vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: MI

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 : And they violated my rights numerous times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.Accounts : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Checkr, Inc
State: AZ

Complaint narrative:
The company in question is Checkr background. The company has cleared me twice, once in XXXX of 2022 and again on XX/XX/2022. Applied for a different driving company on XX/XX/XXXX, and Checkr still has not completed the screening and has provided the same boilerplate response several times that no two reports are the same. This intentional delay has impacted me financially. After looking at XXXX  this seems to be a common practice of this company. On a side note, I had a federal background done for my XXXX  and passed as well. Also include per FCRA how they obtain/verify any information included, and verify if they have 3rd party permission to access Arizona 's DPS repository for criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
My student loans was transfered from NaviXXXX to Aidvantage, when I was with NaviXXXX my total loans I owed was {$20000.00}. Aidvantage has to add another XXXX on my loans. ThIS is FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TN

Complaint narrative:
Experian XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX CHILD SUPPORT Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2022-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC
State: UT

Complaint narrative:
I notified Personify that the account was fraudulent and provided them with the completed fraud paperwork and a police report the beginning of XXXX. They continued to call to collect the debt until XX/XX/2022. On XX/XX/2022 they charged off the account and it is now showing on my credit report as a charge off. I did everything Personify requested of me and this account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank has been calling us multiple times a day looking for XXXX. There is no XXXX  here which we have communicated to them. They continue to call us from XXXX XXXX and XXXX. I have blocked other numbers which I do not know how to access. My husband has repeatedly told the gentleman at the XXXX that he had the wrong number. 
Calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These calls are from just the 3 numbers listed above. I have not included the blocked numbers as in all fairness, not all my blocked calls were from Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: FL

Complaint narrative:
I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Credit card applied for at Macy 's on XX/XX/2022 in my name, under my social security number but I did not open this line of credit. I contacted Macy 's and they closed the account and started an investigation. On my credit report I also noticed that the address associated with this Macy 's credit card was XXXX XXXX XXXX XXXX XXXX XXXX. I have no associate with that address either. I have flagged this address as fraud through XXXX as well as reported the Macy 's line of credit. I have also have locked my credit reports for further prevention.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 71XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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

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 2022-08-25 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 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 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 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 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 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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
Someone opened bank accounts in my name fraudulently with US Bank, XXXX XXXX, and XXXX that I know of. They also opened received a personal loan for {$35000.00} fraudulently from XXXX XXXX XXXX and attempted to open line of credit with Citizen Bank. Also opened credit cards with US Bank and XXXX. They also made purchases on my XXXX XXXX for over {$4000.00}. In addition, they also accessed the 3 credit bureaus and made changes to my personal information as well as filed fake consumer reports with the bureaus with fraudulent phone numbers. Scammers also forwarded my mail to an unrecognized address. This has all occurred during the month of XX/XX/2022. 

I have taken actions by filing disputes with all the banks and lenders that I am aware of that had fraud. Also placed freezes and filed security alerts with all 3 credit bureaus and check systems. Also added extra layer of security with my current banks and lenders with verbal passwords. Notified and cancelled the mail forwarding request with the Post Office. Also signed up for credit monitoring services to combat further identity theft.

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 2022-08-25 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: FL

Complaint narrative:
I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies

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 2022-08-25 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: FL

Complaint narrative:
I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: FL

Complaint narrative:
My rights under 15 USC 1681 have been violated by Experian. I made several attempts in the past to remind you of your duty pursuant 15 USC 1681 & 15 USC 1681e ( b ). You are intentionally and willfully being neglectful in remedying my affairs. I am due & promised accuracy in my report based on federal law. I also have the right to privacy and I did not give Experian written permissions to furnish these accounts :. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : 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 2022-08-25 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: TN

Complaint narrative:
Equifax Information Services LLC XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are XXXX late payments being reported. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-08-25 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 previously filed a complaint about Bank of America and its failure for over 2 years to close my accounts. They responded with a factually inaccurate response and ignored the original complaint. They continue to leave accounts open or allow new accounts to be opened without verification of authenticity. I want all accounts in my name closed now and forever and I do not want to have to call them again and navigate their ridiculous phone system that puts me on hold for hours with zero resolution. I will never give another dollar to Bank of America again, they do not care one bit about their customers.

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 2022-08-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a 12-month personal CD ( certificate of deposit ) for {$1000.00} with Bank of America , opened on XX/XX/2022. I opened this CD as a collateral for a business credit card. The business credit card has since been closed by me 3 months ago. The card was closed with XXXX balance. Since then, I've wanted to close the associated CD account as well, by prematurely withdrawing the money minus any penalties, as per the terms. Unfortunately, I haven't been able to close the CD despite repeated attempts. Whenever I call the CD department, I'm told there is a hold on the CD placed by the business credit department due to the ( now-closed ) credit card. I called the business credit department multiple times as well, and each time I was told they will remove the hold in 5-7 business days, and I should call the CD department to close the CD after that, which never happens since the next time I call the CD department, the hold remains. So, I've to go round in circles, without being able to close the CD. So far, I've spent some hours talking to both departments, and being on hold.

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