vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I applied for a loan because of credit card debt through credit karma because i saw that i was pre approved for the loan with XXXX. I was denied a loan by XXXX  even when told by credit karma that i was prequalified. XXXX referred me to a another company called XXXX XXXX XXXX, by this time i just recieved a negative on my account. XXXX XXXX offered to fight and remove negative so that i can get approved for a loan. They charged me XXXX a month to remove 1 negative. Now this actually hurt me financially because instead of paying XXXX a month towards the loan that could have taken care of my debts, i am stuck with late fees with my credit card company. Now i am in need of even a bigger loan to compenate for the times i wasnt able to pay my credit card. If they had given me the loan my debts would have been paid off and there would be late fees. I felt cheated and tricked into even more debt. I could have even paid the negative with the loan as well so there was no need to get denied a loan. I feel like credit karma shouldnt have told me to apply to XXXX  now i feel like im going im circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I received an alert saying a new credit inquiry was noticed on my XXXX report, when I looked into it, it appears to be a new account opening inquiry from Bank of America. I did not initiate anything new, so I am assuming this is a fraudulent activity which could be a result of identify theft. I did call XXXX and have added alert monitoring and will be XXXX Bank of America.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have an inquiry from discoverer finical for a card I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX/XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK OF AMERICA, N.A # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

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 2022-09-12 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, FIRST MERCHANTS BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A few months ago I found out that I supposedly had a debt for an XXXX credit card, a card that I never and never before had knowledge of, I have never applied or obtained an XXXX credit card, and now this Company Midland Credit Management , INC I have been sued for non-payment, and once again I have been a victim of fraud and identity theft, previously my identity has been stolen several times and credit cards have been opened with my information, I have made reports to the police of all that and also now I made the report of this card that was opened again in my name, I do not have any credit cards for fear of fraud of which I have been a victim several times, I need you to see and understand that I am a victim of identity theft and I have not the slightest interest in having any credit card from any company for fear that my identity will continue to be stolen, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
For 8+ years I have banked with PNC as our business banker ( with checking, credit cards, and savings accounts ) as well a another business and personal savings account. On XX/XX/XXXX without notice PNC made the decision to close all accounts associated with me. My business partner who happened to be discussing utilizing some of their products found out by chance that our account had been flagged and when asked for an explanation was transferred to someone who said it was a decision the bank had made and would offer no further explanation. At this time our clients were trying to submit payments into our accounts and had their payments returned. We had no opportunity to use our business account or accept payments any further as the account was closed. 

At the time I checked my other business and personal savings accounts and saw that everything looked normal... It was not until XX/XX/XXXX that I received a text alert that my account was closed and my Balance zero. I immediately went into my local branch where they manager explained all accounts associated to me had been closed, I could not access my funds and there was no explanation why. 

I was given case numbers for all accounts and called on each only to be told the standard script " the bank had made the decision to no longer do business with me and did not need to explain why '' my remaining balance in my accounts would not be available until they processed all payments and then would send me a check in the mail. 

I then went back to branch manager where we have had a 8 year relationship to get further answers and explained the entire process felt discriminatory and I would be considering legal action. He promised to do his best to see if i could get my funds released and would escalate my complaint for further action on Friday XXXX I spoke with XXXX XXXX at XXXX a case manager who again offered no additional explanation for my account closers and said " you cant get your money because you can't '' I have been prevented from operating our businesses, had my money withheld, and given no explanation as to why this action has been taken against me. In 8 years of this banking relationship we have never had any questionable transactions or even requests for refunds. I am a business coach - I am extremely concerned about the reason for this decision and the impact it could have on my future banking as well my reputation with my clients. As an XXXX XXXX this seems like the highest form of discrimination and unjust client exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have been harassed by this company Wakefield and Associates. There is debt listed on my credit report from this company with three different amounts : XXXX, XXXX, XXXX I am not liable for the debt owed to Wakefield and Associate. I do not have a signed contract or agreement with this company. Please delete these negative and inaccurate accounts from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
This is a debt with XXXX XXXX. I co-signed for a vehicle for my daughter in XXXX and XXXX is still contacting me regarding this debt. My daughter surrendered the vehicle around XX/XX/XXXX and they are still continuing to call my phone repeatedly. I spoke with them around XXXX and told them to contact my daughter. They are calling my phone at least 4 times a day. The debt is so old, it shows on neither my daughter 's or my credit report. 

Your assistance with this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: SC

Complaint narrative:
I am a natural human being, I am a living person. I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. 
I demand the accounts below listed to be removed. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CITIBANK, N.A.
State: CT

Complaint narrative:
RE : Case # XXXX This complaint is in response to the lack of a response by Citibank in their answer to my prior CFPB complaint against them, dated XX/XX/2022. Although i am addressing the credit reporting agencies in a separate complaint, I shouldnt have to do that as the only recourse, as Citibank suggests in their response. They are furnishers of information, it is on them to know what data they are furnishing and if they are not certain as to the accuracy of the data they furnish, they are in violation of the law, in particular the FCRA and should cease furnishing such information. 

Citibank claims to have forwarded this alleged account to another company and that they were to notify me of the alleged delinquency. This was reported on my credit without any such notification. Reporting derogatory data is a form of collection activity, yet no notice was made of such activity. Citibank claims the amount owed was {$730.00}, yet they are reporting it as {$770.00}, which it was alleged to be in the hands of this third party company, and yet also the highest balance is listed as {$600.00}. Aside from the aspect that a third-party is allowing charges and interest on the alleged account, it seems there is much confusion on Citibanks part how the amounts listed were arrived at. Also, as Citibank asserts in their response that they forwarded the alleged account to a third party, and encourages me in their response to my complaint, to contact that third party for information related to the alleged account, there is no such account showing on my credit reports. The Citibank listing on my credit reports still shows a balance, indicating Citibank shows that they believe THEY are owed this money, not this third party. If this third party has the account, how are they allowed to charge interest and other fees on it, as Citibank alleges in their prior response? Who is the Holder in Due Course here? 
Again, Citibank continues to insist that the alleged account was closed at customers REQUEST, which is simply not true and is false and misleading. There is no evidence of my having requested to close any such account. 
The furnishers of data here, ( Citibank ), again show no clarity or ability to explain how the data is furnished among the three credit reporting agencies. The FCRA makes it clear that that information must be accurate and complete and Citibank, in their response, has not addressed not only the inconsistencies in the data reporting but the gaps. The alleged account here should be deleted.

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