vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This conns account was originally removed in XX/XX/XXXX. It's been removed and put back numerous times which is shadowy the law. I've reported that the information being reported is incorrect. Experian keeps saying is verified. 
XXXX. The account says XXXX. Ordinal bal. Not true that last payment was XX/XX/XXXX. But reporting XX/XX/XXXX. Pay history is complete incorrect no payment reported XX/XX/XXXX which isn't true. They keep updating the bal and the status of the account. Why do you update the bal on a charged off account. What changed in the balance. This is fraud. I demand this account is removed from my consumer reports immediately. If they've written this account off for more than I owed using that against the law. They said I owed XXXX. But they wrote off over XXXX if they've been paid by the irs and the ain't is really written off then they've been paid in full and can't keep reporting paid account. If they've received a tax benefit for this account and is been paid it needs to report paid in full XXXX XXXX. That's tax fraud to write off more than the balance owed. Now if it's not been written off then it can't report as so correct? Well that goes against truth in lending reg z and is devalue my character. Will provide XXXX is the amount I financed. This company sells horrible cheap over priced products and or right lie on consumer reports. Well I'm making ag federal case it if it today. We will get to the bottom of this.

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 2022-07-25 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: IN

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-25 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: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I have not received validation notice by mail or email

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third bank received a check via XXXX addressed to me and deposited it in my account without verifying it with me! I had no knowledge of this check until after they deposited it and overdrew my account {$500000.00} because they said it was fraudulent! Now they are closing my account after 20 years for something I had no part of!! They are withholding my federally protected pension and social security. Treating me like a criminal and I did nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: MoneyLion Inc.
State: PA

Complaint narrative:
My information was used to open up an account with Money Lion, I never heard of MoneyLion and never have done any business with them. There is a {$500.00} MoneyLion account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: OK

Complaint narrative:
Appx XX/XX/22 I called moneylion and asked for a stop to be put on my account and to close it out. They did but something went wrong in their system and it did not process. I called back a few weeks later asking again that they cancel my account completely and stop any and all payments. They agreed to do so. 



XX/XX/22 money lion charged my account 4 different time in the amounts of {$5.00} {$5.00} {$5.00} and {$6.00}. I called demanded a refund due to these being unauthorized charges. They finally agree again to cancel my account ( after its already supposed to have been done 2 previous times. ) XX/XX/22 my account is changed {$5.00} ( After agreeing that they will no longer be taking any money out of my account. ) I received and email stating this is to confirm that the no Round Up transfer should ever be processed on your account. 
We do apologize on this inconvenience. 
Thank you for being the best part of MoneyLion. 


XX/XX/22 {$5.00} was withdrawn from my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a total of 4 payments totaling {$4100.00} using my Bank of America On-Line billpay service that have not been received by XXXX XXXX XXXX 
XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$1000.00} XXXX - {$600.00} XXXX - {$1000.00} I have made additional payments in XXXX that have not been credited to my XXXX XXXX XXXX XXXX XXXX  account. 

I have notified the bank and the credit card company - XX/XX/XXXX There is currently in excess of {$6000.00} taken from my BOA account and supposedly sent to XXXX- which XXXX XXXX does not aknowledge.

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 2022-07-25 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: PA

Complaint narrative:
My information was used to open up an account with XXXX XXXX, I never heard of XXXX and never have done any business with them. There is a {$500.00} XXXX account on my credit report. 

I am a victim of Identity theft and would like to have this removed from my account right now.

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 2022-07-25 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: 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 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX my account numbers ends in XXXX, my XXXX is XX/XX/XXXX. I have been heavily impacted by XXXX!!!! I continue to suffer from serious health issues from XXXX. This account and its servicing has been the worst!!! You claim you sent me a notice in XXXX regarding a fraud charge ; I did not response ( BECAUSE I NEVER RECEIVED ANY NOTICE!!! ) I tried logging in to my account on XX/XX/XXXX to make a payment. I could not log in as it said my account was CLOSED!!! There was NO way for me to make a payment!!!! I received nothing in my email or mail informing me on how to make a payment!!!! I then called in and could not get ahold of anyone!!!! Your automated system would not route me anywhere!!!! So I tried going back into my account to get a number to call and it let me log in!!! What is going on?!!!!! Your phone system does not allow me to talk to a rep!!! I have been heavily impacted by XXXX and CAN NOT AFFORD {$300.00} I HAVE DONE MY BEST AND I JUST CAN NOT DO IT ANYMORE. I need assistance. My account is said to be closed and I can not get anyone to speak with me! I am getting charged late fees and interest because of their madness. I need a reasonable settlement offer with a payment I can offered to settle the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: MD

Complaint narrative:
So ive been hearing about how the reporting agencies aren't in compliance with Fair Reporting Rules and regulations. So, I investigated my report and sure enough there in black and white several errors and violations were there, so I begin to challenge the accuracy and completeness of their reporting of my Consumer report and all three agencies returned me verified and accurate accounts when they clearly investigated nothing. Everything that is violating my rights on my consumer report when i first started investigating is still on my report i have the documented proof letters and us postal certified mail that I've been requesting the correcting or removal of these violations for over 60 days now and the agencies continue to return accurate and complete information on my consumer report. 
1. Account XXXX is reporting three different account numbers, three different last date of payment, three different last day of account activity. 
2. XXXX child support is also reporting three different account numbers, three different a account status account also reporting after the case was dismissed and no fault found 3. XXXX XXXX is also reporting same wrong account numbers i attached files for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

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 2022-07-25 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: Self Financial Inc.
State: NY

Complaint narrative:
My car was broken into and my pocketbook that had my id credit card ss number and few other item was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2022, I applied to Paypal Mastercard backed by Synchrony bank. The application prompt said " application was not approved due to credit freeze '', though I have no freeze enforced and I received 2 hard inquiries from Synchrony bank on my XXXX and XXXX credit reports. I called Synchrony bank 's new account department and the agents weren't able to confirm these hard inquiries initiated by Synchrony bank.

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 2022-07-25 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I did not apply for credit directly with Citizens One. This company is a third party company financial institut, who finance for XXXX. XXXX provided additional fraudulent charges on a invoice to Citizens One. I contacted citizens one on several occasions to advise XXXX charged me additional charges and my account needs to be updated. I stayed in contact with Citizens one during the process as my payment card was still was on file to make payments, even after I was told the account would be placed on hold. My bank also advised automatic payments was previously approved from Citizens one, and which I never received notice a payment had failed. Citizens One did not have my contact number and failed to notify me of any issues. I had a conference call with citizens One and XXXX explained to the representative with citizens one that XXXX  made a mistake and for the mistake they were going to credit my account for {$250.00} in which Citizens One should correct any inaccurate or misinformation at that time. Citizens One has reported inaccurate information to the credit bureau that my account was 30 days past due, when it should have not been reported as past due, because of the lack of communication between those 2 parties and never notifying me of a failed payment after I was also told the account would be on hold until XXXX contact them. This inaccurate information needs to be removed from my account immediately. 

I have disputed this delinquent account Therefore, until it is validated, your information concerning this account is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, this account is not delinquent and I demand that this information be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies Chex Systems and XXXX XXXX XXXX due to a recent denial in achieving a new bank account. 

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

Chex systems Consumer ID XXXX XXXX XXXX XXXX ID 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 2022-07-25 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
I was not notified by medicredit Inc in the 30days to dispute nor did I receive anything about the claim against me from them. I had no knowledge of this collection agency until I look on credit report. They bought it from XXXX XXXX which I applied for hardship with XXXX XXXX. The amount is {$910.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX 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

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