vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: MO

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-06-25 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: MO

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-24 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: MO

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 2024-06-24 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: MO

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 2024-06-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a Pre-paid card and Bank of America put a late payment derogatory remark on my credit report. You can not have a late payment on a pre-paid card. What ever you put on the card is what your allowed to spend. You don't have to make a payment like a regular credit card because they did not extend any credit to me. It's what ever I put on the card, nothing extra.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
5/3 is refusing to let me access my funds. I am sitting here on my way to work trying to get gas and the customer service rep refused to unblock my card. She repeatedly refused to answer me when I asked if she would unblock it and continued ask me about my granular transaction history to verify random payments. I continued to ask if she could unblock my card but she refused and hung up on me, leaving me stranded without access to my funds. It is unacceptable that they turn on and off my access without notifying me and then refuse to reverse the block when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services ( CCS Commercial , LLC ) has been reporting a collection on my consumer reports which has been tarnishing my reputation and causing me undue hardship. I do not know who this company is. I have never received any type of correspondence from this company stating that I am obligated to pay this company for this alleged debt. I have never done business with this company nor have I ever gave any permissible purpose to this company to have my information, or to report anything on my consumer reports. Nothing was ever validated with me in regard to this alleged debt. CCS has illegally obtained my personal information and chose to illegally report this alleged debt on my consumer reports without verifying the facts of this account and also without providing me the opportunity to accept or reject any validity of this alleged debt.. This company is also not licensed to collect in the state of California where I domicile therefor they have no jurisdiction. Their illegal practices have not been fair. This grave error has violated many federal laws of the FDCPA and need to be rectified ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi advertised the ability to use the Citi Custom Cash credit card instantly via a virtual card that does not require you wait for the physical card to arrive. I have a large purchase that needs made before the card would arrive, which is the reason I went with this corporation/card specifically. I applied yesterday, was approved, and never received a virtual card to be able to use immediately. I called yesterday ( XX/XX/XXXX ) and was told the system was down and I would need to try back later. I attempted again today ( XX/XX/XXXX ) and was told that there was no way to issue a virtual card and I need to wait 7-10 business days for my physical card to arrive.

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 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Ive asked the company twice to stop calling me and I am still getting multiple calls a day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/year> Comenity Bank called I told them I would give them a call to make a payment. The customer services representative agreed, but they still called everyday none stop even on the weekends early in the morning. I won't this company to stop violating rights with the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account XXXX ), Original creditor : XXXXXXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$760.00}. XXXX XXXX XXXX ( Account Number : XXXX ), Date Opened : XX/XX/XXXX. Balance {$2600.00}. XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$1500.00}. XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$0.00}. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$400.00}. I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is participating in deceptive reporting practices. Prior to XXXX, my mortgage was NEVER late. When schools closed in my county due to Covid, I applied and was approved for mortgage forbearance and did not make payments accordingly. In the middle of this period, the loan was sold to XXXX XXXX. 

XXXX initially reported 3 months of late payments in XXXX. When I disputed this and provided proof of deferment, they change the late payment months are reported erroneously. 

Instead of removing the late payments for XXXX, they selected earlier months to report which is fraud! 

Currently, they are reporting a late payment XX/XX/XXXX, the loan was sold in XXXX! 
XXXX, XXXX, XX/XX/XXXX, online payment history and my banking transactions will reflect that this is a lie and late payments in XXXX, XX/XX/XXXX which is also a lie. 

Had this loan been in default at any time PRIOR to Covid XXXX, I would have been ineligble for a forbearance.

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 2024-06-24 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: IL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

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 2024-06-24 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: NJ

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 2024-06-24 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: NJ

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 2024-06-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I Purchased A XXXX SUV Through ( XXXX XXXX ) XXXX NJ during the time of purchase he original tuck price was XXXX and they had me at a 22.99 % percent interest rate which had went up to 35 % which left me paying XXXX by the end of my loan terms I had the truck for 4 yrs since XX/XX/XXXX during a pandemic when from my understanding late fees was haulted and illegal until further notice. My SUV recently got repossessed by the ( Credit acceptance ) which is the company lenders, Also As I went to recover my vehicle they informed to make full payment on remaining balance, which the very first time I called they said XXXX was due to recover it and than when I said I was coming it changed to I had to pay the remainder of the balance which was XXXX when I go to my consumer report it says XXXX which is misleading on my consumer report and also they said I only had 30 days to pick it up before it was sold than said 60 days and the vehicle remains unsold and stilI reporting and damaging my consumer report would like these company investigated and would like these charges removed from any of my personal consumer report and will continue to take legal action.

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 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter in the mail from Fifth Third Bank, dated XX/XX/year>, stating I am delinquent on my mortgage and risk losing my home. The letter states that if the payment had already been made, I should add late charges go the next month 's payment. 
My mortgage is due on the XXXX of the month, but not late if paid by the XXXX. 
I logged into Fifth Third 's website on XX/XX/XXXX and paid my mortgage in full. 
I contacted their customer service on XX/XX/XXXX, when I received their letter, and an agent verified that I am not delinquent on my mortgage. I therefore requested a formal letter in the mail stating the letter I received was both premature and inaccurate. The agent informed me they do not have such a letter and so can not send one to me. A supervisor later informed me he would refer it to the research department. 
For my records, I would like a formal letter from Fifth Third stating their delinquency notice was sent in error. I would also like Fifth Third to rescind any reports made to credit bureau stating I am delinquent on my mortgage. Finally, I would like any late fees assessed to my account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had identity theft starting in XXXX of XXXX. My XXXX phone acct was hacked. That was taken care of. I then found out a XXXX credit card in the amount of {$5000.00} was taken out in my name and packages were being ordered and rerouted from my home to XXXX and XXXX stores and being tracked and taken off the XXXX  XXXX truck in my neighborhood. We only found that out after we received a letter in the mail notifying me this the XXXX credit card which I had shut off immediately. After which my PayPal acct was hacked into and on XX/XX/year> a {$2100.00} laptop was purchased. The thief that purchased that computer tracked that computer from XXXX on the XXXX truck until it reached closed to my neighborhood and intercepted off of the truck and made away with it. I only found out about it after it showed up on my statement the follow month. Then I called PayPal to dispute this and they told me I had purchased this because it was delivered to my home. We were home and a computer was never delivered to my home. I was under the impression it might have been one of the items that might have went to XXXX or XXXX because I could never get anyone to call me back or talk to me. Finally on XXXX during-one of my monthly calls to PayPal it came out the XXXX  driver said the computer was delivered to our home. I was flabbergasted. So I went and made a police report and went to XXXX. Where they said they had a rash of drivers giving packages to people off the trucks. I got the paperwork for the computer and all this paperwork from XXXX, XXXX, the police report and XXXX has been Faxed and Mailed 3 times to PayPal. They have continually opened and closed this case and always came back and said I have to pay. I have given them all the proof of my identity theft

Company response to consumer: Closed with explanation