vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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:
Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX XXXX XXXX showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX  member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXX XXXX 

I was supposed to receive FOLLOW UP by the XXXX INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the XXXX customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX  all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX  accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX  but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX  to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY XXXX  ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX  and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding the continuous harassment I have been subjected to by Bank of America. For months, every seven-day period, I have received more than seven calls, often up to three times a day, every day of the week except Sunday. 

Despite my answering some of the calls, the bank continues to call me repeatedly after engaging in a telephone conversation with me about my particular debt of about {$12000.00}. I have explicitly asked for the calls to stop, yet was told that even if I make regular minimum payments, they would still call me regarding any past due amount.

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 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
In XX/XX/2023 I proceeded to log into my new Coinbase account and found that my assets were absconded. The account shows several transactions on XX/XX/2023 at XXXX through XXXX that I did not perform nor authorize. See attached supported documents, Coinbase states my assets were successfully and securely transferred into my Coinbase account by them. 
I contacted Coinbase on XX/XX/2023 and filed a complaint. Their case # XXXX. Following up with Coinbase, I was told by Coinbase the following " I recommend attempting to recover the funds from the recipient by reaching out to them and requesting their help. '' I completed all procedures that they requested including a filing a police report in XXXX Georgia # XXXX. Scanning my devices with antivirus software did not show any hacking. I was then able to finally log back into my account to continue my reporting to Coinbase that my assets were still missing. To this day, Coinbase continues to state that transfers are irreversible. Coinbase was the guardian of my assets and they are not as safe and secure as they state. I respectfully request support in retrieving the assets from Coinbase as I feel they are fully responsible. They have the knowledge and where with all to track and see where my assets went. Please advise, your help in this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

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 2023-04-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$15000.00}.

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 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of America has violated my right. over the last couple of weeks Bank of America has frozen my business assets. they have without notification, recourse and legal letter, stolen my money and have refused to allow me into my account and/ or give my my money. mind you this is all without reason. I will soon have to go to the police. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 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: GA

Complaint narrative:
I XXXX XXXX reviewed a copy of my credit report and noticed this account and the following inquires do not belong to me. I am a victim of identity theft : Inquires : 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 non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
I purchased XXXX dollars us bank gift card on XX/XX/. When I tried to use the card, it was not working. I called the phone # on the back of the card, and the agent told me the card was disabled because someone was trying to use the card several months before I purchased the card. The agent advised me to use their website to submit purchase proof and IDs for replacement. I did what as instructed and weeks later, I called them again ; they told me they could not view the files I submitted due to an incorrect file type, and they could only take PDFs. I asked the agent how can the website designed to receive the file with the incorrect type in the first place!!! She told me to resubmit the document in PDF, but their website is no longer working. Once some documents were submitted for a card, you can not resubmit any other information. It is a terrible design indeed! The agent again advised me to mail the documents to them using the US MAIL. I again did what as instructed, and weeks later, I called the phone again to check the status. The agent told me he does not see any updates yet. I need to call back after 2-3 business days. I think this is unacceptable.

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 2023-04-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have had my Home Depot credit card account since 2020. Opened a online credit report service to check my credit score and notice that the credit card account is not being reported into the credit report bureaus. I talked the store about it last year and they said its being reported, but still doesnt appear in my credit 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 non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
My payment is not due until next billing cycle as evidenced by the screen shots included but they are saying my bill is past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15 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: NC

Complaint narrative:
I submitted a letter of dispute to Equifax by certified mail and it was received by an agent on XX/XX/. I recently received a notice from Equifax stating that they have no information on file for me based on the information that I submitted, which by the way was a notarized letter. 

I DO NOT understand why Equifax would even claim that my information does not exist. 
See attached letter and certified mail receipt. I believe that this is a stall tactic. 

The information reported on my consumer report ie : XXXX XXXX with a truncated account number XXXX. This is a duplicate account and it appears that I have 2 auto loans when in fact it should only be reporting XXXX XXXX acct # XXXX. XXXX XXXX took over the account from XXXX XXXX. XXXX XXXX account information is reporting accurately and should remain on my consumer report, however, XXXX XXXX # XXXX needs to be deleted. The XXXX account balance is incorrect as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello bank of America withdrew {$130.00} on XX/XX/XXXX for forced closed account after i made a payment arrangement. They were only supposed to withdraw {$5.00}. Causing a overdraft. My car payment comes out of this account. They said they don't think there is anymore to come out and transferred me around for 20 mins then i ran out of time. Then without notice they just withdrew XXXX on XX/XX/XXXX after i made a deposit to cover car insursnce. It's putting in terrible financial stress. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
IT'S TWO ACCOUNTS ON MY CREDIT REPORT THAT IS FRAUD FROM BERLIN WHEELER AND XXXX XXXX XXXX AND THEY ARE TRYIG TO COLECT MONEY ON A FRAUD ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: MS

Complaint narrative:
bank of America has violated my rights multiple times. the cfpb has allowed nonsense responses and has allowed bank of American to DEMAND that is stop trying to hold them accountable for their federal crimes. I now posses evidence from the dealership in question not just other banks. this shows how bank of America willfully, deliberately and with premeditation allowed this to happen after I requested evidence multiple time.

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 2023-04-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX name XXXX, XXXX NEED TO REMOVE IN 14 TO 30 days THANK YOU 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 non-monetary relief
Consumer complaint received 2023-04-15 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: IL

Complaint narrative:
requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

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 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didn't even verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.

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 2023-04-15 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: TN

Complaint narrative:
It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: GA

Complaint narrative:
On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, TransUnion and XXXX. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.

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 2023-04-15 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: GA

Complaint narrative:
On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, XXXX and Equifax. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
trying to collect money from me from an account that was open as fraud

Company response to consumer: Closed with explanation