vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have opted out of overdraft protecting completely ( as opposed to just opting out of some protection, 2 opt-out options the bank proposed ) when I opted out I was left with the information that if my account has no money to cover transaction then I may still get hit with a insufficient funds fee. Which I was ok with. However I did NOT expect TD bank to STILL temporarily deduct the amount I didnt have the funds to cover. PLUS the fees and THEN when the charge was no longer pending, credit me for the amount that should have been rejected instead! So Im not only now in a negative state regardless if temporary or not, the hold was long enough for the charges I did approve get rejected resulting more fees. An example, I had opted out of OD and I lets say I was expecting a check for XXXX attempt to clear but I didnt have the funds, which should have left me with a {$35.00} charge but instead of charging me just the insufficient funds fee they still deducted the {$100.00} anyways, but as a hold not a charge they plan to credit back the {$100.00} after a day or two holding that amount of the check that shouldnt have cleared at all!! Now the approved charges were now unable to clear causing my account to suffer additional fees. My account according to our agreement should be left with a zero bal based on my records and what I was told, not a negative bal. causing even more fees and problems! TD bank didnt refuse a check from clearing due to insufficient funds like I was told they would after opting out of protection. Instead the bank still subtracted the check plus charges from fees so my attempt to have enough money to cover my intended purchases and leave enough in my account to cover any charges a bounce check created! When TD credited my account for the amount they held from the check that should have bounced it was too late! So according to my agreement and my calculations I should have been left with enough money to pay a fee + the XXXX charges I authorized leaving me a bal of XXXX, However because of how they did things, it will now cost me over {$110.00}, leaving my account in a very bad way with a negative {$110.00} instead. This cant be fair? What was the point of opting out of OD protection if they still planned to remove funds that arent available? Then charge me for overdrafts or insufficient funds for each item on hold even if I agreed to pay them before check tried clearing. They argue that it is only temporary but even if temporary it was held long enough to disregard anything else coming through and clearing. I feel like I was lied to and stolen from. Dont I have rights and a way to protect myself and hold them for ever penny it cost me because they lied? I truly hope so, I will make this publicly known after this complaint to protect and help others from experiencing the same thing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting a late payment for XX/XX/2019 yet XXXX  is reporting paid on time. therefore Equifax is reporting inaccurate information. which is clearly an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: MI

Complaint narrative:
My car was stolen with all my personal information and now I see that someone is attempting to open accounts using my personal information. I have not given anyone permission to access 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
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting a late payment for XX/XX/2020 yet XXXX  is reporting paid on time. therefore Experian is reporting inaccurate information. which is clearly an FCRA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have paid this loan as agreed its still reporting open and inaccurate 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 explanation
Consumer complaint received 2021-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had XXXX $ of fraud charged on my bank card. Over like 2 months. It's obvious fraud. It's very common scam. I reported it. Opened a case. MY BANK KNOWS ITS FRAUD. ITS OBVIOUS. I DIDN'T MAKE THEM CHARGES.

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 2021-07-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
So I have a account with bank of america. I noticed I had a bunch of charges that I never heard of an small to large amounts. An it would be like 6 big amount charges in 1 day. Then a few little charges. Then on another date a cluster of big charges. All from XXXX an something called afterpay. These are NOT my charges. It's fraud. Its obvious it's fraud. After researching online. This is a common scam. My bank knows this is fraud. But yet. They denied my claim

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 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. The representative told me that this information could be deleted once they had an identity theft report sent to them. I have not received anything from this company neither have I applied for anything from them. I have no idea who has used my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Everytime i request and equifax credit report or credit score there is and error messege telling me to call them but everytime i speak with them i get the samething which i have to verifiy who i am but when i verify my self I still can get no credit report or see my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called and spoke with a customer service agent there at Equifax explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
Upon receiving my background check I was informed that my name didnt match my social security card. I have proof that this wrong ; since my social security card has the same name as the one given for the background check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Part of my identity was stolen. I never opened the account below. It does not even link with my Home Depot account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


THE HOME DEPOT/CBNA # XXXX ( XXXX ) XXXX XXXX XXXX Corporate Place XXXX XXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys is reporting inaccurate information on my credit report. I have put in several disputes with credit bureaus but its still coming back as verified information and its not. Its also occurring interest on a closed account. They are reporting {$810.00} as amount owed, and it was charged off for the amount of {$730.00}. It stated my credit line was {$800.00} and thats not true either. 
I also would like to dispute the inaccurate information about the opened date, one bureau says opened opened XX/XX/XXXX another bureau stated it was opened XX/XX/XXXX. 
Due to all these violations please remove this account from my credit report. It is stopping me from being approved for a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was a victim of a fraudulent job scam. I deposited a check the check bounced the bank froze my account I called them this happened on XX/XX/XXXX the check was XXXX. I called and spoke to several people telling them what happened they were inhuman taking all my IRS payments, stimulus money XXXX to settle the debt. They cleared a fraudulent check. I paid through XXXX I begged them to help me and not take all that money in a matter of days they recouped by taking everything that came their way. Let me and my children with XXXX nothing to live on. The Citizens bank should not clear checks in full amount until they have their funds. The XXXX XXXXXXXX XXXX XXXX should compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: OH

Complaint narrative:
I was looking at my credit report with Experian and after scrolling through there web access I finally got to the personal information section and saw over twenty addresses and some of the address belonged to actual company 's. On XX/XX/21 I notified Experian by certified postal mail that the address were not mine I enclosed a copy of my identification a current utility bill with my address where I live and I have lived here for some years I also included my ss #. I have not heard from them so on XX/XX/21 I repeated the process now im filing a complaint becuase i now know this reporting of wrong information on my credit file is deliberate in each letter i asked them to remove all the address and phone numbers except the phone number and address I provided. They have not and refuse to comply and went as far as to tell me to contact the cfpb and file a complaint as it is my lawful right to do so, so i am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: MN

Complaint narrative:
Part of my identity was stolen. I never opened the account below. It does not even link with my XXXX XXXX account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/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 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is reporting that I owe a balance when I have paid. I have tried to dispute but its coming back as verified when its not accurate. Please remove this inaccurate from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called and spoke with a customer service agent there at XXXX explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.

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