vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 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: IL

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 XXXX 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 XXXX  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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Two bank accounts was opened in my name without my consent. 

XXXX XXXX and TD Bank approved the accounts to be opened without my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: IA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, XXXX Ref XXXX ( XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX balance XXXX ) Dear, Equifax On XXXX, I sent your company my letter with my FTC report regarding the fraudulent account ( s ) listed above outlining how your company has violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows. 
.15 usc 1681- ( a ) ( 1 ) .15 usc 1681- ( a ) ( 2 ). 15 usc 1681- a ( 3 ). 15 usc 1681- a ( 4 ). 15 usc 1681b. ( 2 ) .15 usc 1681c-2 And many more. For your convenience, I have attached the letter that I sent you before with this letter, your company responded XXXX alleging that the accounts in reference were verified. Now I am exercising my right under 15 1681i ( a ). I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them I also would like the name and the employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 usc 1681a ( e ) I am demanding the following :. Which neighbor did you speak with? 
. Which associate did you speak with? 
. Which friends did you speak with? 
. Which acquaintance of mine did you speak with? 
. Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time this information must be permanently removed from my consumer report. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding LLC At XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Has been sending me collection notices in the amount of XXXXthe collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( Loan XXXX ) appears on my Transunion, XXXX, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, Transunion, XXXX, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my Transunion, XXXX, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for 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 2022-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XX/XX/2022 Tried to make a deposit for a friend and the Teller asked AND required that I give them my ID. 
This will lead to Identity theft. 

At Bank of the West, XXXX XXXX branch. I complained to the Manager who wished me a " good day '' Took the deposit, unaccomplished, with 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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, the bank I opened an account with is chase bank, which is a checking account. This account was closed on XX/XX/2021. It has been more than a year so far, but I have not received the balance in my account. From XX/XX/2021, I will contact the bank 's customer service by phone every week, but The bank 's reply has been to make me wait and say that there will be a result next week, but so far, the bank 's reply has always been unclear. And they said i need to contact asset recovery department at Chase Bank, but there no phone number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Upon opening this account, it was understood that my account is an interest free account. In the very beginning, I was notified of the payment due date and immediately informed them that this date would not work for me. They agreed on a new date that was honored by both parties. I began submitting payments on the new agreed upon payment due date. I then received a late fee that was reversed. The next month, the payment was made XXXX  day prior to the due date and they charged another late fee. Even though they were aware of the date change, the fees from this point continued to add to a current three digit amount even though I have never been late nor have I missed a payment. Upon trying to resolve this issue, the personnel that I spoke with all said the same thing. I was told there was nothing they could do after the fees reached a three digit figure unless I spoke with a Vice President ( VP ) in which I did but even they were duplicating what was previously stated to me. Before our conversation could conclude, I had to cut it short due to commitments at my place of employment. I told the VP that I would call them back to conclude our conversation but after several attempts, my calls went unanswered. I then decided to contact Consumer Finance Protection Bureau for a possible solution or resolution. I have no intentions of paying them anything other than my agreed upon monthly payment. This account started in XXXX of XXXX, my scheduled payment amount is XXXX due on the XXXX of the month.

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that i have the right to privacy, 15 U.S.C. 1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without written instructions or consent.

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 2022-08-09 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: CA

Complaint narrative:
I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they 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 non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
in accordance with the fair credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy.

These Addresses do not belong on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been denied to extend my credit multiple times and then given high interest rates on loans due to the adverse action letters stating adverse items in equifax consumer report was the reason. 

Pursuant to 15 USC 1681 a ( 3 ) Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to ensure the consumer reporting agencies exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax report about me is unfair and impartial because I was never consulted to verify if the information was accurate or if I even wanted the information reported at all. Equifax has not exercised their responsibility as evidenced by hundreds of inquiries theyve allowed on my consumer report. The 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my rights to privacy, by reporting these accounts and inquiries without my consent and written instructions. These actions by Equifax are also violations of the Gramm-Leach-Billey Act, referenced by 15 USC 6801 and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Synovus Bank
State: CA

Complaint narrative:
I discovered that I had fraudulent charges on my First Digital MasterCard on Tuesday, XX/XX/2022. I also noticed the same day that my credit score had dropped due to overuse of my card. I then contacted the company via the number on the back of the card. They said that the card had been cancelled and they had mailed a packet to me to argue the charges but also said that I am responsible for all charges until the dispute had been settled. I was told by the number provided by the FTC that I am only responsible for non-disputed charges which was not mentioned by the XXXX XXXX representative. XXXX XXXX said that they have issued a new card but I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

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 XXXX XXXX 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 2022-08-09 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: IL

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 XXXX XXXX  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 2022-08-09 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: CA

Complaint narrative:
I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they 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 non-monetary relief
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I receive benefits for XXXX on a monthly basis and I have benen a customer of XXXX  with my financial institute. As explained and documented, I am a victim of stalking and identity theft which has been reported and investigated by law enforcement ; although confirmed and communicated with my institution ; protection from my account being controlled, intetcepted, of accommadated by the bank has not been provided. My account has been locked, the inability to transfer funds has been placed on the account, measures to view or secure my account is being prevented, access to such needed funds that I use for my monthly neccessities have been prevented from being retrieved. The bank is refusing to acknowledge the circumstances and they refuse to remove restrictions while hendering my ability to make further transactions on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am hoping that you can help me with my an issues I am having with a creditor. Possible Financial Inc account # XXXXThey are reporting that I still owe them {$76.00} which I do not. This has been paid since for almost a year now. I have been fighting with the credit bureaus to remove this balance. I have try calling Possible Financial at XXXX that is the number listed on the credit report. Well come to my surprise they do not take phone calls. How is someone to get ahold of a real person to discuss their account if they do not take phone calls? All I is the balance to be at XXXX. I have been trying to get this settled since XXXX of this year with no luck. Please help so I can purchase a home for my family and I.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.

Company response to consumer: Closed with explanation