. Moreover, foreign entities engaging in activities that are regulated by the State of Michigan are also required to obtain a license in order to transact in their line of business/profession. According to the documentation attached to XXXX, Eastern Account Systems registered to transact business in Michigan and instead of stating the nature of their business akin to " any and all activities for which a firm may legally transact/conduct business in MI, '' their dumb-asses declared the field " Collection Agency, '' and then failed to register with the appropriate agency for a license to collect on debt within MI. records from the MI Department of Licensing and Regulatory Affairs ( XXXX ) show neither a current license for Eastern Account Systems to collect on alleged debts in MI, nor shows they have ever been licensed to do such in MI. Therefore, Eastern Account Systems is hereby advised they have been turned over to Michigan Bureau of Professional Licensing under complaint Record XXXX. Moreover, copies of this information are being furnished to the Michigan Office of the Attorney General, the CT Office of the Attorney General, the US Attorney 's Office for the XXXX XXXX XXXX Michigan, the Michigan Department for Civil Rights, and the Federal Trad Commission As I am someone that holds or has held security clearances, should Eastern Account Systems attempt to contact me in any way moving forward, I will report their attempts at contact to the FBI. Any and all attempts to contact my family, friends, acquaintances, employers, etc. regarding this alleged debt will result in legal action and will be reported to the FBI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-08-08 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: NC

Complaint narrative:
On XX/XX/2022 I disputed an Inquiry on my credit report. That day was a Saturday but the dispute investigation was completed within hours. Knowing it was almost impossible for a thorough investigation to had been done, I submitted another dispute the next day which was a Sunday. This time my dispute was investigated and I was notified within hours. The inquiry was placed on my credit report by XXXX XXXX. I think its impossible for Equifax to have gotten proof two times within two days days from XXXX XXXX. If a proper investigation would have been done, XXXX XXXX wouldnt have been able to produce anything evidence showing that I attempted to obtain credit from their company. I dont shop in their stores so its ridiculous that I would want a store card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
this card from navy federal had been fraudulantly obtained in my name and this reporting on all of my credit reports has been causing me undue problems with my finances i never applied for this card nor did I spend XXXX XXXX  of the said credit account. the card was obtained in late 2020 a a covid year a year in which I had no reason to apply for a credit card.this is a direct consumer violation of 15 USC 1681 a ( q ) ( 3 ) IDENTITY THEFT similiar to REG V 12 CFR 1022.3

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: MO

Complaint narrative:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-08 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:
CFPB and Equifax, This is a *new* claim with *new* updated information - attached to this *new* complaint are - a drivers license, social security card, mailing address, XXXX XXXX, XXXX credit report XXXX XXXX XXXXXXXX letter to remove late pays , XXXX XXXX letter to remove late pays, XXXX XXXX XXXX not my collection, XXXX XXXX and XXXX XXXX XXXX to remove collection letter Please have this handled immediately as this is damaging my credit and I am buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: NC

Complaint narrative:
I have inquired on my credit that could have been avoid due to XXXX computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to XXXX, Transunion, and XXXX to resolve this matter.

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 2022-08-08 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: NC

Complaint narrative:
I have inquired on my credit that could have been avoid due to XXXX computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to XXXX, XXXX, and Experian to resolve this matter.

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 2022-08-08 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: GA

Complaint narrative:
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 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 you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus. 

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The Equifax freeze I have been contacting them since last week and yet they havent allowed me access to my credit report due to the freeze. I had to change my password ( XXXX ) times since XXXX and yet they didnt assistant me with my request. 

I have contact them XXXX this morning and the representative had me on hold for along period of time and yet I have dont have no access to XXXX & XXXX APP on my XXXX and yet I must contact them to unfreeze my credit and as of today XX/XX/22 they have not unlocked my credit report I have filled out application for mortgage lender and they cant pull my Equifax credit report. 

This agency has right has unprofessional when it comes to my freeze on my XXXX. The representative ask me why do I need my credit report unfreeze and I explained to her she have no rights to ask me about what I am trying to do in order for them to unlock my credit. 

Nevertheless, when I login myfquifax.com and yet XXXX cant unlock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I reached out to Equifax via phone on XXXX XXXX. At XXXX EST I spoke with a representative and advised him that my consumer report was not fair and equitable to me due to the information that had been published on the report. I was advised by the rep that he was unable to remove any accounts but that he could start the dispute process. At that time I advised him that Equifax did not have my written authorization to have the information or to publish my information. I advised that I did not want to dispute the items but wanted the items removed. The information that I want removed has been disputed several times due to being inaccurate. At XXXX XXXX the supervisor stated that the FCRA stated that the information could be published anyway. At that time I stated that there is no obligation to publish my personal non public information anf that I have a right to privacy and that I have never given consent to have my information published. The rep refused to adhere to my request and the call ended. At XXXX XXXX  EST I called back, spoke with XXXX, and was transferred to XXXX and was connected to XXXX. I stated that my consumer report is not fair or equitable to me and that I was demanding to have the information removed and specifically stated that all of the Accounts associated with the US Department of Education would need to be removed and not disputed, the rep stated that I needed to wait 7 years, I advised that I did not provide consent for my private non public information to be published and that I have a right to privacy. Equifax did not exercise gave responsibility, was not not partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 b ( 2 ) Equifax never had a permissible purpose. I also stated several times that I did not want to dispute the accounts but that I wanted them removed. I requested for all late payments to be removed and citied 15 USC 6821 ( A ) ( 2 ) to advise him that furnishing fraudulent late payments is a violation and that is why I want the information for these accounts removed. Again, I advised that my consumer report needs to be fair and equitable to me and I have the right to privacy. I requested to speak with a supervisor after stating at XXXX XXXX EST that the accounts needed to be removed and not disputed. I was placed on hold twice and told that the supervisor would " say the same thing '' I then advised yet again that based on the FCRA my consumer report must be fair and equitable to me and that my written consent is needed to furnish my credit report. The information on my credit report has not been fair or equitable to me and is causing me great distress and anguish. At XXXX the supervisor hung up on me as I began to mention additional violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
Hello, When I signed up for XXXX XXXX XXXX  through XXXX, it was a Citizens One credit line. There was a duplicate order and I was shipped two XXXX as part of the process. I returned the second unit in XXXX, but I have been debited each month for both orders. I tried to work this out with Citizens One over the phone in the late spring, but they continue to double charge me. 

My original order ended up duplicated by XXXX. 

I had two orders : XXXX XXXX Both were placed on or around XXXX XXXX. 

The second order was returned to XXXX and received by them at the end of the first week of XXXX. 

For each order, I have been charged at {$37.00} each month since then. 

I called in XXXX to have this handled, and was told Citizens would contact me but have not. Since then I have not been able to reach their people. I will frequently get put on hold and then have to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: FL

Complaint narrative:
Equifax blatantly violate my rights by reporting erroneous scores which cost me to be denied for various credit products including my first mortgage. 

I WAS AFFECTED BY THIS ERROR 15 usc 1681 a 3 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Equifax did not assume their legal vital role to evaluate and assemble the correct information to process a report on my consumer report. 

15 usc 1681 a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

EQUIFAX WAS NOT FAIR NOR IMPARTIAL IN THEIR REPORTING AND DID NOT EXECERISE THEIR GRAVE responsibility to respect my privacy 15 usc 1681b ( 2 ) PERMISSIBLE PURPOSE U NEVER HAD A PERMISSIBLE PURPOSE I NEVER INSTRUCTED YOU TO FURNISH THIS REPORT OR CREATE THIS AND I NEVER CONSENTED THIS REPORT IN THE FIRST PLACE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
-My funds-approx {$750.00}, have been frozen since approx. XX/XX/XXXX and is still frozen today XX/XX/XXXX. 
-I have provided everything they have asked, sometimes there have been up to 12 days in between responses from their " review '' departement. 
-Their telephone customer service reps. can't help at all. 

-They kept requiring me to send in a physical copy of my social security card ( they had my number from day 1 ), which I didn't have, and finally asked for my birth certificate instead, which I sent immediately, then new problems arose. 

-They are asking for my source of funds which were {$13000.00} over a XXXX month period. I gave them full disclosure, and have sent over my XXXX tax returns, license, birth certificate, XXXX from the military, and utility bills. I also sent them numerous emails with explanation. I also have a passport to offer them.

-I used the funds to pay off credit card debt and now I am broke and my kid is hungry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist ran an application for a loan and could not finish the process due to systems failure. They said call back later or go into a branch and all forms that were signed will be erased. They left a Hard I quirky on my Credit.

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