vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I called on XXXX to ask that my account get closed. I was told that the " request was put in '' to close it. 
However, the account is still open as of XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I bought a t-shirt for {$20.00} from XXXX and had problems setting up auto-pay. In the end I paid the balance off and called to close the account. I was told this was taken care of so I cut up the card. 

I have continued to be billed for various bogus charges, late fees, etc., and have been unable to get anything done despite massive effort over a long period of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23 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: OPORTUN FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone opened an account in my name with oportun/XXXX  that I did not authorize. On XX/XX/XXXX I called them and spoke with XXXX and XXXX who started the fraud report and advised me that the funds had been frozen and that I would receive an Identity theft kit in the mail in 10 days. I got the packet, filled it out, sent it back and waited but got no response. 

On XX/XX/XXXX I called and spoke with XXXX XXXX who advised me that I didnt send a copy of my ID. I faxed a copy on XX/XX/XXXX and it showed as successfully received. XXXX confirmed my affidavit was received. Still got no follow up from a fraud department. 

On XX/XX/XXXX I called and spoke with XXXX and XXXX who told me that the fraud department is still working on it and they will reach out to me. 

There are now derogatory marks on my credit report because they are showing the account as late by 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I reached out to Wells Fargo Bank to inform them of 2 fraud charges on my account. After several months of investigation I received a letter on XXXX XXXX stating that these fraud charges were vailed because I paid my bill.

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 2022-05-23 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 would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : 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 XXXXXXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 2022-05-23 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 would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. System Account # XXXX Balance {$1900.00}, Account Name : XXXX  Account # XXXX Balance {$140.00}, Account Name : XXXX XXXX XXXX Account # XXXX Balance {$940.00}, Account Name : XXXX XXXX  Account # XXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, EXPERIAN, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 explanation
Consumer complaint received 2022-05-23 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:
My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my husband and 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 2022-05-23 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS is not giving me a modification. The loan number is XXXX I was told by SLS that I could make a single payment 2 months ago. Then, in the following week, SLS told me that the loan had been sent to foreclosure attorney, just a week later. 

I am a XXXX XXXX XXXX Veteran, and I have long XXXX ( see XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX ). 

Time is of the essence to stop SLS from foreclosing. 

They said they sent this to foreclosure attorney on XXXX XXXX. I learned that a Notice of Default was filed on XXXX XXXX. This is unjust, inappropriate, and must be stopped by Federal regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I am trying to close the account as the expiration date is nearing ( XX/XX/2022 ) and the webiste for the company and the phone numbers offered do not show an active account, however there are still funds on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-23 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: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-05-23 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2022-05-23 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: TX

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2022 regarding XXXX XXXX Bank & in 3 days the credit bureau verified the information. The FCRA states that a dispute is supposed to take 30 days to complete & Experian hasnt investigated this account in a matter of XXXX hours. This is impossible & the only way an investigation can be that quick is if it involves updating personal information. This dispute is involving a derogatory account that is reporting 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 2022-05-23 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: FL

Complaint narrative:
The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with TRANSUNION, XXXX, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 2022-05-23 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: FL

Complaint narrative:
The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, XXXX, and EQUIFAX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have auto loan with Truist bank. I am trying to buy a house, when the mortgage asked the credit report, discovered that I have twice XXXX loan in my credit report. 

I when to the bank to fix and ask a letter to indicate that I have only one XXXX loan, and they make the mistake. Because Truist bought Suntrus bank. When they made the merge, they made the duplicate account. I am waiting for a simple letter to presente to the mortgage to buy my home. I call every week and the customer representative said different opinion about my case. I feel frustrated, because I need a letter.

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 2022-05-23 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: FL

Complaint narrative:
The following Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with TRANSUNION and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA and LAW. I would like for these accounts to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my Credit File and Credit Report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable 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 2022-05-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation