vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX I learned a fraugulant credit card account was opened using my identity. 
I then contacted Bank of America and reported the fraud useing phone # XXXX Was able to get that account closed and asked to put fraud alert on. 
Then on XXXX XXXX I received a letter from Bank of America stating a credit card application had been approved and my new card should arrive in the next two weeks. 
Cotacted Bank of America and questioned new account for I had not applied for a credit card account. 
Found out both account were seperat insidences. 
first card opened on XXXX XXXX and second opened on XXXX XXXX. 
My complaint is why was another Credit Card Application approved after fraud had been reported on XXXX XXXX. 
Also refuse to give information as to who and how Applications were filled. 
Have filed Police Report, Federal Trade Commission. OIG report and 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 2022-09-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-09-17 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: GA

Complaint narrative:
I have disputed this account with Equifax numerous times and they keep telling me they do not see a dispute in process, however, when I try to dispute again, it says dispute in progress. I also advised Equifax that XXXX XXXX  is listed on my FTC Report and they keep insisting that it was not mentioned in the FTC report and they never received the report. I do not owe XXXX XXXX  any money. I have a fraud alert and freeze on my consumer reports for a reason. 

I have attached the FTC report AGAIN that Equifax claim they never received and clearly they can see XXXX  XXXX  was listed on the report filed since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I was checking my credit report today and noticed that this company had added and erroneous debt to my credit report in the amount of {$320.00}. I did not do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor XXXX Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type Responsibility Remarks Individual Account information disputed by consumer, meets FCRA requirements Original creditor name 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: NV

Complaint narrative:
iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX XXXX, and transunion and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things

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 2022-09-17 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: NV

Complaint narrative:
iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the XXXX, equifax, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Self Financial Inc.
State: CA

Complaint narrative:
Two parts outline this nightmare due to selfs predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use Self because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. Self currently has 1000s of these XXXX complaints That clearly defy the fair credit lending act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-09-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: FISERV FINXACT CORE
State: GA

Complaint narrative:
My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal refused to close my accounts and wanted to instead keep them open. I have been unable to update my address, phone number, and log-in information that has been changed due to my moving with being homeless. During the process of being homeless I have moved from a few different concepts and shelters that have caused disruption with me being able to do business as usual and have instead resulted in alway receiving a less than desirable experience with XXXX XXXX XXXX Paypal. 

I am happy to provide proof of my identity but have found doing business with XXXX XXXX XXXX Paypal to be less then superior service experience in regards to updating my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Called Aidvantage in XX/XX/XXXX to request a refund of the payments made from XX/XX/XXXX to now. I was told they could statt the refund process and that it would take 4-6 weeks to recieve a refund from thble US Treasury department XXXX I asked if there would be any confirmation number and was told none would be provided, but that I could call back in a few days to see if my request had been submitted. I waited until XXXX to call back and confirm. I was told that they could see my request and that it was still awaiting approval. On XX/XX/XXXX, I made a complaint on the federal student aide website. The complaint was forwarded to aidvantage. Aidvantage emailed to state they are investigating my complaint. However, I find it completely unreasonable for my request still to be pending approval nearly 3 weeks later. I have seen no changes on any of my accounts to reflect the request. And feel that there is no way to truly hold aidvantage accountable to their timeline given the fact that no confirmation or reference numbers for the calls were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately

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 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Nordstrom FSB dba Nordstrom Credit had a consumer credit account in my name. After I left working at Nordstrom due to a medical condition ( substance use ) they held the account in my employee file and did not disclose that I had this debt nor write it off. Instead the debt was private and held in a manner that did not inform me of my rights to dispute the debt.

What I had issues with was the amount of debt that I owed.

I had worked like heck to get this debt paid off and owed around {$350.00} USD to Nordstrom but following a relapse this debt went to an automatically calculated sum of {$900.00} + dollars in which they sent me a notice regarding the amount I owed. Following this not one correspondence was sent to me in regards to this debt being owed. In fact, I went to work for them again at Nordstrom Rack and even then they did not bother me in regards to collecting this debt nor inform me of my rights. 

This debt was paid recently in full and they have not updated my XXXX in regards to this debt being paid in full, the history of my debt was not on my XXXX, and the account status is not on my XXXX and it's as if it never existed. 

In fact, when I paid the debt they didn't even send me an account paid in full notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
transunion keeps adding extended fraud alerts on my credit. I don't want any fraud alerts or credit freezes on my credit at all. I want everything unlocked and removed Now.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I was checking my credit report today and noticed that this company had added and erroneous debt to my credit report in the amount of {$320.00}. I did not do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately

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 2022-09-17 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: PA

Complaint narrative:
I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my written instructions. 
This account was removed from XXXX and not Experian. Would like a reinvestagation into this account. 
As of now XXXX and XXXX doesn't show this account list on credit report. Making this account inaccurate And should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, several months ago, I turned off the Overdraft ability on my checking account because I did not want any more predatory fees charged. I was told that when I did that, my account would decline if there wasn't sufficient funds and I would not be assessed overdraft fees. 

Recently, I've discovered that I have been assessed 13 overdraft charges totaling {$450.00}. These are unfair and excessive, especially since I turned off the overdraft ability on my account. I just opened an account with another bank, XXXX XXXX that promises no overdraft fees. That seems much more fair to the customer. 

I feel like these fees should be removed or I should be provided with a fair payment plan. I feel like I was totally blindsided by the bank for doing this and I really can't afford to pay 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 2022-09-17 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: TX

Complaint narrative:
For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX My social is XXXX date of birth XX/XX/XXXX Companies listed below are reporting accounts obtained thru identity theft SANTANDER BANK XXXX XXXX XXXX XXXX SANTANDER BANK XXXX XXXX XXXX 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