vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: NC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   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 2020-10-20 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: SC

Complaint narrative:
On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft

Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute. FCRA Section 605B states : Except as otherwise provided in this
section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, Transunion  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and XXXX   received theirs on XX/XX/2020. Each one of the Credit Bureaus are in  receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: SC

Complaint narrative:
On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute.

FCRA Section 605B states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, XXXX  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and Experian received theirs on XX/XX/2020. Each one of the Credit Bureaus are in receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX my credit card was used for transactions that I did not initiate. The transactions continued to occur until the transactions were taken out of the state of Illinois which is when Bank of America finally flagged them and notified me there may be fraud. I have not left the state of Illinois, nor have I traveled to the places these fraud charges were made in. I also live alone and do not have anyone that can access my physical credit card. Once I was notified by BOA that fraud was occurring I called immediately and put a hault on my card ( which was in my physical possession ). The representative stated that's weird because the charges were made using the chip in the card. We deactivated the one in my wallet and a new one was shipped to me.  BOA denied the fraud claim weeks later as " the chip was used ''. Yet, I called back and stated it was not me and they need to dig deeper. The representative asked if I received a card with a " new touch less feature ''. I said " no, I'm not aware of that and nobody informed me a new card was being shipped to me ''. She stated that it was all making sense now and that my card just have been stolen in the mail. I was appreciative of her help and expertise and it all made sense. However shame on BOA for mailing me a card and never telling me. However, even after a police report has been filed, months later, I am struggling with Bank of America to return my funds. I have filed a complaint on here before only to be dismissed. This entire case has been ridiculous and falls on BOA being incompetent to actually investigate. Facts - I didn't even know a police report would help until I continued to follow up and a representative told me " it's not required but it will help to get one ''. I  was unaware the police, in a major city like XXXX, would even spend the time on a case like this - but I filed it and still have charges on my card I did not make. A consumer should not have to be put through this and have this agony because a large corporation wants to protect themselves. I did no wrong and have been a BOA customer for 25 years. Silly, they send me a congratulations on 25 years notice but can't handle a case. I may have to get an attorney as we will file for more than the fraud charges and attorney fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 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: NC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   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 2020-10-20 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: NC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX   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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called the companies that that the bureaus alleged to have incorrect info and not the them - so I called to verify and they were not able to verify the wrong amounts reported, wrong open date of accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Source Receivables Management LLC
State: FL

Complaint narrative:
I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX XXXX and it was low and our  credit is excellent. So I got a credit report from XXXX XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX '' ) and I have never had a XXXX account. I filed a dispute with TransUnion and they refused to take it off. XXXX  already removed it for me. The amount is {$2400.00} that is in collection, from XXXX mobile. The collection company is their own, Source Receivables Mgmt. For over a week XXXX  told me to call the  collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can XXXX  put someone else 's name on my account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
XX/XX/2020 Loan Company Credova Financial LLC, ( online loan application sent for approval. Came back approved for XXXX take to the store for your purchase of product ). 

Online/Credit Report states : Monterey Financial Services Got inside the desk clerk stated said that yes you are approved I said I  wanted to put XXXX down so I will not have to pay a lot of money on the loan because I don't have a job. Cordova do not ask you about employment information only bank account information that is how you get approval. When I called Cordova to talk and explain to them they hold on let me get you over to Monterey. I explained to them but I filled out the online application with Cordova. It looks like Cordova is the cover for Monterey Financial somehow. The Consumer reviews list 135 reviews with a 1 star with the same issue they fill out loan with Cordova then they come back with leasing information when we ask for a loan not leasing. I called and tried to explained that I did not have job that was money I was saving up and wanted  to help local stores and my XXXX by losing XXXX family members due to XXXX the lady responded well you should have thought about that before you used it on a puppy. She did not hear me say that I was elderly and needed a companion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX DOB XX/XX/2020 believed to be a toy but puppy is already out of toy range will be full grown Yorkie. Price XXXX+puppy pack150+taxes XXXX. If I want to buy the puppy out right XXXX XXXX +applicable fees or taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX. I am looking to get help to correct my credit profile that has several errors that are causing me issues. First up the misspelling my name please remove any other spellings. I am a victim of fraud and I have fraudulent addresses on my credit report. I never lived at the following addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX C M/R XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these cellphone numbers that do not belong to me error : ( 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 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
The XXXX department sent the money to the program, USReliaCard, and the USReliaCard program from Florida has my money since XX/XX/2020. Total amount {$6800.00} but the card is blocked by https : //www.usbank.com/business-banking/business-services/business-prepaid-cards/government-disbursements.html USbank ReliaCard Cardholder Services XXXX. XXXX  XXXX XXXX, Florida United States Phone : XXXX, The ReliaCard is issued by U.S. Bank National Association pursuant to a license from XXXX XXXX XXXX. or XXXX XXXX XXXX. Mastercard is a registered trademark and the circle 's design is a trademark of XXXX XXXX XXXX. 
The 1st card I would not activate so I had to wait for a second card. It usually takes 5-7 business days for the card to arrive. I was told that I needed to fax in a copy of my drivers license, my bills, and provided my full SSN number, and it would take 24 hours to be activated. I faxed these documents several times and I have not been availed to have access to my funds. My family and I are homeless, with one of my children who are XXXX, I have back bills and this company usbank-reliacard know this and they don't care. I have already filed several complaints with many managers and they don't care and even one of them named XXXX was laughing at my situation. Please do something about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Cards notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. I am not satisfied with their previous response. This needs further investigation by your office. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: NY

Complaint narrative:
I have contacted the XXXX even XX/XX/XXXX and now I need them to be aware that they are reporting wrong opened date and wrong creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Social Finance, Inc.
State: SC

Complaint narrative:
I have spoken with SOFI directly and have disputed the balance shown *twice* already. Rather than fixing the error, SOFI 's solution seems to be to drop back a month and report an even higher incorrect balance to XXXX. Twice they have reported to XXXX  that they are reporting correctly but clearly they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a payment to XXXX XXXX XXXX on XXXX in the amount of {$33000.00}. XXXX did not accept the method of payment, which was made via ELECTRONIC BILL PAY. The funds were returned to BB & T on the same date, according to XXXX XXXX. 

I contacted BB & T several days later to inquire as to why the funds had not been credited back to my account. They informed me that XXXX was sending me a physical check in the mail. After not receiving the check for what I considered to be a reasonable time frame, I contacted BB & T again to inquire as to the location of my funds. They informed me that the funds would be returned back into my account after a multiple day hold. To date, it has been 20 days, and I still do not have the funds back in my account. This has cost me close to {$400.00} in additional accrued interest, and in this day and time there is no sense in this. I want my funds deposited back in my account immediately, along with the additional interest that it has cost me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted the XXXX even XX/XX/XXXX and now I need them to be aware that they are reporting wrong opened date and wrong creditor.

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