vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Fraudulent credit card applied under my profile. Received a letter from XXXXXXXX XXXX XXXX thanking me for opening up XXXX XXXX Account XXXX. I contacted and they couldn't close the account but also told me a Bank of America application was processed as well.

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 2022-11-09 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: CL Holdings LLC
State: KY

Complaint narrative:
I settled my balance with jefferson capital for XXXX XXXX XXXX for XXXX and disputed it off of my credit, but they still have it showing as charged off and I never paid anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK
State: TX

Complaint narrative:
Mechanics Bank XXXX XXXX first called me to collect on an auto loan payment that was missed in around XXXX. When the agent called he did not properly verify who he was speaking to and gave all my information to someone who was not me. I spoke with two managers XXXX and XXXX about this issue. XXXX assured me he listened to the call and coached the agent stating the agent asked for the last name of the client and assumed since the last name was the same it was the correct person. I later spoke to XXXX who said he is a manger also and will handle my account. I received another call today XXXX at XXXX and AGAIN the agent from Mechanics Bank just gave all my account details and information to someone who was not me. When I got on the phone and advised the agent she began to get upset with me and stated she will get a manager. She placed me on hold for more then 5min with out checking back with me and I decided to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions 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 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 non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have made several attempts to resolve things with Equifax but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent Equifax. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL XXXX CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. EXPERIAN STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE 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 2022-11-09 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: 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 XXXX 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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH TRANSUNION WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS.

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 2022-11-09 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: HW Holding, Inc
State: MI

Complaint narrative:
XXXX XXXX has not verified the debt they have falsely claimed I owe but XXXX continues to report it is verified. Ive reported this several times since XXXX. Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Phone : XXXX Auto Loan Amount : {$16000.00} Defaulted XXXX, XXXX  Supporting letter attached Car was repossessed Numerous attempts to have this removed from my credit reports, as this was defaulted over 7 years ago now. No resolution through company or credit reporting agencies. Regional acceptance does not show charge off amount or correct dates of default, does not report that far back.

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 2022-11-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inquiries on my report that I did not initiate. I am trying to repair my credit so I can purchase a home and I have not allowed my credit to get looked at. I have received several alerts about my information being used on the XXXX XXXX and have been getting calls about someone trying to use my credit card as well. I really want these inquiries removed immediately so I can continue to monitor and repair my credit for future purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several inquiries on my report that I did not initiate. I am trying to repair my credit so I can purchase a home and I have not allowed my credit to get looked at. I have received several alerts about my information being used on the XXXX XXXX and have been getting calls about someone trying to use my credit card as well. I really want these inquiries removed immediately so I can continue to monitor and repair my credit for future purchases.

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CO

Complaint narrative:
received a letter from a company called LexisNexis Risk Solutions stating I have 4 negative reports on my file. I checked my credit history and there are no reports of any kind. They want me to go online and get the report but I will not pay for something I can get for free, nor will I call them due to the fact they most likely will continue to call and harrass, as other companies have done. This is an on going problem with me, I keep getting calls and letters and I do my research and find if the companies are legit. Any help will be appreciated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been the victim of identity theft in XXXX and XXXX. I have had multiple attempts of fraudulent activity using my stolen identity to open credit cards, XXXX accounts, checking accounts and had my phone number remotely stolen. I have still an unresolved hard inquiry still showing on my credit reports that are affecting my credit score and I would like this removed. XX/XX/XXXX - Comenity Bank, XXXX XXXX XXXX fraudulent attempt to open a credit card at XXXX XXXX department store. I have never been to a XXXX XXXX department store in my life, nor have I tried to open an account with them. I did dispute this inquiry with Comenity Bank and they did confirm this was unauthorized. They sent a letter confirming this fraudulent activity on XX/XX/XXXX and they wrote they would notify all credit bureaus. However, XXXX and XXXX still have not removed this hard inquiry and both requested I fill a dispute with FTC.gov. I have tried multiple times as well this year to contact XXXX XXXX directly as well but they do not answer their phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: TX

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquantained or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still NOT reporting accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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. 

Account name : Account # : 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 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 instruction 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 2022-11-09 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: AR

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. 

Account name : Account # : 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  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 instruction 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 explanation
Consumer complaint received 2022-11-09 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX charges were made on my PNC XXXX in equal amounts of {$2200.00} to XXXX XXXX, XXXX. Upon notifying the bank that these charges were fraudulent I was asked if my address was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. This is NOT my address and has never been my address. The bank representative at that time claimed my address was changed through the XXXX. A different representative that same day said that information was not accurate. These charges were removed and did not post to the account. I am making this complaint to provide a record of this fraud and have added additional security measures to my account and credit bureaus. 

A few days later my address was changed again to XXXX XXXX XXXX XXXX, XXXX XXXX. 

I canceled the credit card and requested a new card which was received in an unsealed envelope so I canceled the credit card again and have requested a new one once more. This card has still not been received but was said to be sent to local PNC branch for security purposes. I received a tracking number yesterday from the bank and should be able to track down my card with this information. 

Concerning this fraud and identity theft, I have filed a police report with my local authorities, the XXXX XXXX Police Department, report # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello XXXX XXXX here, this complaint is regarding a dispute filed against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I filed a dispute through Care Credit/Synchrony Bank regarding XXXX XXXX XXXX  not satisfied. 

I call XXXX XXXX XXXX two weeks after service done on XX/XX/XXXX that my XXXX  were not XXXX as promised they would be. I left several messages and I received no response, and so I filed a complaint with Care Credit on XX/XX/2022. 

I received several text 's and call 's from XXXX XXXX in XXXX, and when I called her back thinking that they were willing to work with me, instead it was a threat to call off the complaint or they will get there lawyer on me. 

The final decision was granted in there favor foXXXX XXXX XXXX XXXX XXXX. I was sent an email with a XXXX  file that I and Care Credit support help was not able to open file. 

I was told that they would send it out by mail due to unable to discuss over the phone. I have been calling Care Credit for over three months now, and I still have not received letter of narrative describing why my complaint was denied and giving in the favor of 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 2022-11-09 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: EQUIFAX, 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 XXXX 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 explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
on XX/XX/XXXX i checked my personal credit report and noticed that there are several erroneous pieces of information that are currently reporting. I did not apply for these accounts or give anyone permission to apply for any accounts using my name or social security card. the first account is acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} i currently dont have any information about how this information came to be on my credit profile but i will be using this document to file a police report today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation