vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AL

Complaint narrative:
My employer XXXX conference called the bank of New York Mellon for my benefit wallet account. They told me to mail a new signature card. I did my account was still not open, then they said I needed to send a {$52.00} money order for the XXXX  fees. Even though someone stole my checks and used them. I sent in the money order. And they have still havent given me access to my account. My employer has made deposits and I need those funds to pay for XXXX. My health is getting worse without this needed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance XX/XX/XXXX  r misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars.

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 2023-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my consumer reports and noticed the XXXX XXXX XXXX XXXX  information is reported differently from the consumer reporting agencies. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The last payment date, the date the account was closed, the date the account was updated, and the account payment history are all different across consumer reporting agencies ' reports. All of these errors are highlighted in the up-to-date consumer reports provided. This goes against 607 - 15 U.S.C. 1681e ( b ). Remove the XXXX XXXX XXXX  account for defying 607 - 15 U.S.C. 1681e ( b ) and inaccurate reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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:
I have reviewed my consumer reports and noticed the XXXX XXXX XXXX account information is reported differently from the consumer reporting agencies. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The last payment date, the date the account was closed, the date the account was updated, and the account payment history are all different across consumer reporting agencies ' reports. All of these errors are highlighted in the up-to-date consumer reports provided. This goes against 607 - 15 U.S.C. 1681e ( b ). Remove the XXXX XXXX XXXX account for defying 607 - 15 U.S.C. 1681e ( b ) and inaccurate reporting of this account.

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 2023-04-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
I've sent XXXX letters to Experian in regards to the matter below. the XXXX was in XX/XX/XXXX and the XXXX in XX/XX/XXXX. No response. 

EXPERIAN XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under XXXX5 U.S. Code 1681i, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promply delete The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within XXXX days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX CA 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 2023-04-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-17 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: AL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXXXXXX  and never repaid it. They also reported that I took out the loan in XX/XX/XXXXXXXX  and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but XXXX XXXX still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.

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 2023-04-17 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX XXXX I sent a verification letter requesting verification that this debt is mine. Both occasions, the collection agency, XXXX XXXX XXXX sent information that was not enough information to verify they were collecting on a debt that belongs to me. I sent a final letter requesting this information on XX/XX/XXXX and there has been no further communication or follow up from XXXX XXXX systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Prince Parker & Associates
State: TX

Complaint narrative:
They are calling all my family members everyday. They are also tells them that they are law enforcement and saying they are gon na take legal court action and even XXXX They are telling my family that they are gon na go to their houses and then to my job. They call everyday harassing. My family blocks them and they still keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I set up a payment for my state Taxes for my small business on XX/XX/2023. Shortly thereafter PNC Decided to freeze my funds because of a dispute regarding the proof of identity and my address documents which I sent in. 

As a result I have been assessed a {$50.00} NSF fee from the State for the electronic transfer not going through. This is the direct result of PNC Bank 's unlawful freeze of my funds which have now caused me a financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm to purchase items from XXXX and XXXX. Theys ere both returned and credited to the -original form of payment, Affirm. I had to send the credit recipes to Affirm six times because the kept losing the emails, so they say. I also included both the XXXX and XXXX return policies where it states that credit is issued to the original form of payment. Affirm refuses to credit me back, Affirm told me I did not need to pay the balances, which were minimal, {$40.00} for XXXX and {$29.00} for XXXX because they ere under dispute, everything else was paid by me to Affirm. Affirm never corrected this I paid the balances even though I did not need to, I have a XXXX balance with Affirm and they still refuse to correct this. I have everything documented and will be happy to send it to your email address upon request. I can not attach the email string as a document ; however I can forward the many, many emails to you if there is an email to do that. Please advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to report the way Equifax calculates a credit score. Every tip and advisement tells us to pay off or pay down credit cards. However, when I do so, my credit score goes DOWN. I paid off one card and my score went down XXXX XXXX. Since these reporting agencies hold so much power over our financial lives, I want to report and keep reporting until this kind of calculation is fixed. If I'm trying to raise my credit scores and I'm financially responsible, I should NOT be punished for it. 

We need to limit the power and influence of these reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recieved a call from a Debt Collection Company ( XXXX ) saying that they received my information from Synchrony Bank and that I owed a {$110.00} debt that they were collecting on ( from a XXXX debt ). I explained that I did not have a PayPal credit card, and that all Syncrony Bank debts have all been paid ( current balance {$0.00} ). The woman on the phone told me that for additional information regarding what the {$110.00} balance was referring to, that I would need to call Syncrony directly, and provided a number.

I called Syncrony from the phone number found via XXXX ( fearing a scam ). I called many different numbers but was unable to actually speak with a customer service rep. After about 30 minutes of trying, I finally called the number provided. It sounded like a legitmate Syncrony Help Line ( even mentioned FDIC Insured and that the call was recorded ). The customer service rep asked for my phone number and confimed my {$0.00} Balance. The rep DID ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number. Again, no outstanding balances. 

Overall, I am not sure what happened here- but I believe the inital call to be a scam.

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 2023-04-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

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 2023-04-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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 2023-04-17 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: CA

Complaint narrative:
Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.

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 2023-04-17 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: MI

Complaint narrative:
I requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts Experian # XXXX XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DOB : XX/XX/XXXX SSN : *** ** XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX  Acct : XXXX Sincerely,

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX  I found a card on my credit report from Barclays Bank which was not mine it had some charges on it I contacted Barclays Bank they plainly denied it I told them it is a fraudulent card but after denial I contacted consumer financial protection bureau who researched it and Barclays accepted that the charges were fraud and close the card guess what they transferred the balance to a new card which never was mailed to me after some time when I found out that there is another card in my name I contacted Barclays and they said you must make minimum payment otherwise your credit report will be reported late so I in order to save my credit report I made the minimum deal and started investigation Barclays took so long and during the meantime I kept on paying money which I never owed to them after some time I just gave up because whenever I contacted them with a fraudulent card they will close it open a new account never mail the card to me and then say this is your balance I stopped paying them the card became charged off attached are the letter from Barclays in which they accepted fraudulent charges and the identity theft report please help me in removing this listing and getting my paid money which I never ordered them returned back to me ATTACHMENT

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