vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I sold my car to XXXX on XX/XX/XXXX. When I sold my car to them, I sold it for {$22000.00}. I still owed {$20000.00} to XXXX bank so XXXX wrote me a check for the difference that day ( {$1800.00} ) and planned to disburse a check to XXXX for the remainder of the loan. I had an upcoming payment on the loan that XXXX advised I pay and I ended up ( by accident ) paying {$1500.00} towards my car loan before XXXX sent their checks. 

On XX/XX/XXXX, XXXX sent XXXX checks to XXXX bank to cover the balance of my auto loan : Check # XXXX In the amount of {$20000.00} and Check # XXXX in the amount of {$24.00}. I tried to request that XXXX sends copies of these checks, but didn't have luck other than getting the check numbers. 

XXXX bank only records receiving a check in the amount of {$18000.00} on XX/XX/XXXX. XXXX bank has told me on multiple calls that I should not expect to receive a refund for any overage received because XXXX bank does not record receiving an overage. Given these amounts, there is still an outstanding amount owed to me, the consumer, of roughly {$1500.00}. 

I believe that I am owed a refund for the overage received by XXXX bank. XXXX claims to have records of sending the correct amounts. I have talked several times with XXXX bank and they asked for the check reference # s to be sent to XXXX, which I sent on XX/XX/XXXX and still have not heard back. Each time I call is increasingly unhelpful. 


Here are my references for this case at XXXX bank. 
XXXX Account # : XXXX Request # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via XXXX XXXX. All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency ( IRS )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via XXXX XXXX  All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency ( IRS )

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 2024-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Monarch Recovery Holdings, Inc.
State: OR

Complaint narrative:
This company continues to call me and won't leave a message so I know what kind of company they are, and they continue to call every day. I am on XXXX XXXX from work, and don't have an income right now, so I'd like them to stop trying to collect any debts that I don't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XX/XX/year> I closed on a HELOC loan with FNB for XXXX at a rate of 7.9 %. On XX/XX/XXXX, I advised FNB that I was going to be mobilized starting XXXX XXXX and was requesting SCRA benefits which would lower my interest rate to 6 %, to XXXX XXXX Assistant Branch Manager at the FNB where I opened the loan. On XX/XX/XXXX, I received a response from XXXX stating that they can not process SCRA until I am back on XXXX XXXX status which would be XX/XX/XXXX. XX/XX/XXXX I sent XXXX another email asking for her to again submit for SCRA benefits on my behalf. She responded via email on the XXXX of XXXX stating that she will submit the request on the XXXX of XXXX. I received a letter by mail dated XX/XX/XXXX, stating that I am not eligible for SCRA benefits, stating that I was on XXXX XXXX status XX/XX/year>, prior to opening the HELOC. XX/XX/XXXX XXXX sent an email to XXXX XXXX who sent the letter, stating that the date they have for my active service was wrong, and I included a copy of my mobilization orders, which I did for the initial request. I received an email from XXXX on the XXXX of XXXX stating they are reviewing my request with their legal team, and they will reach back out within XXXX. On XX/XX/XXXX I received an email from XXXX stating they need more time to research the issue. That was the last communication I received from XXXX or FNB. Upon receiving the email on the XXXX I sent XXXX another email requesting what the issue is holding up me receiving my benefits and if no action is made I would file complaints with various institutions. The last email I sent was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts : XXXX 2- Unauthorized inquiries : XXXX XXXX XXXX on XX/XX/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  on XX/XX/XXXX 3- Inaccurate employment : XXXXXXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-26 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: SC

Complaint narrative:
CREDIT BUREAU : EQUIFAX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : 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  EQUIFAX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD XXXX  DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EQUIFAX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EQUIFAX HAS XXXX  DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF EQUIFAX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EQUIFAX XXXX FILE NUMBER 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  FORMS TO AUDIT CONSUMERS ACCOUNT. EQUIFAX IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: CT

Complaint narrative:
On XX/XX/2024 XXXX Bank unexpectedly shut down my business account without providing any explanation. Despite my efforts to resolve this issue, their customer support informed me that they can not assist because I am no longer a client. I was directed to XXXX 's security team, which only offers an email contact and lacks a phone number. I sent an email to the security team and after days of waiting for a response, they finally got back to me and told me that they needed supporting documents or invoices proving that XXXX incoming wires to my business were valid transactions. On the same day, I responded to them with attached invoices proving that my wires were valid and legit transactions. It has been more than XXXX  days and I have yet to hear from them. This is an urgent issue for me and my business in order to provide for me and my family however they are not responding to me and not taking this seriously at all. My attempts to call XXXX again were met with my number being blocked. I urgently need clear communication regarding when I will be able to access my funds to continue operating my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 non-monetary relief
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-08-26 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: TX

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :

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 2024-08-26 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: TX

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :

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 2024-08-26 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: EQUIFAX, INC.
State: WI

Complaint narrative:
late payment XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX not my account NOT my account opened fraudulent XXXXXXXX XXXX XXXX Not my account opened fraudulent XXXX XXXX XXXX  Not my account opened fradulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
late payment XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX not my account NOT my account opened fraudulent XXXX XXXX XXXX  Not my account opened fraudulent XXXX XXXX XXXXXX/XX/XXXX Not my account opened fradulent

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NC

Complaint narrative:
I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


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 non-monetary relief
Consumer complaint received 2024-08-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX account balance increased Between XX/XX/year> and XX/XX/year>, your XXXX XXXX  account balance increased by {$160.00} from {$8600.00} to {$8800.00}. 

This company continues to report inaccurately on my reports and prohibiting other creditors from considering me when I've applied for credit. 

This debt was included in a recent bankruptcy case that was dismissed XXXX.Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
From the Date of XX/XX/year> to XX/XX/year>, my banking account was close along with credit cards of Capital One. I had fair credit but the banks didn't like me you using peer to peer services like XXXX  or XXXX. 

My accounts of XXXX XXXX XXXX and XXXX XXXX XXXX was in good standings. The other accounts credit cards close to max out. 

I think it was some type of discriminative decision making going on with the closing of my Capital One 360 and Credit Cards. Someone target my name and information may had be seen from a representative that hates me personally.

Company response to consumer: Closed with explanation