vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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:
Equifax has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. XXXX will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: OH

Complaint narrative:
On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: OH

Complaint narrative:
On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: OH

Complaint narrative:
On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Contacted Equifax about my wrong date of birth. They said there was nothing that could be done about it. They were contacted XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I have no knlowledge of this original creditor. I have never lived in this city. I have had multiple fraudulent accounts appear on my credit report. I have had to call all 3 credit beaurus several times and place credit fraud alerts on my file as well contact the police. I now have to keep my credit files locked and a security freeze at all time. I just had fake names removed off my report. I asked for the addresss to these accounts as they are in XXXX Fl. I dont live there nor have I ever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I had someone break into my account and steal everything. I filled out a fraud form and the bank said it would take 10 business days to investigate. i am on business day XXXX, I still have no access, no money and when I call, I get XXXX help. I live paycheck to paycheck and have had to max out credit cards and borrow money because I can not get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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:
These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXXXXXX XXXX Never late XXXX XXXXXXXX XXXX XXXX Never Late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX  XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXX Account never late XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX  XXXX Account is fraud not mine XXXX XXXXXXXX XXXX  XXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX  XXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
date : XXXX amount : XXXX XXXX XXXX I put the money into the atm machine of Bank of America XXXX which ATM ID is XXXX, but it was jammed on the machine, and then I could not pull out that jammed money, and then machine was closed, so I could not do anything, so I reported this to the bank and then they said they would investigate this and would let me know. 
But after a month, they are saying they check the XXXX and they were seeing I put some money in, but they do not know how much it is and then they can not check the money amount, so they do not want to pay back to me. 
I do not know what I should do next. Please give us some advice.

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 2022-11-14 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: PNC Bank N.A.
State: OH

Complaint narrative:
My recent complaint was closed because the CFPB stated that my complaint was a duplicate, this is not a duplicate. This is a different/new transaction from what's being reported! 

I submitted a dispute with PNC bank because there was an unauthorized transaction on my account for {$100.00}. I received a letter in the mail stating that the investigation has been completed and the transaction was valid. PNC Bank has not provided me with any documentation that proves that this transaction was in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that a unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. PNC has not provided me with any of the requirements under this subsection. Please help assist in resolving this matter and having my funds returned back to me as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: IL

Complaint narrative:
This letter is in response to your recent claim that EQUIFAX verified the accounts they are reporting are accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please have the company provide the following : o The description of the procedure used to determine the accuracy and completeness of the information. 
o The name, address, and telephone number of each person contacted regarding this alleged account. 
o A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with their method of verification. 
The items in question are inaccurate and represent a very serious reporting error. They are listed below. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 


In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I called my student loan servicer ( Nelnet ) to ask when I needed to recertify my income-based repayment plan. I was advised I needed to recertify by XX/XX/XXXX. I was misinformed. My actual recertification date is XX/XX/XXXX because of government initiatives. In good faith, I recertified my income in XX/XX/XXXX. Now my payments are much higher than I can afford even though my income increased. I called Nelnet today ( XX/XX/XXXX ) asking what I could do. They said I can not cancel the recertification, even though they told me the wrong information. I would like to be put back on my old income-based repayment ( IBR ) since I was 1 ) misinformed and 2 ) there were no notifications ( emails, letters ) that I received regarding recertifying later than XXXX. I am willing to pay my student loans but would like to recertify my income at the actual assigned date in XX/XX/XXXX since Nelnet misinformed me. I want to be able to take advantage of the new XXXX coming in XXXX like the rest of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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 — Investigation took more than 30 days
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
Common wealth financial services continues to flag my account... 
They have continued to do this even after XXXX of there accounts was removed from my report ... .I need them to take this XXXX of my report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunset Management, Inc
State: PA

Complaint narrative:
Sunset Finance in XXXXXXXX XXXX. I have XXXX {$1000.00} personal loans that are not even 30 days behind and they have called my ex wife, mother, uncle, and ex father in law. Saying they need to get ahold of me about last money owed on a loan and I have told them I work XXXX XXXX to stop calling me and other family I am aware of what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX I was notified regarding possible fraud charges to my account. I contacted Barclays that day via phone and confirmed that there were in fact fraudulent charges on my account. I specifically flagged XXXX charge for {$44.00} that came through looking like a fake XXXX charge. Normal temporary XXXX charges show up as follows XXXX XXXX. This charge showed up as XXXX. I told the representative it was fraud on XX/XX/XXXX and she was negligent in flagging it. Therefore the charge went through to my account and I had to make XXXX additional calls only to be told to contact XXXX. That is not possible for a transaction that does not exist in my account. I provided a screenshot of what the charge looked like on XX/XX/XXXX. I also sent screenshots of my XXXX account - showing no such charge exists. I received a letter on XX/XX/XXXX saying that, after further review, they were not able to assist me in obtaining a credit to my account due to the following we were not provided the true nature of the dispute when first notified of the claim. This is 100 % untrue. I have been very clear from the beginning. I have had a credit card account with them XXXX and their customer service is getting worse and worse as well as their ability to stop fraudulent charges in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Collection account on my credit report.

Company asked if I needed help while dealing with Covid and then tripled my payments and charged my account off. 
Continental finance LL 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