vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: FL

Complaint narrative:
I have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX  - XX/XX/2021 Here are the inquires from TransUnion XXXX  XXXX - XX/XX/2021 FXXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021

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 2022-02-21 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: KY

Complaint narrative:
Hello, I am XXXX XXXX. I am making a complaint to Experian in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results dated XX/XX/XXXX, XXXX # XXXX. 

I am disgruntled with Experian 's professionalism as you spelled my name wrong, you stated you are not reporting XXXXXXXX XXXX on my credit report, however, you sent me a credit report that still lists XXXX XXXX. 

Again, this violates my rights and is against FCRA and FCDPA. 

Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 

Also, I am unable to get ahold of customer service! No one that is a live agent is available! 

I demand Experian to update my credit report immediately and send proof of so via mail. 

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 explanation
Consumer complaint received 2022-02-21 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: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I am not swayed that Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, I was the unfortunate victim of a XXXX XXXX data breach in which malicious actors were able to gain access to two factor authentication methods to make unauthorized charges on XXXX  customers credit cards. They did it via a method called SIM Swap. XXXX has acknowledged this but has done nothing to help me. On XX/XX/2021 I lost access to my phone connection for that evening and that was when this happened to me. Someone tried to make various purchases on a TD credit card that I havent used in quite some time. They tried making purchases at XXXX and XXXX XXXX. The dior ones were declined but for some reason they were able to successfully purchase an XXXX at XXXX XXXX and make it look like it was me. I have attached the receipt and transaction total. I immediately contacted TD to file a fraud dispute and close my card. TD says they are investigating but I also want to file this complai because TD has yet to reverse the charges. TD has told me that it is going to time to resolve the claim but i am growing increasingly concerned about the charge on my credit card for {$1300.00}. This has been a very upsetting situation for me as a single mother on a very fixed income. I am asking you for your help to recuperate my loss. I did not make this charge and I am saddened that I was a victim and potentially liable for this charge. I have sent you all the information that I have. I also went into the XXXX  store in my neighborhood and they went into my account and saw that someone infiltrated my account on XX/XX/XXXX under the guise of it being me. I have not heard anything from TD bank regarding my claim, no letters, nothing. When I call TD to ask about it they say I have to wait. In the meantime they are demanding me to make minimum payments on my credit card which I can not afford, and adding finance fees and late payments to my account. It is in dispute so they are not supposed to be adding on fees. I am suffering from XXXX because of this and am turning to you for help, please. I did not make this charge and TD has done nothing to help me. I need this charge reversed so I can move on with my life. I have attached some information that will help you make sense of this including a news article about sim swap fraud. they were able to gain access to the point that they posed as me to make a purchase at XXXX XXXX without my consent. TD allowed this charge to post. I am furious and saddened beyond belief that they allowed this to happen to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accelerated Servicing Group LLC
State: OK

Complaint narrative:
For the past week I have been receiving calls from ASG, who claim to be a debt collection agency, trying to collect a debt from someone other than myself. I have repeatedly told them they have been calling/texting the wrong number and asked them to take me off their calling list. However, they continue to call/text multiple times a day.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
Theyre violating 15 usc 1692 ( a, b ). This company is also committing ID theft. Theyre also violating 15 usc 1692 c ( c ). Invasion of individual and family privacy. Last I want them to provide a written contract between me and the party listed 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 2022-02-21 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: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I purchased 12 US Bank {$500.00} XXXX gift cards from several XXXX stores for a total of 12x {$500.00} ( {$6000.00} ). My intention was to pay for water damage repairs at my daughter 's condo. This was because the repair company allowed payment by debit card for no fee, and I would get the benefit of the credit card points. 

In order to use the cards online, I needed to register my name and address for each one via a dialup process, which I proceeded to do. The first 10 cards had no problem. The last two cards caused the calls to divert to a call center line with long wait times on hold.

I called this line twice in succeeding days. The first time I was on hold for 40 minutes, and the person who finally answered, after I gave him the gift card number, suggested that I just call the # on the back of the card. Since this was the number that I had just called, I said that made no sense. But he was unwilling to help in any way.

I called again two days later with the same long hold time. A woman answered, and after I gave her the card #, was willing to contact a " specialist ''. After a further hold time of several minutes, she said to call back in 2 business days. She was unwilling to take any action on my second card, even after I complained about the long hold times. The total time for this call was 1:19. After waiting several more days, I tried again today and got the same call center hold.

It is not possible to access any info on these cards via the website www.prepaidgiftbalance.com The numbers on the two gift cards are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both with XX/XX/XXXX expiration dates I will attach PDF files from the XXXX XXXX website showing my purchases at XXXX on XX/XX/XXXX. 10 cards on my XXXX  card and 2 on my XXXX XXXX card.

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 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I was notified of this debt in XX/XX/2021 on my credit report, I immediately called and paid. I have been paying on this hospital bill monthly but did not know this was a separate bill. My dad was very sick and I was taking care of him by myself, he passed away XX/XX/2021. The hospital bill is paid off. I contacted the XXXX XXXX and they were happy to help get this removed from my credit report. I also contacted CMRE to ask them to remove, they were very rude. You can look at my history and I have always had good credit. This has ruined my credit even after paying and at my age this is devastating! I have always been very vigilant in paying my bills! Please help me get this removed. Iv even hired help which is costing me XXXX/month. If I had known this was a separate hospital bill I would have made arrangements to pay it. Life is hard as it is and this has absolutely ruined my life. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MO

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX/XXXX  XXXX  Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called Bankamerica on XX/XX/2022 because I did a few very smaller transfers from XXXX account to my other account, and when my account was negative they allowed me to take an overdraft fee 4 times for {$35.00} just from transferring money from XXXX account to another. I'm filing this complaint because I have been a client with them for XXXX decades and I can't believe they would charge me {$35.00} for each transfer. I asked to speak with the manager and the manager was not helpful and she wasn't polite the rep wouldn't help me or the manager. They would only refund XXXX overdraft fee and that's understandable but this is wrong and something needs to be done.

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 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
on XX/XX/2022 I XXXX XXXX a federally protected consumer sent SYNCHRONY BANK a request for debt validation, including but not limited to the initial agreement, debt collector failed to verify debt. Debt collector sent billing statements which is not verification of debt.

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 2022-02-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am name is XXXX XXXX and this This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear CFPB Goldman Sachs is continually been destroying my credit worthiness for years and I have been communication with them relentlessly and have shared that I do not have any knowledge of the debt owed, they have failed to provide me any signed documents bearing my true and actual signature and have gone against all FCRA sections I dispute with the bureaus only for them to reply electronically and say it's valid. It clearly states that once I have notified them that this debt is in fact a part of identity theft they are not to sell, transfer or place the debt out for collection yet they have transferred it to and outside agency who is acting as a collector on their behalf. I have sent my DL License, social security card and police reports to the furnisher and it seems to be ignored, I will not send it again at this point. At this point they are breaking all FCRA reporting act and I nearby demand and investigation. They stall and wear you down as a consumer until you have no more fight. I was a victim of identity theft and have attached my XXXX Police report and Federal Trade Commission Affidavit once again so that they can notify each bureau and have the erroneous, derogatory information deleted at once. Per 605B they are in violation. They are matching a name and address and saying it is mine. " IT '' S NOT '' and I state it again and again that I have no knowledge of this debt that I have been disputing since XXXX. I have place the explanation of the duties when ID Theft Occurs and would appreciate immediate attention. It was the worst thing that has ever happened to me. 

Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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:
I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is 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 2022-02-21 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: TX

Complaint narrative:
I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CHOICE CAPITAL FUND
State: TN

Complaint narrative:
I received a loan from this company XXXX weeks ago and have since been trying to call them for the last 6 days about revoking their right to ach debit my checking account. The phone just goes to music and I sit there forever and noone ever answers or the phone disconnects. Its happened 10 to 15 times. I have also sent an email ... ... No answer as of yet. I was told this company was operating illegally in Tennessee. I want this company to contact me immediately. Thank u.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation