vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a mailer in the mail from Fifth Third Bank stating that if you open a new Momentum Checking account and fund it with {$15000.00} and keep the balance for 90 days, you will get {$600.00} bonus. 

I went to the nearest branch of Fifth Third Bank at XXXX XXXX XXXX, XXXX, IL XXXX on XXXX and met with XXXX XXXX, Retail Personal Banker ( XXXX ) XXXX and provided the offer code flyer. Accordingly, she opened my Fifth Third Momentum Checking account and funded with {$500.00} intially and further deposited {$15000.00} on XXXX fulfilling the funds requirement. I kept the funds for 90 days and I am still maintaining the balance of {$15000.00} as on date but bank has failed to deposit the bonus amount of {$600.00} even after 6 months. 

I went in person several time to the branch & met with XXXX XXXX ( Retail Personal Banker ) and XXXX XXXX XXXX ( Personal Center Manager ) several time and complained about it. They have promised to resolve the issue & credit {$600.00} bonus but nothing has been done so far. 

I have left messages for both XXXX XXXX and XXXX XXXX XXXX several times but no one has bothered to return my calls. I was made to wait for more than XXXX hours by XXXX XXXX XXXX XXXX in first week of XXXX when I visited but did nothing to resolve the issue. I called Fifth Third Head Quarter for help & they transferred my call to branch and I left a message for XXXXXXXX XXXX XXXXXXXX & they did not bother to call me back. 

I have come to the conclusion that bank staff has been harrassing me as a consumer and not willing to resolve my issue of {$600.00} bonus as per the banks offer. I humbly request you to investigate the matter, bank staff and bank 's practices to stop the harrassment of small consumers from corrupt practices of BIG BANKS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
FCRA 605B seems to mandate the removal of incorrect accounts from my credit report. Could you verify the documents? There are inaccuracies in some of the accounts, including incorrect amounts and dates.

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 2024-05-23 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: NRA Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx, XXXX National Recovery XXXX XXXX XXXX number XXXX I am reaching out in regards to two collections in the amount of XXXX and XXXX From early XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), a collector should discuss a past due debt with the minors parents. At the time of the collection I was not even of legal age to consent or be held responsible. If you do not delete these charges off of my report, I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2024-05-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I deposited {$250000.00} with Webster Bank ( XXXX ) XXXX year ago. My XXXX year XXXX matured and I requested the funds be returned to me. They said OK but it has now been over XXXX weeks and they have not returned my funds. I emailed XXXX times through their client portal and I have called XXXX times. On the phone calls, they have told me the same thing each time -- wait a few days. The response to my email was " we are having trouble with XXXX transfers ''. They tell me not to worry because I am getting interest but I need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX declined my block of information without properly verifying the fraudulent accounts. Equifax and XXXX also failed to follow federal law under 15 USC 1692g. Because of these recurring problems, I have lost confidence in the banking system and have dealt with the hardships of inaccurate reporting. This has damaged my general mode of living and my livelihood. I have been unable to take advantage of consumer credit because of ( XXXX, EQUIFAX, and XXXX ) willful noncompliance and knowingly violating my consumer rights have stopped me from receiving goods, services, and personal property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. 

NAME THAT IS NOT MINES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have over years and years trying to remove these things on my credit report and hard inquiries that should have came off immediately and keep reporting stuff without my permission or my signature

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 2024-05-23 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious too my Credit score. 
Account Number : XXXX XXXX XXXX XXXX Account Name : 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 2024-05-23 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: TN

Complaint narrative:
Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately : ( 1 ) XXXX XXXX XXXX Balance : {$XXXX} ( 2 ) XXXX XXXX Balance : {$XXXX} ( 3 ) XXXX XXXX XXXX  XXXX Balance : {$XXXX} ( 4 ) XXXX XXXX Balance : {$XXXX}. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.

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 2024-05-23 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: TN

Complaint narrative:
Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately : ( 1 ) XXXX XXXX XXXX Balance : {$XXXX} ( 2 ) XXXX XXXX Balance : {$XXXX} ( 3 ) XXXX XXXX XXXX XXXX Balance : {$XXXX} ( 4 ) XXXX XXXX Balance : {$XXXX. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have over years and years trying to remove these things on my credit report and hard inquiries that should have came off immediately and keep reporting stuff without my permission or my signature

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have over years and years trying to remove these things on my credit report and hard inquiries that should have came off immediately and keep reporting stuff without my permission or my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent several goodwill letter regarding my late payments but I have not heard back regarding this matter. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I submitted a loan consolidation application with XXXX on XX/XX/XXXX. On XXXX I called Aidvantage ( the loan consolidation company ) ( XXXX XXXX XXXX ) to cancel my loan consolidation application. I was told on XXXX via customer service they would cancel my loans. I called again on XXXX and Aidvantage confirmed they would cancel my consolidation application. I checked XX/XX/XXXX and noticed my loan consolidation application was still not cancelled. I called Aidvantage again on XX/XX/XXXX to ask why it has not been cancelled, they said they have no record of me calling and that I was not able to cancel my loan consolidation unless I emailed XXXX ) XXXX. Even though I have emailed that email address for XXXX days now, no one has responded. 

I noticed on XXXX some of loans are gone which confirms further that aidvantage is processing my consolidation even though I told them not to. Aidvantage is intentionally ignoring my emails and refuses to cancel my loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
This is not my debt, as shown from my XXXX XXXX documentation

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 2024-05-23 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: GA

Complaint narrative:
This is not my debt, as shown from my XXXX XXXX documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: GA

Complaint narrative:
This is not my debt, as shown from my XXXX XXXX documentation

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 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
Debt was moved from original creditor to XXXX part collection agency without notice, paymemts where being made on original creditor site than unable to make paymeny and received noticed from collection agency regarding possible suite to collect debt. Action requored prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. These items are not transactions conducted by me as a consumer.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. These items are not transactions conducted by me as a consumer.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NV

Complaint narrative:
I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Transunion credit bureau has failed to take appropriate action and continues to report them. 
I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 
XXXX XXXX XXXX and 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 2024-05-23 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: FL

Complaint narrative:
I understand that FCRA 605B requires the removal of incorrect accounts from my credit report. Can you verify the documents? Several accounts have been inaccurately reported, with wrong amounts and dates.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made timely payments on this account and never let them become overdue. I am unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've made sure that all payments on this account were timely, avoiding any overdue status. I am confused about the reasons for the late payment reports on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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