vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian CRA, has not been willing to delete inaccurate, incomplete, unverifiable information from my credit file. I have mailed in several dispute letters via USPS Certified mail with Return receipts, requesting that they provide proper documentation regarding the inaccurate items on my credit file according to FCRA 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). There were and still are tons of inaccurate unverified information listed in my Experian Credit file, such as unverified personal information including my name spelling, home addresses, telephone numbers, even my Social Security number!! ( See attached file ) They removed several items on XX/XX/XXXX, yet they left tons of more unverifiable information on my report. They tend to ignore my requests for the physical documentation that the law requires them to send to me as the consumer. I was a victim of identity theft in XX/XX/XXXX, and Experian was made aware of this issue and still left the fraudulent accounts in my credit file. They only added a " Personal Statement '' to my credit file that has proved not to be effective because they are continuously accepting and adding more and more inaccurate, unverifiable information to my credit file. I know my rights as a consumer and will soon be seeking legal counsel regarding this situation if this it isn't remedied in a prompt, timely manner. I recently re-disputed the same information I am referencing today ( XX/XX/XXXX ), and I am just worried that nothing will be rectified this time either. I have been denied for credit several times due to this situation, which has caused me so much mental anguish and distress, because this reflects poorly on my financial portfolio.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Today XX/XX/2022. Equifax is making it difficult for individuals to obtain a copy of their credit report. I passed verification online and was able to create an account and then was unable to log in and was told to call their 800 number. I then went through an automated system for about 4 minutes and finally pressed " ) '' for an agent. The agent came on the phone and I provided her all my personal information and then she stated she had to ask me a security question. which I was fine with. She asked me if I have a home, auto, bank loan who provided the loan the amount of the loan and the payments I make. I told her the only loan I have is student loans and I have multiple accounts. She then asked how much is the loan I told her it's over sixty thousand dollars in loans I do not know the exact amount. I then asked to be transferred to someone else and then the next rep told me I would have to tell them account numbers and amount for each loan I have to verify my identity. I then stated I was reporting them because that is completely outlandish way of asking a person verify their identity. She then stated she was checking the online account and also stated she did not XX/XX/XXXXlocked. but I got off the phone and let her know I was reporting them for withholding my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I was XXXX when my credit score was negatively affected by this. I sent the proper document that I was getting in a XXXX XXXX. In addition, they mailed the bill to the wrong address. Also, the agency did manage bring the accounts back as an XXXX/XXXX   status, my credit report is still not updated and the credit score has not increased. What can be done to expedite this process for fairly correct my status?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: OK

Complaint narrative:
I submitted a dispute to remove bogus information that has been placed on my credit report by a company named XXXX XXXX through Experian. This company has no account verifying information other than my name and a former address, yet continues to update my credit report with this erroneous information. I feel this is identity theft and Experian in doing their investigation has failed to get this company to prove accuracy of the account being initiated by me, other than having my information on file.

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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX XXXX bank of america credit card made an unauthorized transfer of funds from my XXXX XXXX checking account. I set up an online payment on XX/XX/XXXX. On XX/XX/XXXX two transactions posted to my checking account with the same transaction number but for two different amounts - the first for {$1200.00} which I scheduled online and the second for {$1100.00}, which I did not schedule or authorize. I called customer service for bank of america to inquire how this had happened and request a refund. I was given no explanation for how or why I had been double charged but was told I would be refunded the {$1100.00} charge in no more than 10 business days. I clearly explained that I had not made this payment and believed it to be a mistake. On XX/XX/XXXX my money had still not been refunded. I called again and asked how the double charge had happened. The customer service agent on the phone could not explain the error and told me that the refund had been processing when it was flagged as fraud on XX/XX/XXXX. I was not notified and the agent could not give me any explanation as to how or why this had been flagged as fraud. I was told I would have to call back in 2 more business days to get additional information. I was given no time when my refund would be processes. I said that this was unacceptable and asked to submit a complaint. I called my XXXX XXXX XXXX  and requested assistance and they requested a return payment on my behalf.

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 2020-02-22 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:
Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.

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 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I was shopping at around XXXX and after I finished my shopping I dropped my wallet which had my bank card, pin, drivers license in it and 2 hours later it was used at my local banks ATM. the person made two transactions of {$500.00} dollars which equal up to {$1000.00} dollars and I tried calling for three hours as soon as I found out and realized that money has been stolen from me. I alerted them telling word by word of what happened then they made a claim for me. Soon enough, they paid my claim with a provisional credit, but today on XX/XX/2020, I was told my claim got denied and they will not cover my claim and the money drafted out my account from my ATM.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This Bankruptcy isn't mine! Please REMOVE it 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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This Bankruptcy isn't mine! Please REMOVE it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: FL

Complaint narrative:
Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.

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 2020-02-23 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: NV

Complaint narrative:
These are not my accounts. Please remove them 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 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

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 2020-02-23 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:
These are not my accounts. Please remove them 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 2020-02-23 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:
These are not my accounts. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank 's mobile banking app and website are down 2-3 times a week, making it impossible to access your accounts for anything, and sometimes even using the card. Their customer service is only open until XXXX on a Saturday ( the day the issue occurred XX/XX/2020 ), leaving customers with no explanation other than they're experiencing difficulties with the network. There was recently a data breach from their own employees, they offer no explanation or turn-around time for issues, and makes accessing your money completely impossible until they decide to resolve whatever issue is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

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 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: VA

Complaint narrative:
Bloomingdales sent me an email regarding a purchase made online with my credit card I have agent from Bloomingdales consumer protection department did advise to submit claim with CFPB because I could be a victim of fraud.

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 2020-02-23 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: TX

Complaint narrative:
To whom it may concern : Who gives XXXX, XXXX  and Transunion The right to judge a middle class American? I've disputed time and time again about identity theft and I'm held accountable. I have police case numbers for each fraudulent information on my reportd. 
How are you the CFPB monitoring these agencies? XXXX was hacked into and my information was once again used fraudulent by the people who stole my info through XXXX 's lack of security! 
The US government gives us a social security card when we are born. Who protects are information? 
I've worked in HR running background checks and 6 out of 10 reports would come back saying the Social Security number was being fraudulently used. It would always happen to an American citizen who was under working age. There ss # was being used by XXXX  20-50yrs old. It would be undetectable until the rightful owner of the ss # became of working age. 
I'm so frustrated being judged by 3 credit bureaus who exchange the same credit fraud information, like in my case. This is XXXX   at it's best! Judging me, a middle class worker violated by credit fraud and punished for it. Once you set an alert or freeze no one will approve you fir anything! This whole process needs to be reevaluated to keep it fair! Please have XXXX XXXX call me to discuss this whole situation. I'm tired of defending and fighting the credit bureaus all the time! 

Kind Regards, 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 2020-02-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

USAA FEDERAL SAVINGS BANK AND XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: NV

Complaint narrative:
These are not my accounts. please remove 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