vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: DC

Complaint narrative:
I filed complaint to the credit bureaus regarding inaccurate scores on my credit report. My letters have been rejected and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On Wednesday, XX/XX/year>, there was a fraudulent transaction made for {$2500.00} by XXXX. 
As well as on Thursday. XX/XX/year>, there was another fraudulent transaction made for {$2500.00} by XXXX. 

This savings account has been on hold ever since the start of these transactions. 

There have been multiple transactions made on this account, other than the two transactions that I mentioned above, unauthorized by me. 

I have been trying to take out the full amount in that savings account into a new one but every time that I try to, a new transaction that was unauthorized by me has been made. Fifth Third ( my bank ) told me that in order for me to take all my savings money in that account into a new one, I would have to wait for there to be no pending transaction and for my money to be back into my account to get the full amount that is in my savings. If I was to take that money out while there was still a pending transaction, Fifth Third told me that the amount that was in that pending transaction would be gone and I wouldn't be able to get it back. 

For example, if I had {$10000.00} in my savings account and the fraudulent transaction took out {$1000.00} that is pending, and I decided to transfer that remaining {$9000.00} then that {$1000.00} would be gone and I wouldn't be able to get that money back. 

Fifth Third has really been no help on this situation. I don't understand how or why my savings account got hacked. I don't use it to pay for anything, so to me I would think that someone in Fifth Third has hacked into my account. 

I check my account every day to see if all my money is in the account to make that transfer and there is always a new fraudulent transaction made. 

Recently, XXXX XXXX took money out of my account and I told Fifth Third that I don't have an account with them, and they told me I would have to call them anyway. When I called XXXX XXXX and gave them my information, they told me that I didn't have an account with them, so they couldn't help me situation. Which is what I told Fifth Third. Then when I called Fifth Third back and told them what XXXX XXXX told me, Fifth Third told me the same thing. To just wait until there is no pending transaction, but there is always a new pending transaction, so it seems that either way, if I wanted to transfer all the money in my savings account, I would always end up losing whatever the amount is in that new pending transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-06-17 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
XX/XX/year>, I made attempts to contact this company ( Hunter Warfield , Inc ) through mail to have the information removed from my Consumer Report which was unsatisfactory As governed by 15 USC 1581 ( b ) this information was furnished to XXXX, XXXX and XXXX XXXX without my written consent, this violates my rights as a Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I opened a checking account for BMO Simple Business Checking Account with a promotion code attached. This promotion included up to {$1000.00} for meeting qualifications, including an average collected balance of {$30000.00} for 90 days. I met these qualifications listed on the terms, but BMO has refused to pay the {$1000.00} promotion, citing that i did not meet the requirements, including XXXX debit card transactions. The debit card XXXX transactions were not listed in the original promotion. BMO promotinos vary from state to state. In fact, in California there is no mention of transactions in the original promotion anywhere on BMO site at the time in XX/XX/year>, nor is it listed as a requirement in the current California promotion today. See attachment for similar promotions in XXXX  currently, where the debit transactions are not a requirement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: DC

Complaint narrative:
I filed complaint to the credit bureaus regarding inaccurate scores on my credit report. My letters have been rejected and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

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. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I'm writing because upon checking my credit report I still notice accounts that are not authorized by me I have called and correspond with the credit companies i have disputed this several times before and they are continuing to report inaccurate information that violates the FDCPA when i am a victim of fraud lying saying that accounts are being verified which are not which is causing hardship to my livelihood that treats my reputation They had been reporting false information on a consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
SoLo Funds went through a system upgrade a few months ago. During this process, there were several system issues that have impacted borrowers and lenders. During this timeframe, loans were funded, loans were canceled by SoLo and wallet balances were not being properly updated. SoLo communicated that despite all of their issues, they have deemed their migration and upgrade a success and the platform was ready for use again. On XX/XX/year>, I requested a loan for {$350.00} and the loan was processed. The funds were to be credited to my SoLo wallet for transfer to my financial institution. Instead, only {$50.00} was credited to the wallet. There was also a withdrawal from my bank account from SoLo for {$360.00} that can't be explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This is in regards to my Citi Diamond Preferred CardXXXX. I have lost my card and it have a lot of unauthorized charges. I called and reported right away around XX/XX/year> but they were unable to locate my account and told me to wait till I received a code in the mail. I waited for two weeks and then call back again on XX/XX/year> when I didn't receive anything int he mail. I was told the same thing again that they are unable to verify my identity and I need to wait till I received a code via mail. I asked them if there is another way to get it faster, and their answer was NO. I waited again and finally got a letter in mail on XX/XX/XXXX. I called and reported my card lost then. Now they are not resolving my issue and its not fair with me to pay for something that I did not authorize.Total amount is around {$2000.00}.

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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: OH

Complaint narrative:
I attended XXXX XXXX in Delaware, Ohio and had the membership cancelled, they continued to charge my account after the fact so I had went to my bank ( XXXX XXXX  ). There they had reimbursed me for all of the money XXXX XXXX had took during the time I did not have a membership with XXXX XXXX, I also had to change my debit card because XXXX XXXX would attempt to keep collecting from my account. After a while I started getting call from First Credit Services. When i answered these calls I would ask them what the call was about, and they said they need to speak to my parents ( Im XXXX years old ) when I asked why they wouldnt even tell me that, so I thought this was a scam obviously not knowing what these people wanted and why they kept calling me, I ended up looking up First Credit Services and called the number on there website where I spoke with a lady who couldnt even find any information about me. I was obviously confused but I didnt think anything of it until I kept getting calls from First Credit Services XXXX of course I kept asking them why they were calling and they would not provide any information what so ever to me. Now when I check my credit I have a derogatory mark affecting my credit because of something I couldnt control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I am retaining legal counsel for repeated violations and repeated breaches of agreement by XXXX. According to my records over the span of XXXX months XXXX violated with the credit reporting agencies reinserting late payments and reinserting fraudulent balances from an another account involved in an account take over numerous times causing injurious damage to my credit profile with several credit reporting agencies. The violations are totaling {$1000.00} per incident totaling over {$10000.00} in damages. I am seeking a law firm who is reviewing and waiting for all documents I can obtain from XXXX. After speaking with legal counsel I was informed that XXXX interpretation of FCRA and USC 15 laws isnt how it works in court. There are strict guidelines DATA FURNISHERS are required to follow. Theses debts and claims are going to be involved in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief