vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received an email XX/XX/22 at XXXX a checking account at Truist Bank was opened in my name. Called them immediately to close the account as this was a result of fraud/identity theft. I then received a notice in the mail dated XX/XX/22 that the closure of checking account number XXXX was finalized. On XX/XX/22 at XXXX, I called a local branch to see if someone opened it in person. XXXX XXXX informed me it was opened online and not in person. Oddly, all correspondence from Truist went to my personal email and my home address. All information on the account matched correctly ; nothing was changed to the scammers 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 explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed multiple times with Equifax concerning the collections account being reported on my consumer credit report from XXXX XXXX XXXX XXXX. In lieu of the disputed information, Equifax willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( XXXX ) requesting a written validation notice requesting the original contract with my signature for an account with XXXX XXXX XXXX XXXX Equifax XXXX failed to delete the disputed information as requested. 

Furthermore, XXXX XXXX XXXX XXXX violated my FCRA rights by intentionally returning the certified XXXX written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: AZ

Complaint narrative:
The following are unauthorized inquiries into my Trans Union Credit Report. I never applied for credit with the following companies : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2022-07-08 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-08 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I closed our checking and savings accounts a year ago but kept a financial management ( Merrill Lynch ) account open. Bank of America accepted a charge on our closed account, opened it and overdrew it. 
B of A should NEVER be allowed to open a closed account simply to collect overdraft fees. I believe this is fraud.I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact us- phone- close account- contact us- phone- close account, etc. ) I just want to clear up the overdraft and close the account. Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help.

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 2022-07-08 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: GA

Complaint narrative:
On XXXX and XXXX, I learned through my credit monitoring services that someone applied for and was approved for an account via XXXX XXXX and the credit inquiry was from XXXX XXXX and I did not open any accounts. I spoke with a representative at XXXX XXXX on XXXX who confirmed that an account was opened in my name and informed me that they would close the account and put a fraud alert on there. I have not been able to get in touch with them since that time as the " system is down ''. I contacted Equifax who put a freeze on my credit report and a fraud alert. I was advised to contact the XXXX and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Only XXXX XXXX I received two debit cards in my name to my home address which I didnt open myself. I went to the bank and see and it turned out to be a result of someone taking my SSN, address, birthday, and all other personal information. I filed a police report XX/XX/2022 and also submitted an Identity Theft Victims Complaint to the company. The company has since closed both of those accounts but I received a notification today on my security apart app that they were seeking more information about me today online.

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 2022-07-08 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: OneMain Finance Corporation
State: TX

Complaint narrative:
On or around XX/XX/2022 I became aware that my personal information was used to take out a {$1800.00} loan with One Main Financial. Within the course of several days after that I did what they asked and provided a signed notarized affidavit, police report, and my Driver 's license. I took further steps and froze my credit and put a fraud alert on my account. A couple of months pass by and I received a call from the XXXX XXXX at the local branch saying that the fraud department deemed the account as not fraud and they were going to collect. I was of course amazed and wondered how they came out to that conclusion. I contacted the fraud department and they said they sent a letter ( that I have yet to receive ). They said that if I want any further information that I have to issue a subpoena. They refuse to disclose their findings and ask that if I want them to reopen the investigation that I need to submit more information that will help them further investigate, but I already sent them everything that they told me to send and without my file I am unable to present contradictory evidence. On XX/XX/2022 I sent them a certified letter explaining my position. On XXXX I get a call from the local branch trying to collect and I reiterated that I reported the account as fraud. The representative ask that I send a copy of my bank statement. On XXXX I send a copy of my bank statement to the local branch. I also send the same bank statement to the fraud department to reopen the investigation. In the course of this they also wanted me to send an updated police report naming the suspect which I was not able to obtain because the police department will not release an unredacted police report to me only to an attorney or a police official. I tried to explain this to the company, but they said that they will not work with the police that is something they don't do and unfortunately they need an unredacted police report. Today on XX/XX/2022 only 1 day after me providing my bank statement and letting them know that I was not able to obtain an unredacted police report they said they closed the investigation and found no fraud and were going to collect the money owed. The account is also still being reported as late payments and reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity bank card system is down. Credit card is being declined, no customer service, they will not answer phone. Fraudulent charges are appearing online. This has been going on for over a week, with no one to talk for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
I have attached and FTC report with a collection and inquiries I did not authorize

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 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings
State: FL

Complaint narrative:
I had rats and no air conditioning in my apartment. I had to move to a hotel at the request of the management company. Movers refused to enter the apartment as there were live rats running around the apartment and dead rats in traps not cleared for weeks unless a {$2000.00} premium for risk was paid. ( XXXX XXXX did nothing for 2 months being aware of the problem ). I submitted bills in excess of {$8000.00} of which XXXX signed for and refuses to pay for ( legal pending ) Instead the same day XXXX sent a questionable file to I.Q. Data International who contacted me. I told them the story but no matter what I told them they ignored and continued calling me about this questionable debt. I told them that I will have to go legal against XXXX for this debt. For some reason I.Q. Data International put a higher amount on the XXXX file. They did not investigate what I told them or even their client. If they did they would see XXXX has a history of this. I DO NOT OWE ANYTHING AND XXXX XXXX OWES ME MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am creating an additional claim due find out more information. 
I recently was scammed by a person posing as a renter for an apartment in XXXX. This person refused to let me see the apartment and I backed out of the lease agreement. The person told me that I could submit a document to get a refund, but I have not received it. Zelle won't do anything about it because I authorized the first initial payment because I thought I was getting an apartment. The security deposit was {$1700.00} on XX/XX/2022. This week I found out that this person has scammed people before, and Zelle is fully aware of it. A woman I spoke to was scammed by the same person. She was not only scammed of {$5000.00} but this person stole her email, and her name, and froze her bank account. This happened before I was scammed, and Zelle already has a report on this person yet they still continue to let this person use Zelle with no protection for those who aren't scammers. I can provide more details, and I wanted to emphasize how Zelle gave me the blueprint if I ever felt the need to scam  someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-07-08 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: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries I did not authorize

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted on XXXX  by a woman, " XXXX XXXX '', who convinced me to invest into a company called XXXX XXXX XXXX that was trading through a XXXX XXXX XXXX XXXX. I sent my money through Citibank and XXXX XXXX to XXXX and XXXX, converted it into USDT and then withdrew the currency into a wallet on the phony investment company 's website, believing that the trades will result in profits. Instead, the scammers asked me for additional fees with the allegations that I am to pay taxes and consequently they never allowed me to withdraw the money that I invested. 

I realize now how foolish it was of me to fall for the aforementioned scheme. I have taken steps in getting my money back, namely reaching out to my banks for reimbursement, as I do not believe they were diligent enough in monitoring the transactions, nor did they warn me of the dangers of fraud. Citibank has not been cooperative and has replied negatively my demand letters, thus I have decided to submit an official complaint here. 
The sum I tried to dispute Citibank for is XXXX USD.

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 2022-07-08 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: TN

Complaint narrative:
I have sent two letters to Equifax disputing inaccurate information on my credit report. I sent the first letter on XX/XX/2022 and then the next letter on XX/XX/2022. They have failed to respond to either letter or delete the inaccurate information. It is to my understanding according to the XXXX website that they have 30 days to complete an investigation. It also says on the website that if they don't complete the investigation within that time frame, then they must delete the disputed accounts. Well I have given Equifax two opportunities to respond, 70 days in total, and they have not. Therefore, they must delete the disputed accounts mentioned in my letters. I have attached both letters, which are dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation