vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
These accounts are reported with a lot of missing information. I would like them be removed from my report as soon as possible because it is really affecting my credit scores. I am wondering why you are allowing these kind of accounts being reporting in one 's file. This is unfair and very frustrating. Please help me out with them and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been using American Express XXXX XXXX since XXXX. However, on XX/XX/XXXX the bank lowered my credit balance without any notification after I used it to make a purchase online for {$7000.00} online. The merchant returned the transaction as failed due to the fact that American Express lowered my credit balance from XXXX to XXXX with a balance on it. I have made all my payments on time and had enough credit available before the bank decided to lower my credit balance without notice. I had an error on my credit bureau account which I have filed a dispute against. The bank cited that as a reason to lower my available credit. This has caused me undue hardship to make a financial transaction in spite of being a 100 % on-time customer with this bank. Moreover I am currently stationed on XXXX XXXX when they lowered my credit ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: AZ

Complaint narrative:
Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-08 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: AZ

Complaint narrative:
XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: AZ

Complaint narrative:
XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates of Maui, LTD
State: HI

Complaint narrative:
I was contacted mid last year from a random number that would not advise what company they were calling from until I verified myself. I did not because based off of the fair collections act they have to introduce themselves. I then disconnected the line. I later in the year reviewed my credit report and found a collection from XXXX XXXX. I called them and asked what it was about and why they had not contacted me, the account agent then said he did. I then recognized his voice as the person who did not want to say what company he was representing. He then advised that he did not have to say the company until I verified myself, which I knew was not the case. I later advised his supervisor or my issues, who said they would review and no one got back to me. He advised that they are supposed to say the name. I paid the debt because he advised he would handle the issues. All calls are recorded is what they said and they would review. I called today and requested the same supervisor and was transferred to the agent who again stated he only told me his name and not the company. I left a voicemail for the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank
State: OH

Complaint narrative:
On XX/XX/2021 I contacted First Progress in an attempt resolve my issue concerning the inability to access my online account. After over 3 calls to their customer service reps, who were ALL very rude and discourteous, I was repeatedly told to " follow the steps ''. 

I tried accessing my account using the " Create A New Account '' option I was instructed to use SEVERAL times. Each time I received the same outcome - not being able to access my online account. 

All I want is to do is to be able to access my online account and this company REFUSES to assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity Properties Inc.
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/21 I tried to unfreeze my credit report on both the XXXX and Equifax websites. I went through many, many hoops. For XXXX I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. Equifax insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the 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 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had {$7000.00} transfer from my savings to my account then transferred to a personal account without my consent. My bank did a investigation on this dispute and determined no error occurred, case closed. XXXX they can do more with this investigation or at least refund the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: ID Analytics, Inc.
State: VA

Complaint narrative:
-Improper use of your report ( shared without consent, credit inquiries from unknown sources ) -Unable to get your credit report or credit score -Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) I have been working on my credit for the past year and a half and I am very proud to say that credit score for all three credit bureaus have really jumped up into the high 600 's. However every time I apply for a car loan I am denied. It is due to the company Sage Stream LLC reporting incorrect information and saying that my credit score is only XXXX. This is very disappointing and unprofessional as they say they work very closely with the three major credit bureaus however the information the release of me does not reflect that and it is causing damage and false information on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Early warning XXXX refuses to send me my consumer reportI was. I was lied to multiple times by multiple representatives. I will never call that place again because I do not feel comfortable giving my personal information to proven Liars. Two Representatives refused to get a supervisor. they refused to contact the department where I sent the faxes. they sent me a letter claiming that the id copy was smudged and that I should call them or resend the fax. 
This is more of an inconvenience and insult because they clearly saw the attachments that I provided with my first cfpb complaint # XXXX where My identification was clear. 
I faxed them yesterday a request for them to send me my Consumer Report. They have had the attachment of my identification for a week yet they still refuse to send me my consumer report. again, I do not feel comfortable calling them or faxing them anything else regarding me because I was lied to and I can prove it. they should send me my Consumer Report because they clearly see my identification and I will attach it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the 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 non-monetary relief
Consumer complaint received 2021-04-08 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: NY

Complaint narrative:
I just got in the mail checks from TD bank and I have never opened an account with them. The name and address on the account is me, but the phone number is one I've never seen. I've been trying to get through to TD bank but their customer service requires me to have an account to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to Citibank, yet Citibank is not removing this fraudulent account. Citibank has no right to refuse to remove this fraudulent account because I am a victim of identity theft. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet Citibank has refused to do this. The following is the fraudulent account : Citibank / 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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At the begining of XXXX. I reviewed my Experian report and noticed that i had multiple old address attached to my profile. Subsequently i called Experian for them remove my old out dated addresses. As a result of that call they removed all of the addresses associated with the profile including my current address. I then called in to have them reinstate my current address in which they requested i provide an id with said address on it. I uploaded a photo copy of my id to the experian online submission portal on XX/XX/XXXX. After uploading the document i called Experian back the same day to confirmed they recieved the document and the representative stated that the information will be reviewed and processed between XXXX. 

Subsequently i checked my credit profile XXXX later. To my dismay i realized they added my current address but it was not 100 % accurate. An apartment number was added to my current address that was apart of my old address. Simply put my address is a private house and does not have any apartment number attached to it. So i called in to Experian again to have them fix the address. I spoke to the representative and they stated again that it would take XXXX to proccess the request. I waited the alotted time frame and to my disbelief the whole address was deleted again and i have been trying to add my address every since. Every customer service rep i spoke to told me that they would proccess my request XXXX. So waitied XXXX  days at a time inbetween weekend and holidays here i am unable to get my credit report months later because no address is attached to my profile. 

The dates/report numbers of my correspondence are below : XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # XXXX XX/XX/XXXX report # 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 2021-04-08 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: TN

Complaint narrative:
Your XXXX XXXX|FlC0 REP0RTXXXX - Two Suspicious Transactions, FIagged. ResoIve By, XX/XX/XXXX XXXX : XXXX Received the above message at XXXX XXXX on XX/XX/XXXX. CaLLED EQUIFAX AND THEY SAID IT WAS A SCAM/. Wish you could catch these people ... it is scary. 

This is not the fault of Equifax but whomever is impersonating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My Equifax credit report was shared with third parties in XXXX XXXX without my consent and permission. All financial data ( social security numbers, account data, personal history ) was exported abroad to call centers in XXXX XXXX. The customer service representatives refused to help or update my credit repot. The credit score is the lowest of all credit reports and vary across different services ( XXXX, XXXX ). Compared to XXXX  ( XXXX ) and XXXX  ( XXXX ) the Equifax credit score is the lowest. They dont update monthly payments, which ultimately hurt my FICO score. Im concern about identity theft with Equifax. Last year, a customer service scammer claimed to work for Equifax. He begged me to buy a family membership to include third parties. I told him I didnt have dependents or family associated with my financial accounts. Months later, I was called from scammers telling me that my social security was at risk and had to confiscate it and I had to pay money. I had to file a police report. Not only is Equifax plagued by identity theft issues. My credit score falls behind 80 points because they dont update my credit history on a monthly basis. I told Equifax to stop exporting my data abroad to XXXX XXXX call centers, and provide customer service from the U.S. As a consumer, I deserve to have federal law monitor any security risks that Equifax could pose to my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I went to M & T bank and took out a XXXX XXXX account. I change it to my nephew name XXXX XXXX. In 2020 I put it back in name. My name is XXXX XXXX. I called M & t bank and XXXX XXXX and I never got through to the XXXX number or response from XXXX XXXX. My nephew recieved a 1099-R from the XXXX XXXX I brought from M & T bank saying he took out {$8.00}. He never took out any money from the XXXX XXXX XXXX. They are lying. M & T bank gave me the same number. XXXX XXXX gave meXXXX. The 1099-R should be in my name because it has changed to my name and no money was taken out by me or my nephew. He will be unable to get a refunf because the lie XXXX XXXX I brought from M & t bank saying my nephew took out money. They said he took a taxable amount. They say {$8400.00}. Please help to get this matter fixed..

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation