vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-20 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:
I have submitted my FTC report for XXXX XXXX XXXX and XXXX XXXX XXXX, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/2020 charged {$29.00} late fee after a representative advised me the company was not charging late fees during the Covid-19 Pandemic. They were also aware I lost my job due to the Covid-19 Pandemic.

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 2020-05-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
EXPERIAN ILLEGALLY ATTEMPTED TO EXTRACT MONEY FROM MY OLD CREDIT CARD FOR SERVICES I DID NOT REQUEST. THEY WILL NOT LET ME ACCESS MY CREDIT REPORT AND I AM UNABLE TO CONTACT THEM TO INFORM THEM. 

EXPERIAN PUT AN ILLEGAL VICTIM STATEMENT ON MY REPORT. ( INCLUDED IN UPLOAD ) I DID NOT DO THIS AT NO POINT IN MY TIME. 
THE VICTIM STATEMENT HAS PREVENTED ME FROM OBTAINING CREDIT FROM SEVERAL DIFFERENT VENUES. 
ALL THIS IS ILLEGAL ACTIVITY BY EXPERIAN

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
This card company said they have sent out a card for my benefits and I have not received a card yet.still waiting on a card and it's been a month since my employer filed claims on my behalf. Still waiting on the card so I can use it. XX/XX/XXXX will be two months. Can someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: OH

Complaint narrative:
XXXX XXXX # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH 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 2020-05-20 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: AR

Complaint narrative:
Its been over 30 days and yet Transunion and XXXX still have fraudulent remaining accounts reporting on my credit file. Both Transunion and XXXX did remove some of the accounts from my identity theft report except for US Dept Ed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. In addition there are many addresses that I requested to be removed that are currently displaying as well as several different dates for date ( opened ) for each of those accounts which is inaccurate in itself. I was sure to include these accounts my identity theft report so I'm not sure why they are still showing up. Goods or money were never received by myself in relation to these accounts. I continue to be denied credit due these circumstances of which I am not at fault. I also requested a fraud to prevent this in the future. I am aware of rights under the FCRA and FACTA sections 605b, 609, 611, and 623. I expect for XXXX and Transunion to adhere or face litigation.

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 2020-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company PORTFOLIO RECOVERY which I hold NO CONTRACT with has continued to call and harass me 5-8 times a day trying to collect a debt I DO NOT OWE! They have put these collections against my SSN in the amouth of {$710.00} & {$480.00} ( THERE ARE TWO ACCOUNTS ) I have asked for verification of these debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT BOTH ACCOUNTS BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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:
Hello, I have a complaint to the bank of citi bank, since 3 years ago I Applied for a secured credit card which made me make a deposit of XXXX dollars, which to date they have not wanted to return, they have sent me 2 letters telling me that they can not return it to me, and when i deposit it they tell me that within a year they will return it to me and it has not been so

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 2020-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CommonBond, Inc.
State: PA

Complaint narrative:
I applied for a loan to refinance my student loans with CommonBond on XX/XX/2020. I received confirmation via email. Since then I have not received a a result and have been asked for multiple information by them including adding a co-signer. I have not received an answer to them since XX/XX/2020 regarding if I was approved, a loan rate, or anything. I have contacted them via email multiple times and via phone. 

CommonBond asked me to add a cosigner 4 days later on XX/XX/2020. I was back and forth with them by them stating that my co-signer put the wrong income amount. When they sent two years of tax returns they stated they could only verify a wrong amount. When I looked at the tax returns and it was more than half of what is listed on the tax return. They did not reply to any emails that I sent after this. I have attached all of my communication with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've sent the following message to U.S. Bank several times about a wire fraud committed almost a year ago and U.S. Bank has not cooperated with my bank ( XXXX XXXX XXXX ) in the investigation efforts. I've even been in touch with XXXX 's executive office to escalate this issue and XXXX persists that U.S. Bank has not responded or cooperated : I am contacting you in hopes of escalating my recall case to reclaim {$12000.00} made in a wire transfer, on XX/XX/2019, from my XXXX XXXX XXXX account to a fraudulent US Bank account. Unfortunately, the reason for the recall is that I've been a victim of a wire scam and possible identity theft. 

The details of the crime, involving the impersonation of the FBI and local police, are documented in the following ( and attached ) : Police report ( XXXX XXXX Police Department ) : Case # XXXX FBI ( ic3.gov ) : attached FTC : Report # XXXX Consumer Financial Protection Bureau : Complaint # XXXX XXXX XXXX XXXX Recall : Case # XXXX ) This is the fraudulent US Bank account information ( the wire transfer receipt is attached ) : Beneficiary Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX In my recovery efforts, I contacted XXXX as well as US Bank on the same day of the wire transfer to stop the transfer while it was still pending. US Bank representatives would not speak to me in detail because I am not a customer but did inform me that the recipient account had already been flagged for fraudulent activity and added a note to freeze the wire transfer funds. XXXX opened a recall case ( Case # XXXX ) to reclaim the funds. 

US Bank responded to XXXX on XX/XX/XXXX requesting a hold harmless letter, which XXXX is in the process of approving right now. XXXX informed me that after the hold harmless letter is sent to US Bank, I would have to wait 30-90 days for US Bank to make a decision on the recall. 

I trust the integrity of US Bank to not accept wire transfers to a fraudulent account that was already flagged. I hope you can help escalate the recovery of my funds ( {$12000.00} ) as soon as possible. I worry that the longer this process takes, the more time the criminal ( s ) have to move the funds. My case is currently under investigation by the XXXX XXXX Special Victims Unit and if XXXX and US Bank can not help resolve the issue, my next step is to take legal action.

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 2020-05-20 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: GA

Complaint narrative:
I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY 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 2020-05-20 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: GA

Complaint narrative:
I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY 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 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This company CREDENCE RESOURCE MANAGEMENT which I hold NO CONTRACT has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1500.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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, 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 2020-05-20 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: GA

Complaint narrative:
I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: RateGenius Loan Services Inc
State: MD

Complaint narrative:
I went on the Rate Genius website to inquire about refinancing a car loan on XX/XX/2020. I was requesting information on their rates and process. I entered my contact information which did not include my SSN. A couple of days later, I received an email that I had been approved for a loan. I never applied for a loan. I reached out to the company and was told that they had the right to pull my credit based on me reaching out to them for the inquiry. I do not understand how this is proper or fair to the consumer. This seems like the same unscrupulous behavior that caused problems for XXXX XXXX. The inquiry should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I receive a check from XXXX XXXX University for XXXX a stipend for school. I have always deposited my stipend checks into this account. I have never had a issue. I received a email stating that my deposit will be held 7 days due to the check may not cover withdrawals. This is offensive to me, I work hard and has made multiple deposits with Bank of America and has never falsified a check into my personal account or any account. I have a mortgage and a newborn to feed in order to keep a roof over our head. I will be closing out my account. This check was issued from Bank of America, so I dont understand why my check is being held 7 days. Per banking policy, Next Business Day Deposits Most banks say that they generally make funds available on the business day after you make a deposit, but there are exceptions. Cash deposits made to a bank employee must be made available within one business day ( business days are weekdays that are not holidays ), and those deposits are often available immediately. Certain types of checks must also be available in one business day:2 Official bank checks like cashiers checks Checks issued by the U.S. Treasury ( such as your tax refund or Social Security ) Checks for {$200.00} or less Checks drawn on the same bank that youre depositing to USPS money orders

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