vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my XXXX credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " BARCLAYS BANK DELAWARE '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact XXXX where the inquires are shown. Then was instructed to make these actions in order to solve this issue.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC
State: NY

Complaint narrative:
Company ERC called at XXXX EST and refused to identify themselves as a debt collector. Refused to identify themselves at all. I asked " what is erc? '' They wouldn't say. I asked " what kind of company is ERC? What do you do? '' Again they refused. I then asked- are you a debt collector? Again they refused. Called from Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
I XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-21 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: PA

Complaint narrative:
I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.

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 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Mortgage Solutions
State: TX

Complaint narrative:
I applied with a lender called First Mortgage direct to refinance my home. We provided all the paperwork and even paid for services like the appraisal. They advised us that our file will be going to underwriting. I was dealing with a man named XXXX XXXX. When days turned to a week, I reached out to find out the status and they told me that it is still under underwriting and that my DTI may be too high, but they will confirm with underwriting.

This was strange because I'm virtually debt-free and make more than XXXX XXXX XXXXXXXX dollars a year. I said ok, I'll wait for their update. Days turned to weeks as I virtually emailed and called almost everyone at the company. Turns out there are two reasons they stopped replying to me. One was XXXX motivation, as I started reading other reviews from other clients who had the same issues and were mostly XXXXXXXX XXXX  and the other was that they knew rates were about to rise and since I had a rate lock it would cost them money. I decided to go with another lender. Now that I need them to transfer the appraisal I paid for, to my current lender, they are still not answering my calls or emails.

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 2022-03-21 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: WA

Complaint narrative:
Contacted TransUnion via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. TransUnion did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.

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 2022-03-21 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: NV

Complaint narrative:
I have reached out to XXXX, Transunion and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Someone opened and closed an account at Wells Fargo without my authorization. I received mail to an old address and this is how I became aware.

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 2022-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2022, Equifax is reporting that I have 2 closed accounts with balances from XXXX and XXXX XXXX and XXXX. These accounts do not show up on my XXXX report. Equifax has failed show any signed contracts that I have for these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had unauthorized purchases made to my account on Thursday, XX/XX/XXXX. I submitted a dispute to my bank with the amounts of {$120.00} at some online retailer called rosatees.com. There was another charge made to XXXX for {$52.00} as well. Neither one of these charges were made by myself and I dont know what evidence there couldve been to say that it WAS me. Apparently when doing the investigation, both retail sites confirmed that it was an authorized transaction. My card was stolen, and Im not sure how they couldve been authorized charges when I can almost 100 % guarantee that the charges made had none of the same information such as my address, phone number or any other information given to the retailers with the exception of my name and card numbers. I never use XXXX services or even hardly ever make XXXX purchases. I have apple products and dont use anything google related. Ive never even heard of this website called rosatees before either. I can guarantee that someone is using my name to use my money and get away Scott free! Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Filed a complaint in XXXX regarding fraud on my HELOC account at Huntington. Complaint ID XXXX. The fraudulent balance was removed but the interest it accumulated was not credited back to my account as promised. In Huntington 's response I was told it would be taken care shortly. However I've followed up with Huntington 's representative numerous times and the matter has still not be resolved. From no less than 20 times of me reaching out him he has only responded 1 time. In his response he informed me the interest charge would be resolved in a matter of days ... that was weeks ago. He is no longer returning my numerous voice mails or follow-up emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to 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 2022-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have student loans which have been consolidated more than once upon Navient 's recommendation. First time they were consolidated I was told by navient or XXXX XXXX more than 20 years ago that after 10 years of on time payments, My loans would be forgiven, whatever balance was left if any. I was told I qualified for this because of something to do with being a teacher of the speech and hearing handicapped. I believed them, and planned my future around that for some time, as servicers changed and representatives training changed, suddenly one day I was told that this wasn't true! I now sit with over XXXX in student loans, my educational loans come from XXXX and XXXX college, however it was the servicers who gave me false information. I am almost XXXX and didn't expect to be lied to by a loan servicer. I wasn't familiar with all the repayment options income based, etc.. from the start, and I was totally misinformed because I was ( YEARS LATER ) told that I needed to be consolidated to a direct loan to qualify for any forgiveness, and that I didn't qualify for forgiveness under the plans... it was devastating! And is a hardship to be told that I will be paying for these loans for 20 more years, but if i had been in a different program after 20 years of qualifying payments it would have been forgiven. If I'd been in that program I'd been near the end of repayment now! This is a mess

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-21 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: Albert Corporation
State: NC

Complaint narrative:
On XX/XX/2022 my whole account was hacked, somebody took all the money out of my account, they also ordered a new card to whole nother state, they didn't even send a message that any of this was happening. I tryed to login to the app and it wouldn't let me, that's the only way I knew something was wrong, 4 days later they finally let me log into the account only to see all my paycheck was gone! I disputed the transactions, not even 4 hours later they tell me the dispute was denied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
XXXX XXXXXXXX XXXX - XX/XX/XXXX - I didn't authorized or apply. 
XXXX - XX/XX/XXXX I didn't authorized or apply. 
XXXX ( card service ) - XX/XX/XXXX - I didn't authorized or apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Trans Union LLC needs to immediately delete this off of my report!! I have XXXX public records ( Bankruptcies ) appearing from Trans Union LLC.. I have contacted the court who confirmed they do dont verify information and that its no way that this was verified from the court which is either an error or a lie!! I was told by Transunion that this was verified by the court when I asked for the Method of verification!!! I have previously disputed this item but I am still being told by Trans Union LLC verbatim and I know that all calls are recorded!! I was told verbatim that this information was verified with the court however, the Clerk of the XXXX  XXXX  court and the XXXX  XXXX XXXX XXXX  states they do not verify anything!! XXXX XXXX also states its no Bankruptcy at all attached to me therefore this is an error or a lie that needs to be deleted off of my credit report immediately!!! 
therefore Trans Union LLC a reporting information is either an error or lie according to the FCRA section 611-15-USC Section 1681, XXXX  XXXX XXXX XXXX this information ( both public records bankruptcies should be deleted immediately )!! XXXX and XXXX have already removed this off of my Report!! If both bankruptcies are NOT immediately removed off of my report.. I have the right to Retain a Consumer Rights Attorney as well as a fair credit report!! This was not properly verified!! Therefore should not be at all appearing on my Report!! I have enclosed the documentation from the Bankruptcy court stating they do not verify, they do not report to Transunion or any other Credit Bureau for that matter therefore it needs to be immediately deleted!!

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Debit cards repeatedly hacked, online purchases that are not mine. I continually have to dispute charges and cancel cards. PayPal hacked and multiple fraudulent charges, credit cards in my name that were not mine that went into judgement And letters saying I am rejected for cards I did not apply for. My info was leaked by the XXXX  XXXX  XXXX, hearing and appeals for XXXX probate. XXXX XXXX XXXX took {$2500.00} and PayPal refused to reimburse us for goods not received ; he is a con XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to 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 non-monetary relief
Consumer complaint received 2022-03-21 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Theres a medical charge on my credit report in collections for XXXX I attempted to dispute this charge several times and they aware that I owe the debt this is a HIPAA violation please access my credit SS 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 2022-03-21 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: WA

Complaint narrative:
Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: WA

Complaint narrative:
Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.

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 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I tried to be removed as a joint account holder for a XXXX checking account, but I was unable to unless the account was closed by the primary. I tried to contact him as well regarding it and to close it since we are no longer together, but he was immature and refused to close it and open a new one for himself. The bank would not further help unless he calls in and closes it. I need help getting the account closed, because I do not consent to have my information apart of this account and do not have a card or any other connection with the person who wants the account kept open.

Company response to consumer: Closed with explanation