vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2023 I went to a restaurant, used my new Keybank debit card and my transaction was declined. I was very confused, but thought something was wrong with the activation of my new debit card. I had just activated it the day before. The next day, I called the local branch to see what had happened. I was told that my account was under investigation because a deposit was made from a XXXX account but the names didn't match up. This is simply because I use my business name for my XXXX, not my actual name. I had done this for four years with my prior account that was at the same bank, without incident. The deposit amount was very small ( five cents ) because it was a standard verification deposit that is done whenever someone links a XXXX account to a new debit card or checking account. I was told that if I came into the branch and showed my ID, they would lift the restriction. Keep in mind, at this time, I was unable to even log into my online banking to see the status of the account or how much money I had. When I went to the branch to show my ID, they told me they were unable to lift the restriction. They called the fraud department and the person who flagged my account refused to lift the restriction even though I was at the branch showing my ID and saying that it was okay, there was no fraud going on. I was told that it could take up to ten business days for them to decide what they wanted to do about the situation. I would have no access at all to my account or my money for ten business days. I was devastated. The next day I directly called the fraud department at Keybank, spent 44 minutes on the phone with them, and was told the same thing. They also said that it was entirely up to this one man ( the man who flagged my account in the first place ) to lift the restriction. I feel financially violated, disgusted, and that this whole situation was a huge breech of trust. I don't see how what they are doing here could possibly be ethical or legal. As it stands, I still have no access at all to my account, my funds, and no clue when the situation will be resolved. It feels like my account was hijacked by Keybank and that nobody will help me. I highly discourage anyone from using or trusting this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ive tried more than 6 times disputing these facts with Experian but they arent completely comprehending XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
1. First issue is with XXXX XXXX XXXX. I accepted an offer to close my account if I agreed to pay the balance less late fees within 60 days. This agreement would require them to not report any derogatory remarks on my credit report unless I didn't pay the amount due in full within 60 days. They closed the account, and reported it with late fees, still. 
2. Barclays card credit card. Initially opened for use by our organization. I was added on as an authorized user. However, the account owner refused to give us any access to these accounts and we were unable to verify that the monthly minimums were being paid timely. The account owner acted as if the physical cards were misplaced but we later learned from the credit card company that he had closed the accounts. The credit limits on the accounts was not maxed out, best to our knowledge. The card is now on my personal credit report as closed and delinquent. This is incorrect because I was added as an authorized user not the guarantor. I need to get this derogatory remark canceled.

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 2023-03-28 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:
For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the Equifax data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I have a federal student loan through Ed financial that is currently on pause due to Covid 19 relief efforts and it is showing on my credit report as late payment when I have not even had a payment due yet. I even have an email from Ed Financial stating it is still on pause due to Covid 19 relief and that payment is not yet due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I have a debt of {$10000.00} with radius global solution through XXXX XXXX XXXX. I have never used XXXX in my life. Ive been a victim of identity theft before & the police in XXXX TX police report number XXXX called me the other day say they did a raid on someone home and they had XXXX other people identity and I was one of them. This is the second time my identity has been stolen. I already contacted radius solution waiting for a fraud packet to fill out for them. I need to get this off my credit because this is not 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 2023-03-28 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: TX

Complaint narrative:
I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies.

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX CREDIT REPORT XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX, XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies.

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX CREDIT REPORT XXXX XX/XX/2022 XXXXXXXX CREDIT REPORT XXXX, XXXX XX/XX/2022 EQUIFAX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 EQUIFAX CREDIT REPORT XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
The SSI has already taken the debt of my deceased Father, XXXX XXXX XXXX, XXXX in the amount of {$1200.00}. I signed my name on a document at the Social Security Office. The representative explained that my signing the document was only if my father could not communicate.. in the event of a XXXX. After my father died, the Social Security Administration started harassing me stating that they sent out checks after my fathers death. The checks were cashed. I was not on my fathers bank account, nor did he and I live together. The Social Security Administration owed my father back pay as well. I spoke with countless representatives about this issue. The Social Security Administration took the money from my tax refund and then placed that debt in collections 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 2023-03-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : Account Number : 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 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recieved a Bank of America credit card in the mail to my home address in my madian name. It was was card opened or requested without my knowledge.

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo was over charging me and they closed my account due to fraud I had no consent of. I dont remember the specific dates but it was year 2020

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
Visa vanilla card has refused to credit back a return started on XXXX from XXXX who has confirmed that they have already sent the funds back to visa. For the past week visa has been lying to me about when the funds will be available its already last the days they have for the refund to process. I called today and spoke with a very nasty representative who refused to transfer me to his supervisor telling me they the supervisor would tell me the same thing and that it would be an additional 7 business days for my refund to credit back to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
In 2020 I acquired very high medical debts related to the Covid epidemic. I was informed by a debt lawyer that I could dispute the debt, but never received any notice of this debt until it was on my credit report. I tried several times to dispute it but the credit company is not offering me a fair dispute. I would like this removed immediately because it is an unfair debt that will not be paid. XXXX XXXX charged me for a helicopter ride to the farthest and largest hospital that was unjust, forcing a debt onto me. There was a smaller and well equipped hospital not even 10 miles away from the scene of my accident. I was fully aware and awake at the time of my incident, and they were legally obligated to verify with me my preferred form of travel to the hospital. Instead of a few XXXX for an ambulance, they chose the most expensive mode of transportation possible and stuck me with a $ XXXX debt for uneccessary and unauthorized mobile transport. The decision was made by someone else on my behalf and did not allow me any choice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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:
I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws.

There is information that appears on my consumer report that is a results of identity theft. I did not provide written permission or instructions for the identified alleged transactions to be reported on my consumer profile/report. I am requesting that the information listed herein be blocked and deleted.

THIS NOTICE IS TO INFORM YOU THAT YOU UNLAWFULLY REPORTED AND FURNISHED AN UNAUTHORIZED ACCOUNT TO MY CONSUMER CREDIT REPORT PROFILE.

This notice constitutes a request for compliance to aid in our investigation before an identity theft report can be provided I am requesting the aid of EQUIFAX to provide proof of authorization signed and acknowledged by furnisher of source that the disputed unverifiable accounts are permitted and not intercepted unlawfully in violation of my right of privacy and confidentiality.

Trafficking my nonpublic personal information without lawful authority, verified proof of claim, verbal or written consent as permission for Proof of consent of release of information is a violation of my right of privacy and confidentiality.

Please take notice that collection, use, disclosure, and protection of Social Security numbers is can only be authorized my me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Here is a list of credit card charges that I did not make with this bank. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} XXXX XXXX XXXX for {$19.00} XXXX. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 
XXXX. XXXX XXXX XXXX {$71.00} on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 
XXXX. On XX/XX/XXXX {$1.00} XXXX XXXX cc XXXX XXXX. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX XXXX. XX/XX/XXXX pymets XXXX {$30.00} Sales and service XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} XXXX. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 
XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} XXXX. And this last one is a transfer of {$2.00}, XXXX what is this about?

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 2023-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account on my XXXX that is not 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 2023-03-28 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: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2023 a debt validation along with a cease and desist was sent to Hunter Warfield. It was received and Delivered on XX/XX/2023. Certified mail. 

Hunter Warfield was instructed to cease communication from all mediums. Which included but not limited to phone calls, and email submissions, UNLESS they are providing ( XXXX ) to advise the consumer that the debt col- lectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt col- lector or creditor may invoke specified rem- edies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy pursuant to 15 usc 1692d ( c ).

Hunter Warfield has called me 5 times since the cease and desist has been received. They have also emailed me on XX/XX/2023. I have attached all proof and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My checking account was breached at Bank of America. Someone took XXXX out of it then is trying to open a new account on line in my name. We got the XXXX back. We have frozen our current accounts. I am custodian on my sons account. They got a debit card in my name for his account and withdrew XXXX with different transactions using XXXX and XXXX XXXX etc. It is being investigated by the fraud department. I will have my son file a report also.

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 2023-03-28 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: DE

Complaint narrative:
Transunion is willfully damaging my credit score by double reporting accounts and refusing to remove an account that was requested for deletion by the reporting company. I've attached email conversations from XXXX XXXX that show Transunion is aware that they are reporting my XXXX XXXX accounts in duplicate but have not fixed the issue yet. I've also attached an email from XXXX XXXX that details how they've asked Transunion to delete the reporting of their tradeline from my credit report but they have failed to do so. The other CRA 's have already removed this account as requested. There are also several inquiries on my credit report that I've reported as being fraudulent and not made by me and they refuse to remove them. If Transunion continues to refuse to comply, I will be filing suit for willful non-compliance and negligence. 


The following inquiries are fraudulent and were not made by me : 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 Please remove them from my report immediately in addition to the double reported accounts from XXXX XXXX and the account from XXXX XXXX which was requested by them to be removed.

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