vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have addresses on my report that doesn't belong to me, and my name is also spelled incorrectly. This is inaccurate and its hurting m ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have addresses on my report that doesn't belong to me, and my name is also spelled incorrectly. This is inaccurate and its hurting m ability to get 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 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This account is show 5 missed payments. I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a collection account with XXXX XXXX XXXX as open with a balance when the account has a {$0.00} balance and has been closed. I submitted a letter from XXXX stating I have a {$0.00} balance and that my account is closed and that they will request my information updated as such with the credit reporting agencies and derogatory information would be deleted. XXXX XXXX and XXXX  have since deleted all information from XXXX XXXX from my credit report yet Experian refuses to do the same. I opened a dispute before I had that letter and Experian rejected my dispute once I received that letter I uploaded it in support of having new information to support my dispute but they still insist that account is open with a balance of {$750.00} I have a letter from that company saying the opposite they say my account is closed and I owe them {$0.00} but Experian wont accept it. It gets removed from my account next month because of how long its been on my report but it isnt fair Experian wont comply.

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 2021-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I have contacted this company and the credit bureaus about this matter, however I have been ignored by both. I send certified letters to both and no resolution. The company has not responded to why they are reporting this on my consumer credit report. 
Also, this company is increasing the amount owed each month on my credit report. Isn't that illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I made two transactions from Xoom XXXX Application which were cancelled the same day. No refund has been made since XX/XX/XXXX. Today 's date is XX/XX/2021 and still no refund has been made to my chase checking account. The two transactions are the following transactionsXXXX with the amount of {$160.00} USD and transaction XXXX of {$160.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
I saw an address on my credit profile that does not belong to me. Ive never lived at, nor am I familiar with the following residence : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 

I sent in my ID, social security card, and utility bill to demonstrate my current address, but was told that my problem could not be resolved.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I lost my job at the time and let them know my situation, I tried to resolve the matter with small incremental payments but I then moved and the account got sent to collections anyway and is now hurting my credit and not allowing me to finance a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
I saw an address on my credit profile that does not belong to me. Ive never lived at, nor am I familiar with the following residence : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 

I sent in my ID, social security card, and utility bill to demonstrate my current address, but was told that my problem could not be resolved.

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 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, Plusfour , Inc. reported a collection account for XXXX XXXX in the amount of {$540.00} on my credit bureau file. In XX/XX/XXXX, I sent a letter to Plusfour disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Plusfour disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Plusfour has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Plusfour is not a licensed collection agency in the state of Florida. Additionally, they have violated multiple FDCPA laws. Plusfour has a long history of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. Plusfour has been the named defendant in a multitude of lawsuits filed in the United States District Court, XXXX Nevada. The lawsuits were filed by consumers due to fraudulent business practices and violations of federal and state law. Plusfour has 138 complaints filed against them with your organization., Plusfour Inc. currently has an F rating with the XXXX XXXX XXXX with multiple unanswered complaints. Additionally, I am a permanent residence of Florida and Plusfour is not a collection agency in Florida as required by law. I am requesting that this company be investigated and that the account be deleted from my credit Bureau file 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 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
SEQ FIN SVCS XXXX {$450.00} XXXX Medical  Accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021

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 2021-01-24 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:
Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX  XXXX Inquiry Date : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: ERC
State: DE

Complaint narrative:
Enhanced Recovery collection placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX  or whatever it is reporting. 

XXXX XXXX ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Sometime in XX/XX/XXXX, I noticed that {$7500.00} had been added to my checking account at Navy Federal Credit Union. I wasn't sure about how those funds were added because the regular deposits I have sent to my savings account plus COVIN money was approximately that amount. Then I discovered that the {$7500.00} was sent to my checking account from my Credit Card account. Then I discovered that my checking account was charged {$32.00} for interest on the {$7500.00} loan. I never applied for a loan. I did not want a loan because I did not need a loan. I had several telephone calls with NFCU all with unsatisfactory results. I requested NFCU to cancel my Credit Card account. I then destroyed my NFCU credit card. They ignored my cancel request and sent me a new credit card. I destroyed the new card without ever using it and made another request to cancel my credit card. My request to close my credit card account was finally honored and the {$7500.00} and {$32.00} interest transactions were reversed. At present my savings account and my checking account are frozen. This occurred some time in the beginning of XX/XX/XXXX. I use my NFCU checking account to pay bills online and my saving account receives funds from several income I receive monthly. NFCU claims my accounts have been frozen to protect my funds, but now I am facing late payment charges from my creditors and a lessening of my credit rating. I need to have my accounts unfrozen so that I can close all my NFCU accounts and transfer my funds to a different bank. Yesterday, XX/XX/XXXX I received a letter from NFCU that didn't make any sense at all. I will attach it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
About 6 months ago wellsfargo said I was deceased and closed my account with about $ XXXX, after having the account since XXXX. After providing them all the info to show in was infact living, they opened my account but left me with no access because if a 2factor issue and they claiming the issue needed time. After about 4 days recieved notification that all my accounts were closed and in 30 days or so i would recieve what ever funding that was mine and the rest would be returned to clients. As of yesterday i checked my accounts, and all the funds are still in my accounts and they are just holding life savings, clients and my unemployment and with out anyway to recieve them. i have been XXXX  XXXX, and at this rate ill be XXXX before the money that might save me or at least keep this going becomes available. 
make matters worse i cant open a new bank because j cant get verified anywhere.

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 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XX/XX/XXXX a XXXX  XXXX  payment of {$1200.00} was made to a XXXX  XXXX XXXX and a XXXX XXXX to XXXX XXXX or XXXX fraudulent withdrawals made from my checking account I went to the bank after being alerted by XXXX XXXX XXXX that fraudulent transactions was being made from my checking account and the XXXX XXXX XXXX shut my debit card and checking account down and had me to dispute the charge that wasnt mine and send me a new debit card and blocked the old checking account and gave me a new account number. I went Regions Bank and was told by the bank clerk that it was anything she could do because the transactions were pending. I kept telling that I didnt authorize these payments and didnt know who these people was. So I shut my debit card down and online banking with the Regions bank. I went to the bank several times with no results the last time I received a letter that stated I participated in, allowed, or otherwise authorized this use of my online credentials in other words this XXXX XXXX year old female that is living on a fixed income stole my own money. The bank letter stated that based on the following findings we have determined not to provide any credit to my account for the transactions. I have been a customer of Regions l since XX/XX/XXXX over twenty two years and was with XXXX XXXX  before they merged with Regions for over ten years. The part that hurt me the most was the clerk told me couldnt block a pending payment or charge. Help me please because I really need my Social Security Benefits to be able to pay my household bill, buy my medicine and grocery.

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 2021-01-24 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:
Dear Sir or Madam, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The Wells Fargo XXXX credit card was settled back in 2018 and is still showing on my credit report even though it has been over 2 years. Wells Fargo is also still reporting to the credit bureau even though the account is closed, I would like this account closed and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
Dear Sir or Madam, I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried every which way to resolve this almost a year old dispute with Citi to no avail. 

It appears I am getting the runaround. I put the charge in dispute within the 60 days window but Citi keeps insisting to resolve with the merchant. 

The merchant appears to no longer exist and I have reached out to Citi several times and they keep coming back with the same old response like below ... 

" Please clarify if you cancelled with the merchant or the merchant cancelled the reservation. In addition, please provide a timeline of your dispute, the date the reservation was booked for and when the reservation was cancelled, and the dates you attempted to contact the merchant and the merchants response to your request for credit. So that we may further assist you, please provide the requested information by XXXX XXXX, 2020. '' Or like below ... 

" As explained in our letter dated XXXX XXXX, 2020, because we did not receive the information requested in our letter dated XXXX XXXX, 2020 regarding the cancellation of your trip, we did not have sufficient information to continue with the dispute. Therefore, it will be necessary for you to continue to work with the merchant to resolve your concerns. '' I have also tried to call several times but no one responds so I am frustrated. 

This is the 2nd time I am filing a complaint to CFPB on the same issue. The CFPB complaint id for the first time around is XXXX. 

Please help. 

I will also try to reach out to my Senators and congressional representatives regarding this issue. Consumers need protection when there is a clear case of non-compliance. 

I am attaching all the docs and correspondence as reference. 

Regards, 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 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the Equifax Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.

Company response to consumer: Closed with explanation