vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 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: OH

Complaint narrative:
XX/XX/ someone opened a fraudulent credit card from XXXX XXXXXXXX from XXXX VA. I called XXXX XXXXXXXX and had it shut down. I was then told by XXXX XXXX I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. Equifax told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. XXXX XXXX informed me it can be removed from my credit history and equifax keeps saying they can not remove it even though they have verified it was fraud with  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT 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 2023-07-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have a Barclays Banana Republic Credit Card Immediately after receiving my XXXX statement I notified them in writing that the charges made were not authorized by me. I sent the letter to the address on the back of the statement that was specified for disputes. My letter was dated XX/XX/2023 and the amount of charges {$470.00}. I have never received a response or resolution. 

My XXXX statement arrived with no adjustments for the unauthorized charges and included an additional {$490.00} in charges. I again sent a dispute letter to the address listed for disputes on the back of the card statement. My letter was dated XX/XX/2023 and included my XXXX dispute letter as well. 

My XXXX statement arrived with no adjustments for the continued unauthorized charges and included an additional {$92.00} in charges. My dispute letter that included all previous correspondence was mailed out on XX/XX/2023. 

I have now sent a certified letter to the address on the back of the card for dispute resolution with all disputes and all past correspondence. This letter was mailed XX/XX/2023 and can not be delivered to the address. 

I have called Barclays multiple times and have documentation of the time spent and day/time called. I can not get anyone to assist me and have been disconnected numerous times. I have also tried logging in to the account online to submit a complaint and contact and the features that allow you to do so are not working. 

I need assistance and would like to know my recourse for such a blatant disregard and for fans information being allowed on billing statements.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
The other personal affairs concern a company named Google. Google has allowed game developers to advertise falsely. In two games played, I have accrued a payout of over XXXX to XXXX. I was never paid. I could not recover these amounts. These apps appear on the XXXX XXXX XXXX. As a consumer, I do not receive the care that many others receive, perhaps because I am a woman and XXXX. Every time I report unauthorized charges, as a penalty, Google blocks my account and only will reinstate it if I send in several pieces of information like photos of my ID, debit card, and other legal documents. How often will I provide my personal information before they can verify me? The only thing that has changed is my debit card. I fear Google employees are misusing customers ' private data for other matters, or it is sold to others globally. They seem to request this too often or whenever a complaint is launched against them. 

Google also allows these to take place within apps that are on their platform : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These issues are still current. Google retaliates against customers who complain about services and lack of treatment. I have requested an itemized bill of payments, which was promised but never delivered. Google lies to customers ' requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
So since Chime responded and finally proved that there were error found and they sent me back the funds that were taken but then it happened again account got hacked email and phone number were changed and those funds were spent the hacker linked unauthorized accounts and transferred my money into those accounts Chime was not able to verify account because of these changes now there is still happening to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I'm sure you have plenty of evidence against BofA as far as the opening of accts without permission but here are 2 more. The second one I reported the day before the story broke in the news. 
Incident XXXX XXXX XXXX XXXX XXXX XXXX rec 'd notice from BofA that my request for XXXX XXXX Mastercard was approved and they were reducing my credit line on another one of my BofA cards ( card ending in XXXX ) in order to send me the new card. I really did not believe I would get the card because I knew I did not apply for it. 
Rec 'd the card ( card ending in XXXX ) around XXXX and cancelled it. 
XX/XX/XXXX - rec 'd notice that a fraudulent acct was opened in my name and the credit line effected was being restored. I called XXXX XX/XX/XXXX to issue a complaint. They said I was in good standing and credit line was ok and they would file a complaint. 
Incident # 2 : XX/XX/XXXX rec 'd email advising that BofA had rec 'd my application for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Rec 'd email advising that I had been approved for this card. 
XX/XX/XXXX dated letter in mail that I had been approved for this XXXX XXXX card and another BofA card 's credit limit was being adjusted ( card ending in XXXX ) so that I could get this new card. 
XX/XX/XXXX rec 'd email that new card was shipped. 
XX/XX/XXXX - I returned from vacation and came back to find the XXXX  XXXX XXXX, that I did not request, in my mail ( card ending in XXXX ). Called BofA on XX/XX/XXXX and reported it, they said they would cancel it and said to contact credit bureaus to prevent issues. Which I did.. The next day the issue of accounts opened by BofA without consent was on the news. I am awaiting an update from Bof A that the credit limit on the card they reduced is restored. 
I do have of all the documents, including the credit cards issued, that I have referenced above but will not attach them unless they are needed.

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 2023-07-16 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: MA

Complaint narrative:
XXXX XXXXXXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXXXXXX XXXX - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with Experian, XXXX and Also XXXX and they refuse to remove them from 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 explanation
Consumer complaint received 2023-07-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN IS IN VIOLATION OF FCRA AS ALWAYS! 
REPORTING ACCOUNTS THAT HAVE BEEN DELTED FROM OTHER BUREUS BECAUSE OF INACCURACIES & FRAUD!! 

THEY HAVE NOT DELTED ACCOUNT CAUSING HARDSHIP IN MANY PEOPLE LIVES I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION

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 2023-07-16 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: NY

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 non-monetary relief
Consumer complaint received 2023-07-16 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: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXXXXXX XXXX XXXX XXXX XXXX XXXX FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT 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 2023-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmerAssist A/R Solutions, Inc.
State: SC

Complaint narrative:
The company sent a threatening email to me regarding collecting a debt. The debt collector used threatening language and made it out to be my fault. In addition, they threatened to sue me. I have requested information from the company via mail which was never sent to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received and email that an account was opened at Bank of America through their online banking. I called right away to report it as fraudulent banking at BofA. It took 20 mins to get to a person, XXXX finally picked up. He asked for my social security number and I said no, I will share other I do to prove its me. He took my DOB and Last 4 of my SSN. He found 2 accounts had been opened within a day of each other. I asked him to close them. He asked me a few questions, I answered them and he confirmed on the phone they had been closed out without impact to my credit score or other since no cash was exchanged. Yesterday the cards for the account showed up at my door, I dont understand why they would be here if the account has been closed. 
This is three accounts now that BofA have opened under my name. I have filed with them and told them at no point will I authorize an account being open at BofA. 
How do I get these accounts closed? 

My credit is frozen, I have done everything to lock down my identity as well. 

Please help! 
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 non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Submitted request asking that duplicates and items that were over 7 years old be removed from TransUnion, XXXX and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Submitted request asking that duplicates and items that were over 7 years old be removed from XXXX, Equifax and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: NV

Complaint narrative:
Credit reporting agencies XXXX, Experian, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B

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 2023-07-16 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: WA

Complaint narrative:
Equifax has refused to fix inaccurate personal information in my credit file after multiple complaints with the CFPB. I notified the CFPB that Equifax had been publishing the name variation of XXXX XXXX XXXX on my credit file, which was causing several of my accounts to disappear from my credit. I have previously informed Equifax that my former name was XXXX XXXX XXXX and my new name was XXXX XXXX, they have sought to destroy my credit history so that they can increase their profits by selling this misinformation to financial institutions and insurance. I know that Credit Bureau receive more money for negative credit files than they do for good credit profiles, given that the financial institution or insurance company can charge more interest. This practice financially incentivizes the Credit Bureau to not fix negative information that might be on the consumer 's profile, this is what appears to be happening here with Equifax. Whereas Equifax is committing fraud against me at this moment in order to profit off of false information they are distributing to XXXX XXXX XXXX XXXX ( XXXX ). According to a credit report received from all three credit bureaus today, Equifax has listed my name as XXXX XXXX XXXX with no former names or also known as names which is incorrect. A few days ago I received a letter from Equifax which was addressed to XXXX XXXX XXXX for the same credit file, this is XXXX XXXX evidence of Credit Bureau fraud. I have recently been denied a place to live with the property management company citing that my credit history wasn't old enough. I have a right to verification of information being reported, and Equifax has yet to send me any information regarding this fraudulent name variation of XXXX XXXX XXXX - or the contact information of the individual ( s ) or organization ( s ) having them publish it.

Company response to consumer: Closed with explanation