vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: PA

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 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 2020-07-10 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
After the Equifax hack, my wife and I froze our credit at all 3 major credit bureaus. While XXXX and XXXX have been extremely helpful/easy to work with, Equifax has not expended any effort to help us manage the freeze. 

1 ) We tried to setup online access ( myequifax ) but received error messages indicating we needed to call an 800 number : We can't complete your request at this time. 
Please call the Customer Care team XXXX XXXX ) We tried calling the number but gave up after waiting 1 hr on hold ( do appreciate the pandemic impacted customer service - but Equifax had the longest hold time of any company we tried to work with ) 3 ) We tried Equifax 's XXXX account - someone replied but never resolved the issue 4 ) We gave up for several months 5 ) When we tried again on XX/XX/XXXX, we were told by customer service that we were not ALLOWED to use online access but customer service didn't know why - instead we would need to call each time we wanted to do something 6 ) My wife and I were able to call on XXXX to get the freeze temporarily lifted - but when we called back on XX/XX/XXXX to verify it has been frozen again, we were told we didn't answer one of the security questions appropriately and would now need to mail or fax proof of identity and our request to them. 

It is completely inexcusable that Equifax can not enable online access or provide a reason why we can't, as well as providing an opportunity for us to correct/rebut the reason for online access denial. They will no longer accept phone calls because we missed a security question and now have to work with them via fax or mail? How can they not provide timely access to manage a security freeze we PUT IN PLACE BECAUSE THEY CAN '' T MANAGE DATA to begin with!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TN

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-07-10 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: TN

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX XXXX {$790.00}

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 2020-07-10 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: AR

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX XXXX {$790.00}

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 2020-07-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX in the XXXX in XX/XX/2019. I paid {$1200.00} for the order using a store credit card from Synchrony Bank. We did not receive the furniture delivery and when we contact the store they were no longer in business. We reached out to Synchrony to dispute the purchase and receive a refund since we did not receive the merchandise. Synchrony has not been helpful in resolving this matter. They have also damaged our credit since they reported the account as late or delinquent. We requesting a full refund and removal of the debt since we never received the merchandise from the merchant and Synchrony was aware of these issues.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I was supposed to recieve XXXX on my baseball scholarship. Balance was XXXX at XXXX university. So the balance was supposed to be lower to XXXX. XXXX sent it to collection now the balance is XXXX which is the wrong a month overall. I have had lawyers and congress woman XXXX XXXX send letter to them but they have no responded. Due to lack of compliance of my dispute I would like that debt to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I had an account, for a family plan, with the company XXXX XXXX XXXX for about 16 years. I was forced to cancel it when we moved and could not get any reception.The technical service department was informed on numerous occasions but they were unable to resolve the issue. Not having a land line and only relying on our cellphones this lack of service became a true inconvenience for my family & I. Therefore, I called to cancel my account before the next payment roll began. Now this company is forcing me to pay a cancellation fee based on a renewal of contract done with the purchase of a phone. I was never informed of this renewal when the cellphone was purchased nor when I called to cancel my account. I never signed anything when the phone was purchased as I paid its full amount in cash, therefore, a payment was never set in place in order to have had a contract renewal. This cancellation fee has rolled over into collections and it is now impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A fraudster walk into a Citi Branch in XXXX NY and cashed a {$4300.00} dollar check against my account. The check was drawn on XXXX made payable to my name. I contacted Citibank and the Rep gave me the run around for hours. I then proceed to go to the Branch in XXXX NY and see if I could have the matter resolved. The Branch Manager XXXX authenticated me and verifed my ID. I spent 5 hours in the branch and I am XXXX to avail. I left with XXXX obtaining a reference number for my case and submitting an afffidavit of forge check. Citibank has yet credit my account back for {$4300.00} hunder dollars which their teller allowed to walk out of their insitutation. I ask about a temproary credit as they Citibank know I did not do this and was told I do not have a enough money for that, I am not the type of customer who would receive a temproary credit even thou Citi bank Rep agrees it wasn't me that did this. Please note that I am a XXXX - XXXX MALE XXXX years old.  Becasue Citi bank yet to credit my account I am unable to pay my bills and I am now diliquent. This started back on XX/XX/XXXX when the fraudlent check was cashed against my account. I am looking for Citibank to make me whole refund my {$4300.00} plus late fees on my bills and the {$12.00} dollar fee Citibank charged as the check that was used to obtain the {$4300.00} was stolen from a XXXX client who placed a stop payment on that check. I am writing the CFPB because this morally wrong, and just not right. please help me in case. I can not go to the branch again and sit for 5hours and nothing is done. I can not continue to call Citibank Customer Service and be drop from the call or given the run around.

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 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
About 4 years ago I opened an account at Coinbase with several bank wires to them. I bought and traded Bitcoin with them with no problems till about 2 months ago. Up to that time I had not logged into my account for about 4 months. So it has been 6 months since I have been able to log in to my account. 

Anyway, about 2 months ago I entered my user name and password as usual, but this time it did not work. The website suggested I have my password reset, but that did not work as I never received an email to be able to do that. I just tried this same procedure and still no email with reset instructions. 

So they have a phone number to call for this type of problem but it is not maned by anyone. You simply can not reach a human being using their service number. The machine suggests to use their support page to get help with the matter, but that is also not working. All I ever get is fill out the form and we will help you, but then nothing. The only thing I get is a survey asking me if I got help. I say no and that is the end of their help. I have played that circle game of asking for help and getting none at least 10 times. 

I have apox 4 thousand invested in several cyroto currencies with them. 

I have gone on line to XXXX pages and found many people saying the same, they do not answer their phone, they do not provide any help what so ever on their support page. 

Will you please help me recover access to my account and funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}

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 2020-07-10 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}

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 2020-07-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, transunion and XXXX credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.

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 2020-07-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, XXXX and equifax credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I signed up for a {$400.00} Citi bank promotion. The {$400.00} promotion required {$15000.00} to be deposited. They failed to send me a PIN so I wasn't able to open online banking and fund my account with the required amount. Due to the COVID lockdown their physical locations were closed. I reached to them on the following dates to solve the situation on time but they never got back to me : XXXX XX/XX/2020 ( got a replied for them to tweet back on XX/XX/2020 ) XX/XX/2020 XX/XX/2020 XX/XX/2020 Chat XX/XX/2020 XX/XX/2020 XX/XX/2020 Calls XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ( they opened a case for me ) They were not helpful at any time. After going through so many hoops on XX/XX/2020 they opened a case. They denied me and never even informed 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 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
When trying to set up my XXXX bank account for payments, Citi charged me a {$29.00} fee claiming that Citi IT system failed to connect with XXXX  IT system and that my payment was therefore flagged as return by Citi IT system. Therefore I was responsible for paying this fee because the option to reverse this fee is not available in Citi IT system.

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