vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter from Bank of America, dated XX/XX/2022, asking me to call them right away because they'd detected suspicious activity on my credit card and as a precaution they've temporarily suspended the account. Afterwards, I called the phone number given on XX/XX/2022, and spoke to the fraud department of Bank of America.They informed me that a credit card had been opened in my name of which I informed them that I had no knowledge of. They told me that the credit card was opened with a $ XXXX credit limit and that {$14000.00} had already been charged on the card. They also reported that a payment had been made on the account as well. Since I had no knowledge of this account, they informed me that they would, and did, immediately close the account and I was instructed to make a police report of this incident and to also inform the credit bureau 's of this occurrence. They also told me that I would not be responsible for this debt. My next step was to go directly to a Bank of America on XX/XX/2022 to confirm that the letter was actually from them, in which they informed me they could only confirm that the account referenced had been closed and that I should continue to make a police report. The XXXXXXXX XXXX XXXXXXXX. referred me to you to submit this complaint before we can actually file the police 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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/22 I received three emails from Truist Bank that a personal checking account had been opened in my name. My full name was on the email with the account. I called Truist to confirm and they did confirm an account had been opened in my name. I was told that someone must have my name, address, date of birth and social security number in order to set up an account, but that the phone number doesn't have to be accurate. I called Truist and they closed the account and forwarded my issue to their fraud department. They are supposed to call me if additional information is needed, but I wasn't given more information than that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion s failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account Name : XXXX BANKRUPTCY/ Account Number : 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 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. 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. I have no knowledge of any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-08-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-08-15 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: MI

Complaint narrative:
Today I spoke with a representative from Experian 's fraud department who indicated that Experian is continuing to decline honoring my police report due to their internal policy. I was also told that the creditor does not send Experian a letter in writing to remove the fraudulent information, it would remain on my credit for up to 7 years as it was " verified '' by the creditor with my name and social security number, that clearly has been breached. 

Therefore, Experian continues to willfully report fraudulent information on my credit and it is causing me financial harm and distress. The account from XXXX XXXX is fraudulent. The account number is XXXX, This account is detailed in my police report that was sent to XXXX. This is a direct violation of the Fair Credit Reporting 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
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am one of the people that had bank of America during the pandemic and my account was blocked and money was stopped because of people not doing their job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: PA

Complaint narrative:
Equifax credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Equifax has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Equifax has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. XXXXXXXX XXXX XXXXXXXX XXXX XXXX " Closed '' XXXX XXXX XXXXXXXX " Closed '' XXXX. XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX XXXX " Closed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: PA

Complaint narrative:
Attempted to develop an alternative repayment method during a call in XX/XX/2022. Was told they could help become current on my loans starting the first week of XX/XX/2022 for a payment in the {$97.00} range ( specific amount unsure at this time ). Launch Servicing said they would send out information to me regarding this repayment plan. I received no such information. When I asked for this information they told me there was no plan in place and I was ineligible. This is totally inaccurate and has/will affect my ability to secure housing and student loans for my graduate program. I believe they acted in bad faith and were deceptive in their practice. I verbally agreed to the alternative repayment plan discussed but they are not holding up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A Bank of AmericaXXXX XXXX XXXX XXXX opened in my name and mailed to my house in XXXX of this year. I called their fraud dept and had them close the card. I also froze and monitored my credit and had the hard inquiry removed. Just a few days ago I received a fake letter for the card i closed saying it was approved ( dated XX/XX/22 ). I believe the scam was to steal my info, open the card, and then send this letter to get me to call them back so they could get more info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Per USAA report to me on XXXX via another CMFB complaint, I was removed from the USAA jointly held account # XXXX on or around XXXX without my knowledge or consent. 
I did not call, nor login online, nor sign a signature card requesting to be removed from this account. Furthermore, any signature that did remove me from this account would be a FORGERY. Any login that indicates I removed myself from this account would also be fraudulent as I did not do such. 

At the approximate time I was taken off acct ending in XXXX, there was {$6100.00} in the account. The following deposits totaling {$13000.00} were subsequently made to my joint account ending in XXXX ( ***after my removal ) for a total of {$19000.00} in credits to the account in the weeks subsequent to my removal : XXXX {$4500.00} XXXX {$400.00} XXXX {$2400.00} {$3000.00} XXXX {$1000.00} XXXX {$100.00} XXXX {$100.00} XXXX {$200.00} XXXX {$300.00} XXXX {$320.00} XXXX {$500.00} XXXX {$100.00} XXXX {$120.00} XXXX {$32.00} From my joint account for which I was fraudulently removed, please note the following debits and withdrawals : XXXX {$7100.00} {$1000.00} XXXX {$500.00} XXXX {$320.00} XXXX {$680.00} {$8500.00} XXXX {$370.00} XXXX {$100.00} {$530.00} autopay of loan XXXX These debits totaled {$19000.00}, resulting in the account being overdrawn approximately {$22.00} ; nominal interest is not considered. This account was subsequently closed after I was fraudulently removed from it and the contents were drained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello there. I have credit card # XXXX XXXX XXXX XXXX with TJMaxx. They sent me a text 3 months ago stating to pay my full balance on {$53.00} which I did online Apparently, there was an {$11.00} balance left, that they didn't tell me. They added a late fee of {$20.00}, making my balance {$31.00}. I negotiated with them, ended up paying {$19.00}, and I requested my card to be cancelled. They reported me to the XXXX, ruined my credit on records. Please help me, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On the day of XX/XX/2021, I decided to drive the vehicle I obtained through a consumer credit transaction, used for family personal and household purposes, to the gym for a hour long workout session. Upon walking to the spot I parked my vehicle, I noticed it was in fact stolen. I immediately reentered the gym and requested to see the security footage of the Parking lot for the last hour. I also called the XXXX police to aid in the investigation. I filled out a police report with the facts and while watching the footage of the security camera, it showed a debt collector from the company named XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, Michigan XXXX, in a tow truck hired by GM Financial, back into my vehicle, lift it up, and proceeded to steal it in broad daylight! My vehicle was financed through GM Financial, whom I have several CFPB complaints against for violating my federally protected consumer rights under chapter 15 Title 41 of the United States Code. When I contacted GM Financial they attempted to extort and bully me into paying {$2100.00} for property that was obtained on credit and which included a finance charge. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I am a consumer who has been violated and robbed of my personal property by Gm Financial and they have not received any repercussion as a result of stealing. I have lost a job, missed job opportunities, and have experienced hardship as a result of the theft.

Company response to consumer: Closed with explanation