vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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: U.S. BANCORP
State: MN

Complaint narrative:
US bank is creating fraudulent information in my name. I have asked them to cease this illegal action and they are refusing. this is not only my right but also their legal responsibility. US Bank is claiming they closed a account in my name in 2018 leaving a balance of {$170.00}. 

the transaction claimed to have cause {$170.00} in overdraft fees was declined and returned us banks own policies took 5 days to recognize them to charge {$35.00} dollars a day in overdraft fees which they continued to do for 5 days. This practice is illegal. and violates my rights and neglects their lawful duty. i demand this account be closed and removed and i be granted payment for my financial loss pain and suffering for the years of financial harm resulting from this malicious act. 

this has stopped me from opening bank accounts, getting a vehicle, driving my children to school, maximizing my credit, providing financial disclosers. has given me anxiety dealing with the financial world and affected my ability to live my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
On XX/XX/2022 I received a bill from XXXX in my name in the amount of {$81.00}. I do not have or applied for an account with XXXX. When I called to inquire about this bill a recording asked for my account number which I do not have. I was then asked for my social security number and I hung up without providing my SS #. On XX/XX/2022 I received another bill in my name with late charges. I have been receiving telephone calls that I not answered from Comenity Capital Bank who is affiliated with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18 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: NC

Complaint narrative:
This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that 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, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement.

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
During the timeline of XXXX XXXX ( XX/XX/XXXX ) I have been dealing with identity theft. I was able to let XXXX, XXXX and my banking company know of the issue and put a credit freeze and fraud alert on my accounts. I tried contacting experian until I found out the hacker who stole my identity created a fake gmail account and was in control of my experian account. Experian supposedly changed the email to mine but the username still continues to be the hackers fake email of me. They ensured me it would take 24-72 hours to change and to not log in. I waited and tried and still could not log in, the email was never changed for the account but I have been filtered the emails when there is action on my account. I contacted experian multiple times during the timeline I provided and was told I was unable to do anything because I could not answer the security questions or provide the PIN number. The security question and pin is what the hacker made, so I am unable to verify it because it was not me who set it up. I told them to cancel the account and look into it. They canceled it but now the hacker reopened it. The hacker is still in control of the account and is continuing to use it. Experian has done nothing about this issue and I have filed a police report with the local police. Hacker has my drivers license information and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since 1 week ago today Fifth Third has locked me out. I have spent 4-6 hrs./day on phone. As you know, this is the 2nd time. 
What they have done to me, an XXXX, XXXX XXXX woman XXXX XXXX XXXX XXXX XXXX XXXX, this is unconscionable. Only 3 times did I actually get a real person. I even called the fraud dept. number & got through to someone who said it wasnt the fraud dept. All of the times Ive been on the phone my battery ran out. 
My supportive living bldg. wanted me to recertification this wk. & I couldnt provide my banking info. 
Your reviews I read, too many to continue reading, for the most part have the same complaint. I have never seen anything like this & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Im done. When this mess is taken care of, Im switching banks. 
They even had my email as one I had 20 yrs. ago. They had my previous bank as 1 I havent banked at in years. 
I DEMAND ACTION NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: IA

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

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 2022-12-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good evening! 
I be receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update to reporting all positive information On time payments delete collections as well Accounts : XXXX XXXX XXXXopen date Change to on time payments Last report date XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX open date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX opendate XX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXX  Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX open date XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general as well 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 2022-12-18 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: KY

Complaint narrative:
Account number : XXXX Account name : XXXX XXXX XXXX In Date opened : XX/XX/2021 Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My report with Trans Union shows under the heading " SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION '' that some company " XXXX XXXX '' requested ( I don't know what ) on XX/XX/2018, " TOTAL TAX AMOUNT {$1800.00} '', and the last line of this section says, " FORECLOSURE : YES ''. I DO NOT KNOW THIS COMPANY " XXXX ''. I HAVE NEVER HEARD ABOUT IT. I HAVE NEVER BEEN THEIR CUSTOMER AND I HAVE NAEVER DEALTH WITH THIS COMPANY. 

I have informed Trans Union several times that the above information in INCORRECT, MISLEADING, AND HURTING MY CREDIT SCORE. But Trans Union has not deleted this false information from my credit report. Nor have Trans Union GIVEN me XXXX 's address. From internet, I have found several addresses of XXXX and I have asked it to DELETE this wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 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: OH

Complaint narrative:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: OH

Complaint narrative:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 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: OH

Complaint narrative:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: UT

Complaint narrative:
At the end of last year I opened a Bank account with my Ex at US Bank. When asked if we wanted Overdraft protection we declined and and specifically told the banker that if there was not money in the account we did not want our cards to allow any purchases. When we separated I stopped using the account and my ex continued to use the card and was able to use the card even though there was no money in the account and we accrued several over draft fees. The mail was going to his house and he did not check it or know that we had an outstanding balance. The account was sent to collections and dropped my credit from a XXXX to a very low scored. When I have gone into the bank or called, everyone acknowledges that we signed documents declining overdraft protection but has no way to help us. The late fees have accrued to such a high amount that I am drowning and have not been able to pull it out of collections which will make it very hard to find housing when my lease is up. I am completely lost as to what steps to take and the institution has no solution but to make me pay which I do not feel is fair or legal. The closed out the checking account and put the balance on a reserve line of credit that we never signed for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: GA

Complaint narrative:
I have called and wrote Experian that they need to fix old student loan accounts as these account have been consolidated. I supplied the data ; however, they refuse to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: KY

Complaint narrative:
XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX account XXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off Account : XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance XXXX Had it account removed but it's still on my credit Account : XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I contacted the original account holder. They in return told me to contact the collection agency. I sent the collection agency the police report showing the phone was stolen in XX/XX/2021 when i suspended service. The collection Agency stated once they receive the police report they will take the collection off my account. I have been reaching out them them and have been getting the run around.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: KY

Complaint narrative:
Account number : XXXX  Account name : XXXX XXXX XXXX In Date opened : XXXX  Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached ou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Account number : XXXX Account name : XXXX XXXX XXXX In Date opened : XX/XX/ Balance : XXXX This account was opened I had no acknowledgment of it it is not my account it should be not on my credit it should be taken off immediately I have reached ou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am being ignored. This is the second letter I have written to TransUnion disputing items and they have failed to respond within 30 days. I did not provide written permission or instructions for the identified accounts to be reported on my consumer report. The identified transactions are not information related to any transactions by me as the consumer. I have been in constant communication with TransUnion and it's been more than 30 days without them responding to my disputes. According to consumer law, they must remove the disputed items from my consumer report because they have not responded to me within the 30 day time frame allotted by law. The next step is for me to pursue legal remedy if these items are not deleted from my report immediately. ( see 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 2022-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are liars ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.. Capital One falsely claimed to CFPB that they had credited me {$64.00} for the amount disputed to my account. ( Capital One are liars ). When I contacted Capital One about this dispute, they credited me {$64.00}, but on XXXX XXXX Capital One took back ( charged to my account ) {$64.00}. Capital One told CFPB they credited me {$64.00}, BUT CAPITAL ONE DID NOT MENTION THEY TOOK BACK THE AMOUNT OF {$64.00} ON XX/XX/2022. ( CAPITAL ONE ARE LIARS TO CFPB TO CHEAT THEIR CONSUMERS ). CFPB please bring justice for consumers. Please see the attached statement. The amounts and dates Capital One gave and took back are highlighted yellow in the PDF which I attached to previous complaint. 

On XX/XX/2022, and XX/XX/2022, I sent Capital One the letters with the information they requested, but on XX/XX/2022, in the response to the CFPB complaint Capital One said that they have not received it. I believe that Capital One refused to resolve the dispute by claiming not receiving the document I sent. So today, XX/XX/2022, I again sent Capital One the XXXX resubmittal of the information they have requested. Also I attached the letters to this CFPB complaint portal ( please see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Fraudulant charge on credit card-capital one. The charge was made on my XXXX account online with my capital one credit card. I believe it was a criminal employee. Someone ordered XXXX car stereos at {$500.00} apiece. Why on Earth would I order 5 car stereos? it was a fake order and fake delivery was set up and they claimed I ordered. I find it interesting that capital one and XXXX are both owned by XXXX bank. I disputed the charge but XXXX claims it was delivered and won't do anything about it. capital one is trying to force me to pay it. I refuse to pay for something I didn't order and never received. there was no delivery.I have a ring security camera I and never received. A fake XXXX tracking number was used.

Company response to consumer: Closed with explanation