vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: MI

Complaint narrative:
On XX/XX/2021, at XXXX XXXX I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.

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 2021-07-26 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: MI

Complaint narrative:
On XX/XX/2021, at XXXX XXXX  I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX  and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: WI

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-26 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:
On XX/XX/2021, at XXXX XXXX  I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX  and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.

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 2021-07-26 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I sent them certified letters numerous times asking them to correct the information but they refused. XXXX reported the same thing twice under different company names and Portfolio RC incorrectly reported that I owe them money. I sent multiple letters to all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have had my credit report frozen with equifax for numerous years. I needed to temporarily lift the freeze with equifax so that a business could run my credit report. Despite having logged into my online equifax account, I was unable to lift the freeze ( either temporarily or permanently ) through the website and directed to call customer service. On two occasions, the customer service representative at equifax tried to lift the freeze and was unable to do so. Ive been told that someone will get back to me about this issue within 72 hours but have yet to hear back. Meanwhile, my application will likely be closed due to not being able to run my credit report from equifax. I honestly dont know how this company can be trusted with our personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested Citibank to close my AAdvantage Platinum Select World Elite MasterCard account ( # XXXX ) in XX/XX/2021. I have called Citibank multiple times and either not received an answer or have been placed on hold for an interminable time. My account is still open I want the account closed.

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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Mailed a cashier 's check/ certified check by XXXX  XXXX to said Realtor- for home repairs and was not a REALTOR! 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for {$31000.00} and {$100.00} XXXX XXXX  I called immediately to Navy Federal -- -- -- Spoke with Fraud agent XXXX and waiting for papers to be sent to me! Happened on XX/XX/21. Please help get this person -- -- -- -- -- -- - Fraud agents said was picked up at another address? This was out of XXXX XXXX account. Pkg ID : XXXX Tracking # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Filed out a FTC Report, For inquires That don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: U.S. BANCORP
State: DE

Complaint narrative:
Around 2013 several bank accounts and credit cards were opened under my name at Webster Bank without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.

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 2021-07-26 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2021-07-26 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: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: WI

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They keep logging me off and keep my account inactive because of fraud which there is no fraud. I log into my account to try to transfer money or get money out and it says to give them a call I give the fraud department a call and they said that they can't validate my account even though I have every question right security question and everything they said I can't validate my account because my phone number I went back and switched my phone number to the old phone number so I can try something and they said now that the old number is not valid and I since I updated a new number they have to wait I am stuck outside of town sleeping in my car with no food no gas and no money to get medication because these idiots won't help me and they just hang up after a while how what kind of customer service is that they just hang up on their clients I switched over from XXXX XXXX XXXXXXXX because of what's going on XXXX XXXX XXXXXXXX and Citibank is pretty much as worse as XXXX XXXX XXXXXXXX this is ridiculous my money is stuck in there they're holding my money hostage and I can't pay for anything I can't use my money I can't use my card.they are super XXXX and I don't know how MasterCard can have business with them. Stay away from Citibank they are the worst believe me do not put your money in there you have such a headache so much stress it is not worth it keep your money away from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
Filed out a FTC Report, For inquires That don't belong to me.

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit showed up on my credit report. The report states that I opened an account with them XX/XX/XXXX for a credit loan of {$1500.00}. The report also states that the account is derogatory. I have never heard or opened an account with Sunrise Credit. The account with Sunrise credit, among numerous others, is not mine. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: WI

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
Debt Collector is trying to collect on a debt that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Around 2013 several bank accounts and credit cards were opened under my name at XXXX XXXX  without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
from XXXX, collection company is trying to collect for an amount ~XXXX ... the collection letters do not give me any information about what the bill is for ... no doctor name, no medical procedure code ... 
i paid my out-of-pocket maximum with XXXX  in XXXX ... 
i tried to contact the collection company for information but they were not cooperative ... 
i did my due diligence, contacting hospitals and getting confirmation from them that i do not owe them any money ... 
i sent such letter explaining this to collection agency with no reply from them ... 

i feel that this is illegal business practice, and am very angry now because this company has affected my credit rating ... how they have legal right to do so? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX creditor account no : XXXX collection account no : XXXX amount due ( with interest ) XXXX note : i am at new address now ... the address of the collection letter sent to was my previous apartment : XXXX XXXX XXXX XXXX XXXX  ca 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 2021-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NJ

Complaint narrative:
XXXX XXXX opened XX/XX/XXXX XXXX..account is not mine already filed for identify theft .. they told me it would be off my report in 60 days..its off my XXXX but not XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2021 I sent a debt validation to Experian via XXXX. I waited 45 days and did not receive a response. I began to get worried because this situation was putting a strain on my finances. XX/XX/2021 I sent a follow up letter via XXXX stating that under Federal Law, they are required to complete and notify me of their investigation results within 30 days, which I have given them an additional 15 days due to COVID. Now XX/XX/2021 and they have failed to provide me with a response.

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX Bank of America Closed my checking account ending in # XXXX because of the many Federal Government filed complaints. 
Bank of America was charging me fees. I was in the process of contacting XXXX  XXXX XXXX XXXX XXXX XXXX to have my Lifetime XXXX Retirement Pension in to my new account with Bank of America starting XXXX XXXX. 

Unfortunately, Bank of America Closed my account and Retaliated and Discriminated against me because of my XXXX and my XXXX XXXX as a XXXX XXXX  American. 
I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran. 
I need my account open with Bank of America so I can have my checking account and have my XXXX Pension going into my account starting XXXX XXXX. 

Did Bank of America violated my ADA XXXX Civil Rights Act under Department of Justice.? 

Bank of America didn't send me no letter that they was going to close my account and there was no reasons for Bank of America to close my account.

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 2021-07-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent to Experian unauthorized inquires which are still reporting on my credit report. I am fully aware that inquires remain on your report for 2 years, the problem is, that I did not authorize and they need to be removed immediately. 

.There are inquires showing on my credit report that I did not authorize. XXXXXXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation