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

Complaint narrative:
After looking over my credit report, I noticed inquires that I knew nothing about. I mailed Equifax a letter on XX/XX/2021 asking them to investigate these inquires. They mailed me back a letter stating they are factual. I tried to call to find out how and was not able to speak with someone and was given a fax number through their auto system. I faxed them a letter on XX/XX/2021 asking how these inquires where verified. I received another letter from them stating it was factual but no information as to how it was verified. I called again and was not able to speak with someone and was given a fax number. I faxed in another letter asking them to please inform me on how these inquires were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
Ive disputed XXXX XXXX home mortgage previously and hasnt been properly reviewed by the bureau I havent opened an account with them on XXXX XXXX as stated in my report please remove or show me where and how this information is verified to be correct. This information was verified by XXXX  also XXXX  to not be mine after review but for some reason you continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
after reviewing a statement of my credit card charges I saw a number of charges to XXXX. I knew these couldn't be correct since I don't have an XXXX account nor have I bought anything from XXXX in at least 15 years. 
I called Bank of America and told them about the fraudulent use of my card and asked for a new one. They then checked and found aprox {$1500.00} XXXX charges going back several months. the charges had been small and hidden over several months up until the last month where there was 3-5 charges a day ... very obvious. If the criminals hadn't jumped up the charges to 3-5 a day I might not have seen them.

So BOA started a fraud " investigation '' but in reality they just looked at their contract and saw I only had 2 months to report fraud charges on my card, or two billing cycles as they call it. so that's where the " investigation '' ended and they simply dropped it and said no you don't get this as fraud.

so I called them and they explained this absurd situation to me. I then said well there is at least two billing cycles in there that can be valid fraud. why cant we submit for those two cycles ( XXXX XXXX XX/XX/XXXX )? The person I talked to said no they wont do that because the fraud is all one case dated back to XXXX of XXXX. I was told they wont separate the fraud into two claims. SHE PATIENTLY TOLD ME THERE WAS NOTHING I COULD DO BUT BASICLY PAY THE FRAUDUANT CHARGES AND BE DONE WITH IT.

So they didn't do an Investigation. they don't care that it was fraud unless they can use it to make me pay for charges I didn't make, they wont work with me to separate out the two, by contract cycles of fraud.This is why so much Fraud happens. the trash gets away with it. BOA has no interest in helping the consumer ever since they " transitioned ''. There is no reason not to separate out the charges that are contract viable. They just don't feel its worth their time. So what if it cost a consumer hard earned cash, no problem for them right? And BOA gets to charge more interest on all those fraud charges so it a win/win for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX EXXXX XXXX XXXXXXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: PA

Complaint narrative:
Eppicard of PA has numerous consumer complaints and ABSOLUTELY NOTHING IS BEING DONE!! I HAVE charges months ago I didn't make or know about and several other people are saying the same thing! 
I even escalated it to a supervisor and promised I would get a call in 48hrs and of course I didn't which was 3wks ago.

I called back 2wks ago and all they did was apologize but still didn't help.

I need to take out my money now because for so many people with the same issue, something is very wrong and I think its embezzlement but something needs to be done now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2021, my Mastercard account was charged for a XXXX delivery in XXXX NY that I did not accept and did not authorize. I disputed the charge through the normal process. I explained that I was not in XXXX on the referenced date and did not authorize the charge. 

Mastercard sent me a form to fill out and a copy of the receipt for the transaction in the US Mail. It was to be returned NLT XX/XX/2021. I completed the form and mailed it back on XX/XX/2021. 

On XX/XX/2021, Mastercard informed me that based on its investigation of the facts of the case, it had determined that I was responsible for the charge.

There is no way that Mastercard could have received the form I returned to them by US Mail on Monday, XX/XX/XXXX, a postal holiday, by today, Wednesday, XX/XX/XXXX. They never investigated my whereabouts on the date of the delivery ; who accepted it ; whether said person who accepted it has any connection to me. Mastercard 's " investigation '' consisted of nothing more than obtaining a receipt from XXXX for the food that was ordered from XXXX 's. 

Obviously, someone obtained my Mastercard information nefariously and used it to place an order through XXXX fraudulently. I am confident that I am not the only one victimized by this scam.

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 monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a welcome letter from PENFED notifying me that an account was opened. The letter had a member ID # as well as personal info such as my full name, SSN, Home address and date birth ... I immediately called the bank to report this as a fraud since I never opened any accounts with this bank. I was told that their security/fraud team will look into the matter and that as of now the process is frozen so no further action is needed and no one should be leveraging that account. A couple of days later I received a debit card from the bank! I called back to see what's going but the agent did not have any information in their system about my initial call and was not able to track my claim. As of now I'm not getting much assistance from their customer service. I'm not sure if this is a case of identity fraud or banks opening accounts without customer consent but I need some definite answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I had an outstanding balance on my XXXX XXXX card and I called to get the total owed so I could pay and close the account. I was given the total amount and I transferred money and had the account closed. 
The following month I had statement that my debt was paid late and therefore had a late fee of {$35.00} owed. 
I called them back and said I had called and they gave me the total amount that I owed and paid off. I did not understand where a late fee was coming from. 
Since then they have been sending statements every month even though the account is closed and tagging an additional {$35.00} late fee. Now they say I owe them {$350.00}. 

I tried calling them again this morning to try and resolve this but they were adamant and the customer rep will not even let me speak with a supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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

Complaint narrative:
I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX  ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.

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

Complaint narrative:
The 3 credit bureaus XXXX XXXX and XXXX, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GreenSky, LLC
State: CA

Complaint narrative:
On XX/XX/2021 entered into contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. They offered me a no interest loan with Green Sky, XXXX XXXX XXXX, XXXX, Ga XXXX. The offer was for 0 interest for 12 months. 
My contract with XXXX XXXX XXXX XXXX states that final payment would be due at substantial completion of projects. XXXX XXXX & XXXX charged my Green Sky loan on XX/XX/2021. I immediately called Green Sky and told them that charges should not be made because I did not authorize payment and I had not received merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXX loan/ account was opened in XXXX of XXXX and set up on auto-pay. Payments have been withdrawn from my account every month in accordance with the schedule they established. I recently noticed that they reported a delinquency as of XX/XX/XXXX, yet the account is showing as " current '' in the portal, and all payments have been made on time. I called the customer care department and they confirmed " nothing was wrong with the account '' as all payments had been made on time. They're not sure why it's reporting the way it is, and I'm not sure how to move forward at this point because the issue tanked my credit score by over 50 points. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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

Complaint narrative:
I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have informed all 3 credit bureaus about this loan I did not open under the creditor " Marcus by Goldman Sachs ''. This account was opened in XXXX for $ XXXX in XXXX. After speaking with Marcus by Goldman Sachs I was informed that the account was 1 ) Opened Online 2 ) Never had a payment made on it 3 ) Was not acquired/signed for in person. Therefore there is no proof I ever received this. My credit has been exemplary and this account blemish has brought my credit down from XXXX to XXXX. My credit line has never shown a personal loan like this and I have been on time with everything. 

I submitted an original FTC complaint XXXX on XX/XX/XXXX and in coordination with XXXX  and communicating with Goldman Sachs they acknowledged this was most likely fraud and removed the error, this was resolved back in XXXX. On XX/XX/XXXX the disputed account popped back up. Dropping my credit score yet again. 

Marcus by Goldman Sachs needs to own their error and stop punishing those who did not open a credit line with them. The only credit line I ever had with Goldman Sachs was an XXXX XXXX which I always paid on time and they forcibly closed on me as retaliation after I submitted the fraudulent report on the unrelated Marcus by Goldman Sachs. 

This is the 2nd time I'm having to deal with them. Please help me get their fraudulent writeoff off my credit report.

Company response to consumer: Closed with explanation