vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: NJ

Complaint narrative:
This account was removed off my report due to identity theft XXXX continues to report this after I sent over multiple verification letters and identity theft reports XXXX took this off my credit now put it back on

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 2023-05-25 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: NJ

Complaint narrative:
This account was removed off my report due to identity theft XXXX continues to report this after I sent over multiple verification letters and identity theft reports XXXX took this off my credit now put it back on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I made a payment on XX/XX/23, the payment is still on hold. When I called TD card services they said that they will have it on hold until they can verify the funds. I made the payment through their website. The payment came out of my account on XX/XX/23. My bank states they got the full amount of the payment that day. I spoke with a supervisor ( XXXX ) and a Manager XXXX. They would not give me any other identifiable information, no employee number. XXXX said I would only have her name and the date and time of my call. They both told me that if I had used a TD bank account for the payment they would release the hold immediately, but since I dont they would not. This is also the same account that I have on file for all my payments I make to them. I had enough to make a larger payment so I did. Now I dont have my money nor do I have use of my credit card since they placed a hold on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I would like to report that several credit card transactions were attempted to purchase services on XX/XX/2023, these transactions were swiped utilizing a XXXX  method of payment on a phone on my Barclays Jet Blue Credit Card. The transaction amounts are : {$4400.00}, {$700.00}, and {$1900.00} used for vendor at XXXX. These attempted transactions are fraud and have never been requested by me.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MD

Complaint narrative:
Credit card account ( XXXX ) account information detailed in Credit Karma is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
The original creditor was XXXX XXXXl original Account : # XXXX File # XXXX Balance : {$630.00} Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
They say the debt originated XX/XX/XXXX and charged off XX/XX/XXXX in the amount of {$630.00} The address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not mine. My address is XXXX XXXX XXXX XXXX XXXX XXXX. The copy of the document that I received from XXXX XXXX XXXX XXXX XXXX XXXX was a XXXX document and it is not my Signature I want an original copy of the documents, and I would like to know how the company completed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: MS

Complaint narrative:
i got account that are inaccurate and need to be removed from my report asap!

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 2023-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Well I had sent {$100.00} to my fiance who lives in XXXX through the Remitly app, but nomne of the banks in her city use their app. So, I tried contacting them multiple times to which after explaining this, they told me that they would take it to their internal team to fix the problem and to allow 3 business days for it to return, this was on a Tuesday. I've had to contact them again today to try and get my money back, to which they told me again that they were taking it to the internal team and to wait another three days for a return

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wrote a check in the amount of {$760.00} dated XX/XX/XXXX to XXXX XXXX XXXX XXXX. The check was cashed on XX/XX/XXXX but XXXX said they never received the check. XXXX asked me for a copy of the check ( front and back ) so that they could investigate. My bank ( XXXX XXXX XXXX ) sent me an electronic copy of the front and back of the check but the back of the check was blank ( nor endorsed ). I also have my XXXX statement showing that the funds were withdrawn from my account. XXXX determined that they did not receive my payment so I still owed them {$760.00}. I ended up sending them a new check for the {$760.00}, otherwise they were going to cancel my policy. At the same time I reached out to XXXX to file a claim. All XXXX would tell me was that the check was cashed by Bank of America -- I believe in XXXX but Im not entirely sure. In order to recoup the funds from BOA, XXXX asked me to submit a Declaration of Unauthorized Endorsement or Altered Item, to be completed by myself and XXXX. This information was submitted to XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX stating that the bank that accepted my check ( BOA ) is responsible for repayment and that they ( XXXX ) had initiated a claim on my behalf. I spoke with XXXX on Wednesday, XX/XX/XXXX about the status of my claim and they said they have reached out to BOA numerous times about this situation but have yet to receive a response. Its impossible to get through to anyone at BOA about this situation so XXXX suggested that I reach out to you for help.

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 2023-05-25 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: NC

Complaint narrative:
Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.

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 2023-05-25 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: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my 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 2023-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am writing to dispute the payment history information that appears on my credit report from CAPITAL ONE. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score

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 2023-05-25 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: IL

Complaint narrative:
XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: IL

Complaint narrative:
XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score

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 2023-05-25 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: OH

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had obtained a copy of my credit report through a third party and noticed that there were several inquires on my credit report that were unauthorized please investigate and delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Good Morning, I am writing because I had a car financed through Santander Consumer USA in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted Santander in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-05-25 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: NY

Complaint narrative:
Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX The cfpb states that there was no response? I spoke to someone at least XXXX times. I submitted over XXXX documents and in a separate complaint that was marked as a duplicate. It was a duplicate of this complaint. I have since submitted another XXXX or XXXX and all of my bank statements supporting the attached spread sheet and pay history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
Hello. My credit report is showing a debt collection from a company showing as XXXX XXXX XXXX with originating creditor as XXXX XXXX. I have never opened up such account and would like to file a complaint about this. I don't know if this is the result of identity theft or some other error. Please assist. 

Thanks, XXXX

Company response to consumer: Closed with explanation