vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 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: NC

Complaint narrative:
1. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.1

5 U.S.C 1681 section 602 A Section 2.I have the right to privacy.

3. 15 U.S.C 1681 Section 602 A. Section2. It also states a consumer reporting agency can not furnish account without my written instruction.

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 2022-04-12 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-04-12 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:
I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
4 credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all 4 of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No XXXX release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX company never sent information to verify debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo continues to mask it's responsibility for protecting its clients behind a third party company they own. They XXXX their responsibility to me their customer and offer no help. I will be moving my accounts to anyone else other than a bank that doesn't follow the law and protects its customers.

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 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a letter from Transunion stating that they had experienced a technical issue which impacted the freeze on my file, and that I should call if I noticed any inquiries on my account. I called and was told I was never sent a letter. I was very concerned as I had to input all my personal data on the phone, including my full Social Security number, to get to an agent! I had to call twice, as I got caught in a loop that had no " go back '' or " talk to agent '' option. Finally got a rep who insisted and/or continually repeated that : a ) I had no such letter, b ) the freeze was active, c ) the inquiries would not impact my XXXX XXXX, and d ) I go online to check my report. She resisted several times transferring me to the XXXX department. That rep told me the freeze issue had been resolved but was unable to give any timeframes as to when the freeze was impacted.

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 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/2022 Bank of America called me from their XXXX number to let me know a fraudulent transaction happened on my account using XXXX that i never used in the sum of XXXX. The told me to transfer the funds back to myself. They sent me a pin and authorization cade. they knew my acct last 4 numbers and also knew my available balance. 
I got a text on my phone asking for authorization to transfer funds which i replied no and i immediately got a txt back from fraud dept to call an XXXX number. 
i called the number from a land line while i had BOA on my cell. after 30 mins on hold someone answered and told me that they had a huge call volume with similar complaints to which i replied can we fix this asap. She replied the money is gone. 
Under REG E, i did not contact or induce the transaction, Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts. 
The Consumer Financial Protection Bureau put out a directive in XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' " This is when someone tricks you. So the whole idea that treachery is involved should mean consumers are protected by Regulation E, I spoke to bank of america when i recieved a letter telling me the claim is denied and after speaking to a supervisor and explaining the entire thing she said she would refund the money, after trying she said her authority level was for XXXX and she was moving it up to her supervisor and it would take 24-48 hours. 
a week later I am on the phone with BOA again getting a run around. 
the transaction was initiated by BOA, they knew my acct specifics and balance. The app they use " XXXX '' is owned partially by the BOA and six other banks with the same problems for their consumers. 

BOA is responsible for the claim and now states they are awaiting correspondence from XXXX which could take upto 45 days.

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 2022-04-12 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
TD Auto Finance was told in a court judgement to remove their report from my credit report. back in XXXX XXXX to this day nothing has been done and it has hurt my credit for XXXX yrs now then I find out from the DMV that the truck they say they auctioned is still in my name and wanting me to renew the registration. I never had the vehicle and they reported me being paid 3 months in XXXX XXXX thru XXXX but never paid a dime then they sue me in XX/XX/XXXX then fund me a new truck in XX/XX/XXXX. before we even go to court on the XXXX truck and lower note twice in 4 days now after the numerous court hearings, they were told to correct my report but hasnt done so, so far

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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:
I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
Hello My mortgage servicing company is Specialized loan servicing company. I have tried to work with them for the last 4 years avoid Foreclosure I submitted over XXXX no modification packages in SLS continue to state that it was incorrect because the system did not recognize my handwriting or did not recognize that that document was the correct document I even work with XXXX XXXX organization organization XXXX XXXX. They continue to give us the runaround to the point there was nothing else to do back in XX/XX/2020 I pay the {$40000.00} to save my house. In the month of XXXX I missed a payment I called to be put on a payment plan for only XXXX months the guy did my paperwork. they draft the money out of my account but continue to send the link for the letters. I called to inquire about the letters and they stated that they saw the payment plan but the system sometime didnt update and therefore I had to do another payment plan which increased my payments additional {$400.00}. Now Im paying XXXX on a XXXX mortgage. I asked for a forbearance and hardship assistance. A representative will state that I will receive a letter, and I never received a letter. During height of Covid-19, I asked and never received assistance and a letter of explanation.SLS company system scanner doesnt recognize sent documents correctly. This process has caused deep XXXX and 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 2022-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: E*TRADE BANK
State: CA

Complaint narrative:
I opened multiple accounts with ETRADE back in 2020 ; savings account, and accounts to trade stocks. Thursday XX/XX/XXXX I requested funds to be transferred out of my account and into a bank account I provided ETRADE the information for the wire. This transaction has yet to take place. I was told the account will be under review for 24 hours and would be released after that. At this point, 12 days later, all of my accounts and funds are not accessible. It has been requested of me by ETRADE to provide identification, a letter of intent and various questions be answered so they will release my funds. These requests have been completed multiple times, multiple representatives in the account activation department have been talked with, XXXX. Every time we talk I provide what they ask and I am told they will call me back. I have requested to be transferred to a manager or a person that can resolve the matter. Every time I get the same answer, there is no one they can forward me to, the account is in the back office for review, they have all the information they need and will call me back to resolve the matter. 

At this point I am unable to even log into any of my accounts, I can not see what is being done with any of my money, I am unable to trade any positions of stocks I hold. 

I need direction on how I can proceed to get my money from them. Currently they have {$130000.00} held where I can not even view it.

Company response to consumer: Closed with explanation