vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 2021-12-29 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I called Citizens Bank on XX/XX/XXXX to notify them that I would be unemployed after XXXX XXXX because I was moving back home to XXXX from Texas to assist with the care of my great grandfather ( who is also the cosigner for my loan ). He is currently in a nursing home and doesn't have extra income to help me with payments. 

I was told on that initial call that I needed to pay the rest of my late payment, and then I would qualify for forbearance and to call back the next day to initiate the process. I called back the next day after making the payment, and submitted my application through the representative on the phone. I was told I'd receive an update between 5-10 business days. 

I called again on XXXX XXXX after 7 business days because I noticed my account had not been put into forbearance or deferment. The representative resubmitted the application on that day after I gave them the same information. 

I called again the following week prior to the holiday to get an update, and was told that my request was still processing. 

I have received numerous email notices about my late payment which I can not pay because I no longer have an income. I have not received any paper notices in the mail about the decision or application confirmation or any email notices or updates about my forbearance/deferment decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: VI

Complaint narrative:
I advised Discover card that I was in a XXXX  XXXX and couldn't make payments. I provided the rep my forwarding address. There was some fraud charges on the card and the fraud department refused to take my report. After they charged off the card I asked for a settlement. I wasn't working then and my only income is social security XXXX. At the time they want me to pay XXXX. I can only pay XXXX in total with payment arrangements. 


Also, I want to know the status of the account, when it was charged off and if it's time barred?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I received alerts that my score has went down tremendously. I contact the consumer reporting agency to figure out what was going on. I sent a CFPB complaint prior months and my response was that the information wasnt reporting on my consumer report. I have been hung up on. It seems that I can not access to anyone on the phone and when I am speaking to someone they make it seems as if they cant hear but I know that it is bs. I have been treated unfairly and discrimination. I feel attacked and I have several pre recorded calls with me an agents talking and them telling me awful bullying words. I will litigate and file a civil law suit due to discrimination, bullying, privacy of my rights on my personal information, no consent given to consumer reporting agency, which did not interview anyone, reporting false information. My record indicates that several times this consumer reporting agency was able to create false lies. CFPB allowed consumer reporting agency to lie and create this malice to my consumer report causing Defamation trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. XXXX and XXXX and XXXX XXXX  isnt worth {$1000.00}. I demand compensation for my health time and interest for the terms that this information was reporting onto my consumer report without my consent. Not giving consent is fraud. I did not give any consent. I did not give any consent.

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 2021-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: LA

Complaint narrative:
I bought a paypal prepaid card at a XXXX XXXX I loaded XXXX usd on to the card. When i proceeded to activate the card online, the website gave me a different phone number to call than the one on the back of the card. ( which i had already called and received a one time link text to my phone to get to the website to activate the card ). So i called the new number because apparently there was a problem activating the card. Net spend answers my call with an automated service. I went thru the process and gave them my info. They transfered me to an associate who proceeded to tell me that since i had an XXXX NETSPEND card that had been canceled due to me using it for business purposes which is apparently strictly forbidden, that i could no longer use the netspend services and would have to wait 10 -25 days to receive a check for reimbursement. The check never came. The peculiar thing is, i have a paypal account that i use everyday on my phone which is why i bought that particular card thinking i could transfer immediately to pay a bill. This has been over two and a half or more months. The bill didnt get paid and i subsequently lost a job due to the fact that i was locked out of my storage building ( where i house my tools for my business ) all because paypal prepaid or netspend or whoever thinks they can just hold your money without a legitimate cause. What if this was a gift card i was giving to someoneelse. There has to be a law broken here i lost XXXX dollars to another subcontractor on a federal government job due to this and i needed that money. I still work for XXXX XXXX XXXX XXXX XXXX  but i lost that job and that has really set me back and i still havent caught up. Ruined XXXX  and XXXX and the new year and my relationship.

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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
I had an account with Coinbase Global IncXXXX since XXXX. The last time I logged into my account was XX/XX/XXXX. The last time I attempted to log into my account was on or about XX/XX/XXXX. The email I use for the account is no longer recognized. I have filed an online complaint through the Coinbase website. After sending the complaint there is a notice that indicated there is a high volume of requests and they will contact me when they can and not to submit another request. I have not been contacted by Coinbase to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
An associate of mine stole my personal and banking info and opened up fraudulent accounts in my name. He took out a total of 5pay day loans within24 hours. And opened credit accounts 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 explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to log into my HSBC account only to see I was unable to log in and getting an error being told to contact customer service. Upon contacting them I was told something about the account being closed and I would need to call again today XX/XX/XXXX to see if they were closing my account. I have been unable to transfer my balance to a different account or do any transactions with my account causing missed payments on some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I did not have access to my account. When I finally had access to review my balance it was not the correct balance. I canceled card and filed a claim. It was over XXXX missing from my account. They closed the claim and said they would not be returning my money. I proceeded to go to file complaints with the police department. Wells Fargo is now saying they are sending it up to the executive office. I do not believe they will return my money. I believe it's just a stalling tactic. This money was directly deposited to the account from a government XXXX competition I receive from the military as I was an American soldier. They have insurance to cover this and still have not returned my money. I'm actually having to live in a XXXX XXXX at this very moment because they allowed my former boyfriend to steal my money. He beat me XXXX XXXX and mentally abused me for years. Now they allowed him to steal my money and cause me to live in a XXXX XXXX because I don't have my XXXX money.

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 2021-12-29 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: IL

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-29 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: IL

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed a hard inquiry on my credit report by XXXX XXXX XXXX that was not from my activity. I immediately contacted Experian, through whom, contacted XXXX XXXXXXXX XXXX. They were not able to locate the account since looking up my name and social didn't not bring up any record. On XX/XX/XXXX, I noticed that a new account was open on XX/XX/XXXX by XXXX XXXX XXXX, again, not from my activity. I once again contacted Experian and filed a dispute. I also talked to XXXX XXXXXXXX XXXX, where they compared my information with the information of the account on file and told me that it was a different person ( the person has a similar but different name, different phone number, however, I lived on the same street that they are living right now, they also opened the account without a social security number and used a passport, it was not my passport information, they used their XXXX ID as well, where I was also a student and had an ID but XXXX  XXXX XXXX compared the information and told me that it wasn't the same ) and I'd have to dispute with Experian. So now I know it wasn't identity theft and a mistake on the credit bureau. However, I received the dispute result and it says that XXXX  XXXX XXXX confirmed that the information was accurate. In addition, they added this person 's address to my report ( it is a dorm building i once lived in but I didn't live in the same room, now they added this one to my report as well ) as well as changed my birth year on my credit report to match this person 's. I tried to update the dispute by adding more documents but was not able to. I am not even able to open a dispute to change the year of birth or remove the street address.

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 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I DO NOT OWE DEPARTMENT STORES NATIONAL BANK. THEY DID NOT SERVE ME A PROPER NOTIFACTION OF A COURT ORDER. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS COMPANY WAS NOT ABLE TO SHOW PROOF OF ORGINAL CONTRACT TO THE JUDGE.

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 2021-12-29 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: MN

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation