vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-04-01 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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:
XXXX RISING FAST M XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COVERT XXXX XXXX XX/XX/XXXX COVERT XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX WORLD ACCEPTANCE - G XX/XX/XXXX COMPENTYCAPITAL/MPRC XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX REGIONAL ACCEPTANCE ( BANK ) XX/XX/XXXX CONSUMER PORTFOLIO SERVI ( FINANCE ) XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX DO ( AUTO ) XX/XX/XXXX ODE/KIA XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX STEPSTONE XXXX ( XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
One business loan  account ending with XXXX that doesn't belong to me is reflected in my credit report by equifax only ( not by XXXX, XXXX or XXXX ) and it has damaged my credit score to a considerable extent. The Equifax credit bureau doesn't seem to bother about my repeated emails to remove the said account from my credit report.Due to this, I am suffering a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone opened the following credit card accounts XXXX XXXX, XXXX card in XXXX. XXXX credit card in XXXX, consolidation capital in XXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/23 I lost my wallet, which had my debit card in it. I immediately went to PNC Bank to shut down the debit card and get a new one. I was told the old card was shut down and I would be credited for the {$980.00} purchase that had been made at a nearby XXXX store that day. 
The card was NOT shut down for another 2 weeks, and even tho I reported my wallet lost PNC chose to ignore that and insisted that the card was in my possession at the time of the purchase. They refused to give me back my money, without doing any investigation whatsoever. I still don't have that money, and it's been nearly 2 months. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2022, I lost my Citi Premier card when traveling abroad, and I attempted to get a replacement. I did so by setting the address on the card to a foreign address where I was traveling and requesting a card. 

Somehow, this set the address for all my cards to the foreign address. I was only able to catch this in XX/XX/2022, and so I reset the Citi Premier card address to my US address. Unfortunately, I did not notice that the rest of the cards still were at the foreign address, which was incorrect as I have a US address. 

This caused all the cards except the Citi Premier card to be closed in XX/XX/2022. I tried calling and starting a support case to reopen the cards, but was not able to. 

I know with Citi there is a 90 day timer from when an account is closed to use the points or lose them. With Citi, they are all pooled into one account and it is hard to tell how many and when they are expiring. The rewards page only said : you have XXXX points expiring. I tried to use up the points that said were expiring, but it would still just say : you have XXXX points expiring. I repeatedly tried to use the points, but the message would never go away. I called into Citi to ask how many points were expiring, and they could only tell me XXXX points were expiring. After attempting multiple times to use up all the expiring points and the message never going away, I stopped. 

I had XXXX points as of XX/XX/2022, and then afterwards I had XXXX points or so when they expired. I don't believe this is fair because I was never given an accurate number of how many points were expiring. Furthermore, closing the accounts was not fair given the foreign address was set accidentally just to get a new card. 

I've started a few support cases with no resolution. 

Customer support case ids : 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 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've Disputed information TransUnion is showing on my credit report about 5 times now without resolution. I have also contacted the creditor/court as the source for this XXXX XXXX information to verify they are not the source of the inaccuracy. The USBK Court of Maryland has been reporting the correct information all along which XXXX and XXXX have used to update my credit report, however TransUnion continues to fail to display accurate information. Specifically they have report that docket # XXXX has an estimated removal date of XX/XX/XXXX even though the USBK Court of Maryland terminated this case early on XX/XX/XXXX due to creditor fraud on the only outstanding debt in the case court determination and discharge on XX/XX/XXXX. Their court clerk/representative and website ( XXXX ) all have confirmed that the case was completely closed out with final decree issued on XX/XX/XXXX. I have even mailed in the court paperwork to TransUnion but they have continued to leave XX/XX/XXXX as the estimated closure date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I disputed with XXXX boneville collections years prior it recently reappeared on my credit report. This was done with out proof of certification of accuracy and with out notice to me as the consumer both are direct violations which provide awards of XXXX per violation. On XX/XX/XXXX i received a email replying from a dispute I submitted by email in early XXXX. This was a third attempt after 2 calls to the company in which they would not remove the previously deleted account. The email stated the account would be deleted and had been flagged as a deletion. They stated I have like the item to remove any credit reporting from Bonneville on this Idaho power, AS SOON AS we transmit to credit bureaus.. NEITHER XXXX NOR BONEVILLE collections provide notices or results when reinserting the account. Boneville has stated it will be removed again however does not give a time of action. This is hurting, y credit worthiness in a time when I am looking for a place to rent and buy a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a chain of emails starting at XXXX XXXX  while I was asleep from Bank of America to verify my email address to ensure that I receive all communications from the bank. Less than a minute later, another email was sent from Bank of America to inform me that I was enrolled in Online and Mobile Banking. And in a matter of 8 minutes interval two separate emails were sent sent from Bank of America informing that my online application for an Advantage SafeBalance Banking Account is in progress.Then the last two emails which were sent a few minutes later were to inform that the applications were approved and the new accounts were open. Considering that these events happened at night, I saw the emails in the morning and immediately contacted Bank of America to report the activities as fraudulent as I have not initiated any of them ; however the first customer service representative I spoke to was not diligent enough to transfer me to the correct department and advised that I didn't have any bank accounts open with Bank of America by verifying my SSN and other personal information. She also couldn't explain why I receive the emails and that didn't sit well with me so I decided to call again but this time instead of calling the main customer service number, I reached out to the fraud department which transfer me to the digital account opening department and the customer service rep was able to confirm that indeed two accounts were fraudulently opened with my identity. Subsequently I placed a freeze and fraud alerts on my credit report from all three credit bureaus and also XXXX. 
Five days later, the same thing happened again from Bank of America. Same chain of emails, email verification, online banking welcome email, application is in progress email and the final one : account is now open. I attempted to contact the bank but since it is Saturday the bank 's customer service is not available and the branch I visited was no help to do anything at all. 
I can not understand how after placing a fraud alert and security freeze on my financial information, Bank of America was able to open yet another fraudulent account with my identity. Better yet, in less than week I had already reported two fraudulent accounts to Bank of America. Who in their right mind opens three bank accounts in the same institutions in less than week time and the bank lets it happen without questioning any of it as fraudulent. Considering that I have note detected any other fraudulent activities with my identity, it leads me to believe that there is something shady happening with Bank of America to allow these fraudulent bank account opening activities to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, 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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is an immediate request to investigate the updated data that is inaccurate, incorrect, and false information being reported on my credit report. I am presenting new evidence and statutes of violations to please investigate my concerns. There is a misrepresentation of updated information being reported on my credit report that I owe a debt for collections of {$1800.00} to XXXX XXXX  as my Creditor for a debt owed to XXXX XXXX XXXX  and sometimes identified by XXXX XXXX  as XXXX XXXX XXXX XXXX XXXX XXXX that is inaccurate, incorrect, and false that must be removed. There are strict violations of 15 U.S.C. 1681g in the updated information on my credit report. XXXX, I fully dispute the Collections account with XXXX XXXX as the creditor that appears on my credit report, in the amount of {$1800.00} witXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the original creditor and or also identifying XXXX XXXX XXXX XXXX as the original creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported by XXXX XXXX on my consumer credit report and requesting that you immediately delete this Collections account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for Collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for Collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. XXXX ) I never had any creditor relationship with XXXX XXXX XXXX  XXXX and this information being reported is incorrect, false, and inaccurate that must be removed. This is an immediate demand that all inaccuracies being reported by XXXX XXXX as a Collections account on my consumer credit report must be deleted. 

XXXX deleted this XXXX XXXX incorrect, inaccurate, and false information from my credit report. XXXX please respond why this XXXX XXXX collection account in the amount of {$1800.00} was deleted from my credit report after the information was disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY

Complaint narrative:
Dear Consumer Finance Agency, I had filed a complaint with your establishment XX/XX/2022 regarding XXXX and I evidently did not respond accordingly. I will resubmit that complaint, however, this complaint is woth regards to new Rushmore Loan Management Servicer. I am in the midst of stopping the foreclosure on my home, but, have received two different amounts due Rushmore. One is from Rushmore itself and the other is from their XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Both correspondences are dated same. I am attaching documents supporting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
There was a 45 day late for my credit card, when Ive never been 30 days late on anything on my credit file, Im trying to buy a house and the 45 day late caused my credit to drop drastically. I really need to get this rectified and removed, especially when Ive never received anything of my account being past due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On the XXXX of XXXX there was a fraudulent charge of {$8400.00} made to my XXXX XXXX checking account by XXXX rental car. I called the bank to immediately dispute the fraudulent charges. The bank handed over my dispute to an investigator but would not provide me with any further details or even a case number or any contact to follow up. A couple of weeks went by and I got a call from the bank collecting the funds from me stating that my investigation has been closed and I owe the bank the charge.I keep getting harassed by my financial institutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.

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