vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: SD

Complaint narrative:
A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each one of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX  XXXX  ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my 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 2022-12-06 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: SD

Complaint narrative:
A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each XXXXne of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: SD

Complaint narrative:
A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each one of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
On XX/XX/2022 I entered into a purchase agreement with an individual who contracted with XXXX XXXX limited for the sale of a vehicle. I was advised to register at the company 's website, I was contacted via email by XXXX 's agent and was supplied all documents related to the transaction. Per the company 's directions, I wired funds on XX/XX/2022. Upon receipt of my funds, the XXXX agent stated they supplied me the wrong account number as the one supplied was for domestic transfers within the XXXX XXXX. The stated they would return the funds accordingly. I advised them to send me the vehicle or return my funds. It has been over XXXX days since they stated my funds would be returned. They will not respond to inquiry at the email address of XXXX and their website no longer interacts/brings up my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX / XXXX which involved me making deposits for a total amount of USD XXXX from my Bank of America account to fraudulent investment firms.

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 2022-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Its a lot of accounts on my XXXX report that I have no knowledge of and also they are reporting charged off but still show a balance this is hindering my credit worthiness and is compromising my scores please help in the removal of these adverse actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Someone has registered with the State of California, unknown to me to receive unemployment benefits. I do not live or work in California, I have no real reason to have been registered with them. I have only been made aware of this because I have received letters from EDD and BOA with information regarding the benefits of the account. No prepaid card was sent to my home. I called the BOA to make them aware of this error and they advised me to reach out to California EDD. I tried to reach out to them by phone, ( which is impossible ) and through through their online portal. I have not received any follow up correspondence from the department, and I feel uneasy making the complaint without support. I would never want to take money from anyone who needed it more than I do. Please if you can, help me to make this right, or point me in the right direction. I do not want to be irresponsible about benefits that I did not request and someone else is hurting.

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 2022-12-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/22, my husband noticed that over {$2000.00} was debited from our checking account at Citizens Bank. We immediately called the bank and were told it was fraud associated with my husbands bank card. We were told they were cancelling his card and reissuing a new card. We were told the money would be credited back very quickly. For the next week, we called the customer service EVERY day multiple times following up. We were constantly being told different stories every time. Then we were told they had to find video footage and investigate before they would determine if we would be reimbursed. This caused extreme financial hardship on our family, as our entire account had been wiped out, with the exception of {$60.00}. After a whole week of contacting them, we got a phone call from their collections department, telling us that they debited our account for delinquency on paying our HELOC loan. We are enrolled in autopay, and could not understand why they did this. They then told us they couldnt debit the last two payments due to insufficient funds. My husband pulled up our account on both of the dates she gave us, and there was more than adequate funds to cover it, which he told the customer service rep. She then had him hold and came back on and was nasty telling him that they can not/ will not refund us the money they took. She then gave us the last 4 digits of an account and accused us of changing our account and thats why there were insufficient funds. My husband said that that was not our account, nor has it ever been an account of ours. We have had the same account since we opened with the bank. After holding again for quite some time, she came back on with a different tone and admitted that they had a system migration a few months ago, and our account was entered incorrectly. And that the error was on their end. She said the money would be refunded in 48 hours. We finally got our money back yesterday ; this has caused extreme emotional stress, as well as financial hardship. This could have been avoided with adequate communication amongst their departments. We are extremely upset about how this was handled. We have children to feed, and a house to care for. They left us with {$60.00} for a week and a half. If we had not called EVERY day and relentlessly pushed the issue, we still would not have answers, and NOT have gotten our funds returned to us. It is absolutely horrible customer service and a terrible way to treat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I checked my XXXX score last night ( XX/XX/22 ) using a service provided by a legitimate credit card account I have and discovered I had an unusually low XXXX score. I then pulled my credit report using a free online credit report service and discovered that XXXX Truist ( XXXXXXXX BB & T Bank Branch & Trust ) credit cards were fraudulently opened in my name on XX/XX/22. It appears that one of the account balances is up to {$14000.00} and the other account balance is up to {$11000.00}. The credit report indicates that no payments have been made on either account. The address connected to the two fraudulent accounts per the credit report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas. The phone number listed on the account is XXXX. That is not my address nor my phone number. 

I called Truist this morning at approximately XXXXXXXX XXXX  CT XX/XX/22 to report the fraud. the representative told me that Truist would investigate the fraudulent account and advised me to reach out to XXXX and file a report with this agency. I will file the report with XXXX and the other credit reporting agencies after I complete this form. 

To be absolutely clear I have no connection with these two Truist/BB & T credit card accounts. I did not open then, I did not authorize that they be opened in my mane and to my recollection I was never contacted by this financial institution to confirm the authenticity of the these credit applications.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THIS IS NOT A DUPLICATE* THIS COMPANY IS A FRAUD. THEY HAVE BLOCKED ME FROM DISPUTING INACCURACIES ON MY CREDIT REPORT THAT ARE TRUE ERRORS. THEY HAVE NEVER PROVIDED METHOD OF VALIDATION FOR ANY ACCOUNTS REQUESTED. THEY HAVE NEVER PROVIDED UPDATED CREDIT REPORT AFTER EACH DISPUTES. THEY ARE FRAUDS. I HAVE COMPLAINED ABOUT THE FOLLOWNG ACCOINTS SEVERAL TIMES. SINCE THEY WANT TO BLOCK ME FROM ONLINE DISPUTING. I AM FILING A COMPLAINT FOR FRAUD. YOU CAN'T BLOCK A CONSUMER FROM DISPUTING!! AND THEY ARE TAKIN XXXX THAN XXXX DAYS TO RESPOND ON HERE AND ON WITH INVESTIGATIONS XXXX. They are showing accounts past the XXXX days statute of limitations XXXX. They have never provided a MOV XXXX. They are showing sold accounts with balances XXXX. They are showing repeated Charge offs every month XXXX. They are not being consistent with other credit bureaus Here are the accounts they are showing balances, XXXX past statues, sold accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: NC

Complaint narrative:
I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid. 

My credit has been pulled 12 times atl east which can also hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid.

My credit has been pulled 12 times atl east which can also hurt my credit.

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 2022-12-06 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: NC

Complaint narrative:
I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid.

My credit has been pulled 12 times atl east which can also hurt my credit.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My checking account was withdrawed by counterfeit check at XX/XX/2022. I called CitiBank on XX/XX/2022. I was told that they will start an investigation and return my money back in 10-15 business day. I asked them to stop all incoming physical withdrawing checks. 
On XX/XX/2022, I found a second withdraw using the same counterfeit check. I called CitiBank investigation team immediately, and asked them to stop issusing money to any physical check withdraw agiain. I was promosed that that will not happen again. They are ding investigation. 
Today, XX/XX/2022, I found a counterfeit check withdrawing from my checking acount again by the same person. I talked with threee person, the last one is lay who is a team superwiser. She told me that will start investigation today, and suspend my checking acount for 90 days, during which I can not access my money. 

My complain is that they can not promise me with empty promise and pay my money to the conterfeit checks repeatedly. Due to the lock of my account, my finacial situation has been greatly changed.

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