vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY 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 2022-06-18 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: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY 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 non-monetary relief
Consumer complaint received 2022-06-18 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: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
My checking account has been blocked on Monday ( XXXX ). No reason provided. In the email, I had a phone number to contact. I tried to contact them by this number more than 6 times. In sum, I spent more than 15 hours on this line including XXXX time when I was on the line almost 6 hours. Also, I tried to contact them by chat and the main phone line. The representatives said that they can't help. 

I still don't have access to my account and money on this account. I used their checking account as the main one so it has my salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Bay Area Receivables, Inc
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, in the amount of {$2400.00} and account # XXXX, in the amount of XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Citi Double Cash Card has been compromised and hit with fraudulent charges, and the resolution so far from Citi has been dismal and I fear the card will be consistently compromised leaving me stuck with fraudulent charges. 

XXXX. On XX/XX/2022 I received a fraud text alert from Citi about a {$19.00} charge for XXXX that I did not make. I responded that I did not recognize the charge and called Citi. On the phone the Citi employee assured me the charge will not go through and issued me a new card. 

XXXX. On XX/XX/2022 the fraudulent {$19.00} charge went through on the NEWLY issued credit card. I called Citi again and was told a second new card would be issued and the charge would be removed. The charge has not been removed. 

XXXX. In addition to the {$19.00} fraudulent charge, I now notice a NEW fraudulent transaction pending to XXXX on the second new credit card. 

Citi is issuing new cards yet somehow the unauthorized user ( s ) are receiving the new credit card info simultaneously, this is unacceptable. I want the {$19.00} fraudulent charge removed, the pending fraudulent charge to XXXX prevented, and a new card that has not been compromised before I even receive it in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
CREDIT REPORTING AGENCY THAT THIS COMPLAINT IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE AMERICAN CREDIT BUREAU EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

ACCOUNTS CONTRACT CALLERS COLLECTIONS XXXX XXXX XXXX I'VE ATTACHED EQUIFAX RESPONSE ALONG WITH MY MOST RECENT COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I got an email saying my account has been blocked due to suspicious activity. I called in and was told that my account is closed and the remaining funds will be sent through via check to me. Ive been contacting citi bank for a week now asking them the update on my check. I have {$30000.00} in my account and they wont give me answers on when my check will be mailed or if I can even track it. Everytime I call I get a different response and they end up hanging up on me at the end while Im trying to finish my sentence. XXXX day their response would be your account is still under investigation and the next your account has been closed and your check should arrive in 7-10 days and others would be we dont have a answer for you. Like what is it? You say my account is closed down, then give me my money back. They wont allow me to go inside the branch either. At this point Im out {$30000.00} and no real answers.

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 2022-06-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Asset Agency, Inc.
State: TX

Complaint narrative:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: KY

Complaint narrative:
XX/XX/2022, I checked my credit report from a collection listed on my report from XXXX collections. I filed an dispute with Equifax the same day. On XX/XX/2022, I received a message from Equifax that my dispute was completed, but it didn't specify anything about the fraudulent charges. On my other credit reports it was resolved and removed. Equifax failed to investigate the situation and removed the fraudulent charges from this collection agencies, so I'm filing a class action suit against them and the collection agencies for fraud and constant harassment. This is screwing up my credit. I'm a victim of identity theft, and I had to go through XXXX with the XXXX to get my identity protected. I have no other choice but to file a lawsuit. This is getting ridiculous and out of hand. This collection keeps popping in and out on my credit report for XXXX years now, going on XXXX. It's not even permanent. It just appear off and on all over my credit report. But they don't see fraudulent charges there. I contacted the collection agencies and they even send me fraudulent papers to fill out, but yet they keep posting these charges on my credit account. I know it's against the law for these types of organizations to see personal information to creditors and this what's happening now. 

Company : XXXX XXXX XXXX keep reposting this every XXXX months and the amount keeps changing. The organization they are helping scamming people is the same organization that's been sued several time this year and last year, and previous years for fraud, identity theft by the Department of Education for scamming students, with multimillion dollar lawsuits. They still have thousands pending class action lawsuits against them today and I'm going to be added to filing a class action suit against them too. XXXX XXXX University is a scam college and uses people personal information to gain financial support from scamming students who graduated XXXX XXXX years ago, with made up debt that doesn't exist besides student loans. They should be sued and shut down across the country with all the lawsuits they loss and had to repay people and the department of education XXXX XXXX suits for lying and committing fraud. They were found guilty of all fraudulent activities and they are still at it. 
Amount : {$1900.00} XXXX XXXX : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
Wells Fargo card is for {$23000.00}. XXXX XXXX ) is for more than XXXX XXXX.I have contacted Wells Fargo by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from 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 monetary relief
Consumer complaint received 2022-06-18 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: TX

Complaint narrative:
Bank XXXX XXXX pulled credit report and I have no ongoing activity or account, or request for service with them.

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 2022-06-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new XXXX XXXX card about 10 days ago. I haven't even used the card yet. When I applied on the Citi site the offer was XXXX points after spending {$2500.00}. Now a few days later the offer updated to XXXX points after spending {$3500.00} in 4 months. I been with Citi for well over 20 years on other accounts. I called to have the new offer honored but was told they are unsure if anything can do. I'm writing to try to have this new offer honored on my account since it was only a week before I opened it.

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 2022-06-18 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: NY

Complaint narrative:
XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from 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 2022-06-18 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:
XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from 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 2022-06-18 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: NJ

Complaint narrative:
I noticed a couple inquiries on my 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 2022-06-18 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: NY

Complaint narrative:
I disputed accounts as attached with both XXXX And EXPERIAN, these accounts were inaccurate were all removed by XXXX by the same companies as inaccurate.But Experian saying the companies as accurate. 
I have being trying for XXXX yrs now with Experian. 

How can accounts be accurate in XXXX bureau and not in the others bureaus after investigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also they inaccurately listed a residential address on my report which I never live there I asked them to verify that or delete any account associated with that, still listed. 
XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX New York 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 2022-06-18 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: NJ

Complaint narrative:
I noticed a couple inquiries on my 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 2022-06-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief