vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Capital placed a hard inquiry for what appears to be a Sephora account. I did not sign up for anything at Sephora, nor did I apply for a card. This inquiry happened on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/ PNC said there was a delay and would have my deposit by XXXX XXXX yesterday and still no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Student Loans used me as a co-signer without my Authorization. I was unaware of the situation until the missed payments on the loans and Discover reached out to me for payment. I had a conversation on XXXX XXXX XXXX ( they won't give their last names ) where she gave me the following information on the loans : 1st Loan XXXX opened XXXX XXXX current balance is {$10000.00} balance as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  current balance is {$4900.00} balance as of XXXX XXXX XXXX XXXX XXXX I asked how the Discover loan officer and the borrower could use my information without my consent. Discover would like me to open a police report and file a civil lawsuit. I am more concerned about how many victims are going through what I am going through regarding inadequate processes at Discover Student Loans to obtain approval. It's similar to the Banks XXXX XXXX XXXX XXXX XXXX XXXX  etc. ) opening up accounts without the owner 's consent. I called to follow up today, XXXX, and spoke with XXXX ( they won't give their last names ). She told me that XXXX was the investigator assigned to my case and was told to file a police report and resolve the problem in civil court. I asked to speak to a supervisor, and no one was available to escalate the situation, giving me no choice but to file a formal complaint with the attorney general of Utah, as the corporate office is located in Utah. I genuinely believe that I am in the situation I am in right now due to the lousy process and procedures being allowed to get loan approval at Discover Student Loans. 
This is becoming an issue now as it will prevent me from purchasing a new home. 

I have also reached out to the Attorney General of Utah with a formal Complaint.

the investigator recommended I open a complaint with the FTC which I am doing now. they also mentioned " XXXX refused to speak with me without you on the telephone. I am still trying to get some information regarding your account. According to the person I spoke to, the telephone I gave them XXXX XXXX XXXX XXXX  does not relate to any loan in their system. they will attempt to send a second letter to XXXX and we'll see what happens. '' it's funny how Discover student loan tells the investigator that my number does not come up in the system while they call me to collect every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone tried to open a credit card account in my name through XXXX XXXX on XX/XX/. I found this in my Identity Alert /Experian. I called XXXX in XXXX to inform them of this issue.

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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
I submitted my IDR application XX/XX/, according to studentaid.gov, EdFinancial received my paperwork on XX/XX/. On XXXX, I submitted a form through the contact us section of their website asking for a follow up. This was after I was on hold for 2 hours and the line was disconnected before I could speak to a representative. On XX/XX/ I was able to get connected to a representative that stated I needed to wait 20 business days but that they had everything they needed from me. On XX/XX/ I received an email response to my contact us submission advising to wait 22 business days. On XX/XX/ I followed up, as that had been 35 business days from XX/XX/. They never replied to this follow up. I called again spoke to XXXX on XX/XX/, who advised that my application was incomplete. He completed it with me over the phone and advised me to make {$10.00} payments, ignoring what the EdFinancial website stated was due. Today is XXXX  and EdFinancials website is still reflecting my payment amount as incorrect and I am past due. I am hoping that I will be able to get this resolved for find a solution through the CFPB. There were more phone calls, longer wait times, and no call backs but I didnt record the dates for those.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited two checks into chase bank. they were my XXXX XXXX XXXX I have POA. 
as for he is XXXX. bothe Checks cleared and we're in account.. I was able to take out The one check {$1800.00} amount. 
Then they froze my account.. The Fraud department froze my account saying they needed third Party verification.. Wich is impossible because he is in jail I asked them to return the XXXX XXXX to the XXXX who issued the check This check is also {$1800.00}. They said No ... I asked them to send XXXX a Cashier 's check... They said No ... They said they were going to keep the money ... because they could not do the third party verification.. XXXX has had not had a cell phone or land line in years .. so even if he was not in XXXX.they could not do the verification ... also they closed My account... when I gave them the power of attorney they scanned it into my New account. 
Someone from the fraud department will not realease the money...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
We were victims of identity theft. XXXX XXXX of our savings accounts were drained from someone adding an external account in my name and connecting them to our USAA savings accounts. On XXXX XX/XX/XXXX, we noticed a withdrawal of XXXX which was all we had in our savings. I notified the bank on XXXX XX/XX/XXXX that someone withdrew our XXXX. During the dates of XXXX XX/XX/XXXX someone made multiple deposits and withdrawals totaling a deficit of XXXX in one account and XXXX in the other. In total including the XXXX which was in our savings, we incurred a total loss of XXXX. I am not certain why USAA did not freeze the accounts like they froze us out of our accounts. Worst of all, USAA is holding me couplable. They have frozen our accounts to include our checking account which has all my direct deposits from my military pension, XXXX and civilian employment. Subsequently, we were forced to open a bank account outside of USAA. As a result, changes in our direct deposits will not take effect until the month of XXXX which will result in late payments for all of XXXX 's bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I was in a accident in my car XXXXXXXX XXXX my vehicle was then totaled out XX/XX/ by the insurance company. In which the money gained was used to pay of the loan fees and interest. since XXXX a mariner finance has not updated their reporting efforts as paint in full and good status. which has been a negative on my credit profile since XXXXXXXX XXXX XXXX. I SUBMITED my APPLICATION in XXXX XXXX the loan obligation that I held was not very long at all but yet they continue to report negatively on my consumer credit profile. I've asked all three credit reporting agencies to do and INVESTIGATION but they have yet to show me results or any information they attained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I spoke with GM/Cadillac Priority Care in regards to my Cue device several times. The Cue device is the central unit that controls, the radio, temperature, blue tooth settings, entertainment etc. The screen has been webbing ( delaminating ) for sometime now. I am not sure why not but this issue should have been under recall. Additionally, there is a lawsuit against GM in regards to this matter. I have also, reached out to GM Financial in regards to this. This issue is a factory defect. The dealership wants to charge me {$350.00} to repair. Nothing against the dealership that I go to they are amazing, but I should not have to pay for something that is a factory defect ( well known issue with these devices ). I have not been able to properly use my vehicle in moths giving the intermittent functionality of the Cue screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
On Tuesday XX/XX/ I spoke with XXXX XXXX an associate at US Bank who states that my loan was past due to my surprise when I was on auto draft but they erroneously charged off my loan due to ach issues on bank account linked due to fraud. I explained this to XXXX and he said to send {$1500.00} cashiers check and it would be be charged off so I did and have proof of check sent and delivered and XXXX XXXX confirming he saw delivery receipt but charging off loan anyway despite me paying off the whole loan all together. 

They deceived me and frauded me. Im requesting my credit report be updated to remove the charge off, loan paid in full, on time payments and requesting a check from them for XXXX since I had to oat off the entire loan excluding that since they never acknowledged that check.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief