vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
There are a number of troubling issues in dealing with TransUnion : The phone number they provide is outsourced to XXXX. Their call center is XXXX ; blames you for not being able to access their website after you've created an account. 

The XXXX call center claims they will 'look into your problem ' and never get back to you. You are put on hold after answer multiple questions and then are disconnected. The call center in XXXX claimed I would receive a paper copy of my TransUnion credit report. Even if I receive this report, I will now have to do any disputes by paper and snail mail, which will take longer. 

I can not access the website and therefore I can not put in any disputes. The company has no explanation why I can not access my account on their website. 

https : //service.transunion.com/dss/login.page This company is worth {>= $1,000,000} ( according to XXXX XXXX XXXX but they can't fund a decent call center or provide better IT support or customer service?

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 2023-07-18 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: IA

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-18 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: NY

Complaint narrative:
There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be XXXX of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. 

XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I had a savings account with my ex husbands name on it ( opened in XXXX I believe ) I was divorced in XXXX and his name was still on my account. I had never received any documents with his name on them so I was unaware that I needed to take his name off of the account. Around tax time this year XXXX {$610.00} was withdrawn by Huntington from my savings account to pay off XXXX of his delinquent accounts. I then closed my Huntington account and withdrew my funds. After calling and asking questions Huntington then sent me a check XXXX weeks later for the {$610.00} they had withdrawn. I have not received any letters or had any phone calls from Huntington since. Today XX/XX/XXXX I received a call from a restricted number the female caller verified my address and my social security number which I never provided and told me I was being summons on XX/XX/XXXX for court I asked what is this pertaining to and she told me I needed to call this number with a case number that she was going to give me because she could not explain it. The phone number she gave me is XXXX and the case # XXXX. Once I called the number the same female answered the line XXXX XXXX XXXX and explained Huntington is suing me for {$3200.00}. I called Huntington customer service and was advised this is a scam and was given your website to start and to call local law enforcement and file Identity theft claim once I receive a report back from your office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because a single payment was returned. THAT IS AN ACT OF DISCRIMINATION. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately the agent held her position that the company would not be able to reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bridge IT, Inc.
State: FL

Complaint narrative:
Im a victim of identity theft I reported like 2 years ago Ive had my phone stolen several time and since Im a very forgetful person I always have passwords and personal info in my notes on my phone I e gotten better about keeping that stuff at home but whoever it I doing this is doing it out of sought to ruin my credit cause I tell everyone how I. Trying to fix my credit so that I can start my life over so thats what they attack i my credit Ive had bank accounts set credit fixing agencies trying to get cars under my name the list goes on I filed for bankruptcy but still I got these credit building companies not wanting to remove the stuff off my account because they think it was me when it wasnt yes it was applied with my phones but those phones were stolen its driving me nuts cause if I applied for this stuff I hold own up to it but I did not and I would like all this stuff off my reprt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud aler or ANY other fraud and/or alerts to be on 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 2023-07-18 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: VA

Complaint narrative:
I am XXXX XXXX and am sending this letter on my behalf, requesting that the extended fraud aler

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 2023-07-18 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: VA

Complaint narrative:
I am XXXX XXXX and am sending this letter on my behalf, requesting that the extended fraud aler

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
I took out a loan with XXXX XXXXXXXX XXXX on XX/XX/2023, when they deposited {$1000.00} in my bank account. Then on XX/XX/XXXX a payday loan went out but a week later on XXXX XXXX a withdrawal of {$300.00} tried to go out of my bank account. An at that time my account had been hacked. Not only was my math that week incorrect with my bill scheduling but I noticed my bank account transactions were rearranged as well as {$11000.00} missing out of my bank account. I had just taken out a serious of loans to finalize some permits. I have file a case with my identity theft insurance company to correct the issue they have requested police reports ones I have filed but I haven't heard back from anyone so I decided to file a new dispute. Here is my insurance information. Claim Information Claim Number : XXXX Policy Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions about this correspondence, or if you have additional information that you would like us to consider, please contact your claims adjuster at the number listed below. Our office hours are XXXX XXXX XXXX XXXX XXXX Monday through Friday. We appreciate your business and thank you for being a valued customer. 
Sincerely, XXXX XXXX XXXX Claims Operations Claims XXXX T. XXXX XXXX XXXX XXXX XXXX If you no longer want to receive e-mail communications at the e-mail address provided, refer to the Electronic Business Consent disclosure XXXX XXXX XXXX XXXX  ) for instructions on how to opt out. Please help me fix this issue. Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
XXXX  use of my info i did not get a loan with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XXXX, XXXX I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/2023 and the items were successfully shipped back to the merchant. 

The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( Synchrony Bank ). Per Synchrony Bank, the dispute was CLOSED on XX/XX/2023. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT **THREE TIMES** yet the case remained OPENED and UNRESOLVED. 

I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT ( Synchrony Bank ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! 

XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. 

PAYPAL and PAYPAL CREDIT ( Synchrony Bank ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls!

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
this is the letter that was sent by USPS on XX/XX/XXXX Dear BNY : Mellon : Debit Card Number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX I made the debit card dispute on XX/XX/XXXX five days after XXXX XXXX XXXX XXXX XXXX XXXX said he the debit will be showing up in my debit card account soon. Finally, 17 days later a temporary credit of {$830.00} was sent back to my account. Then on XX/XX/XXXX the {$830.00} was sent back to XXXX XXXX XXXX. Now on XX/XX/XXXX I get a letter stating that I did not sent them a letter explaining my dispute. I was never informed that I was to do that in anyway. As a matter of fact, I gave Fidelity the story my on the telephone when I made the dispute/complaint. This was the complaint I already gave Fidelity. I had an accident on XX/XX/XXXX. I am truly very disappointed in myself, even though I I think the parking lot owner is liable. But that is for a problem with a different agency. After going through numerous auto body shops trying to find the right trustful, at the end my days venture I decided one recommended by The XXXX XXXX XXXX XXXX XXXX XXXX. I thought I should trust them knowing my XXXX  is owned by. XXXX. So, the place is called XXXX XXXX XXXX XXXX and the person I talked to was XXXX XXXX and said to myself if XXXX says he is o.k. then he must be o.k. So I Agreed to the down payment of {$830.00} to confirm the appointment to drop off on Monday XX/XX/XXXX. So, when Monday came we said our hellos and he wanted me to sign a paper that says there are dirt stains on all four of my seats. He also wanted a copy of my driver 's license when I said what for he said for insurance reasons in. case my car catches fire while in his shop. I I thought that was suspicious and canceled my appoint and ask to send money back to my Fidelity Money Market Account, He said it will be 3 days until it was show in my account after six days the money still did not show in my account, So now I am reporting this dispute to BNY Mellon Investment Servicing Trust Company and asking that my {$830.00} be returned to my money market account or a check be sent to my home address below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2023, I received an email from Truist telling me there is a problem with my checking account. I have never heard of Truist and have no account with them. When I called the number provided, XXXX, to report there maybe a phishing scam, I needed to provide an account number or ssn in order to report fraud. I have no account THAT I KNOW OF and want to be certain no one opened an account in my name. I refuse to enter ssn to an entity I do not do business with, so they would not take the call. 
So this is twofold : has my identity been used to open a fraudulent account and are they aware of a potential phishing scam in their name? 
Thank you.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud aler or ANY other fraud and/or alerts to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, My debit card was closed to suspected activity I only reported things that were taken against my permission and my account was not in negative. It was closed and its affecting other accounts and checking which is upsurd. Please assist because I dont understand

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 monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$570.00} The following accounts has late reporting that were caused by inaccurate billing. I was never late with these accounts as I am a good paying customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company has been paid through court ordered wage garnishments and should not be able to continue trying to collect from me. I have disputed through the XXXX and asked for removal from my credit file. They have come back as accurate and verified. The information posted has caused me great loss. The inability to find adequate housing, the credit denials. I would like this account removed from my credit report immediately and will be seeking legal counsel for the XXXX that have reported this information erroneously. I also will be filing a complaint with the FTC and XXXX

Company response to consumer: Closed with explanation