vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE

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 2022-10-23 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: NV

Complaint narrative:
ccount XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
ccount XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE

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 2022-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I started receiving bills from the XXXX ( XXXX # XXXX ) company for which I had never opened any account, nor ever received any services from them at my XXXX XXXX, MI address. I phoned them on 4 different occasions to remove this from my name. Each time they researched that in fact I did NOT have any of their equipment and there was NO activity noted on this account. Each time they agreed to remove this. Then I received a notice from the Credit Management Company ( XXXX # XXXX ) about this amount past due of {$180.00} and charges for ending my " contract '' early. I phoned them immediately, shared the same information and they agreed to stop action on this and communicate with XXXX about it. I then receive notice it is a new collection account showing up on each of the 3 credit reporting agencies records. I phone XXXX XXXX more times about this, I have dates, names, etc. They agreed to credit this account to XXXX and apologized for the issue. They also agreed to make sure the Credit Management , LP company would make this right and it would be removed from my records. As of this date, I have put in disputes with all XXXX credit agencies, and XXXX keeps confirming it is my account, WHICH IS INCORRECT. But When I call them, they agree, It should be removed from my name. I have never had an account at my home address with this company and I have tried more than enough to set this right. It is absurd at this point that they have marred my credit record by reporting about an account I never had, started, opened, or used, EVER. I DO NOT KNOW what else to do at this point. They agree it is an error each time I contact them, but it has not been removed from my credit, which is effecting my credit rating and causing very serious issues for me. I don't even understand how they are getting away with this. It has to be ILLEGAL. I need them to make this right and remove this account from my name and credit accounts IMMEDIATELY! This started in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/22 I closed unfunded account ending in XXXX with phone rep XXXX because I NEVER received physical card to accurate address on file. I was originally issued a digital card which was never funded, balance XXXX. After closure call I received a confirmation email stating company closed me! Clearly company is upset I never loaded card because they never sent physical card. Today XX/XX/22 I received email encouraging me to load direct deposit funds, so I'm good enough to load funds, just not to use. 
My closure request is effective on XX/XX/22. This company 's fraudulent intent is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is not a new case. this is an error of correction on my part. The Claim this should be amended to is # XXXX, Bank of America had called me on Thursday in reference to the phone call on XXXX XXXX. I mistakenly kept given her the old names of XXXX XXXX XXXX because that was the files I was going through when the phone distracted me. due to my error of stating the wrong name in which bank of America use to be before it became Bank of America and that was XXXX XXXX  and nations bank. I also had an account with nation bank and made a {$1000.00} Deposit which I never got back because they closed their XXXX XXXX XXXX down in XXXX New Jersey. again, the Bank of America XXXX XXXX and Nationsbank. Thank You. 
for amending and placing the correct information on my claim from the previous phone call from Bank of America. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: CA

Complaint narrative:
I signed up for a premium membership with Experian 5 years ago to build up my XXXX XXXX. I did this because, even though I had no debt & paid all my bills on time with my checking account, I had a low XXXX score due to handling my finances on a cash basis. This being a barrier to applying for either a mortgage or a car. Experians XXXX program seemed a perfect answer. It was until 2 yrs ago. 

The XXXX program consists of monitoring your bank accounts & uses monthly expenses to help boost your XXXX score. Experian also provides your XXXX score on XXXX XXXX XXXX. These entities do not have access to your banking info. 

I had built my score up from XXXX to XXXX. I had to buy a car & this helped immensely. However, in XX/XX/XXXX, my purse & credit cards were stolen & my roommate moved out. My monthly expenses went up & my XXXX XXXX went down on Experian, but not on the other 2 credit reporting companies. 

After the theft of my cards, I noticed the connection between my bank & Experian seemed to be broken. I corrected this but my XXXX XXXX kept dropping. Bills that had been on autopay since the XXXX werent boosting my score. I called Experian many times & asked why, if my bills were paid on time, was my score dropping on their report but not on the other 2 reporting agencies? ( Experian : XXXX, XXXX : XXXX, XXXX : XXXX ). They said it was because XXXX needed the 3 months history of payment to show in the score. I argued that I have never missed a payment on any of my bills as shown by my credit reports with the other credit reporting companies on their own site. They restored my score to the excellent range. But the next month, it dropped again. 

I called them multiple times asking why my score isnt based on my payment history & balances, but rather on my bank balances? After being hung up on, I cancelled my membership ( {$24.00} for 5 yrs, even though the premium rate went down to {$19.00} ) in XX/XX/XXXX. As soon as my cancelation took effect, my score dropped XXXX points and they are still monitoring my bank account. I have tried to disconnect it ; remove my banking info from their app and you cant do it! 

As of today, I am still being punished. Given that XXXX XXXX uses Experian to provide an immediate XXXX XXXX to their customers, my score is XXXX, on XXXX its XXXX & XXXX its XXXX. I just want them out of my bank accounts & to base my XXXX score on the same data the other 2 credit reporting companies.

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 2022-10-23 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: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am not an authorized user on this account, they will not remove it, i have no card, no charges, no account all i see is XXXX on the end of the account showing

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 2022-10-23 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hello, I ask the Credit Bureaus to do a verification check on everything that's on my credit report on the dates XXXX XX/XX/2022 and they did and they stated everything was accurate. I did a thoroughly check myself and I found improper accuracy on my credit report after they done the thoroughly research. 


XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX In accordance to the Fair Credit Act Of XXXX  account XXXX has violated my rights. I am promised accuracy in my report based on federal Law Under 15 USC-1681 section 602 section 8 states that I have rights to privacy. 15 USC- 1681 Section 604 Section 2 also states that a consumer report agencies can not furnish account without my written instructions.

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 2022-10-23 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,

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 2022-10-23 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: CA

Complaint narrative:
I disputed a credit entry added by XXXX XXXX for Acct # XXXX in the amount of {$54.00} with XXXX, XXXX and Experian regarding a debt that is not mine and I do not owe. To date, Experian is the ONLY credit reporting agency that has not corrected this incorrect information on my credit report. I was not aware that the information was still on my credit report with Experian until I had a credit analysis performed and they informed me that this debt was still present. Experian never " adequately '' responded to the my correspondence disputing the debt, but did note that I disputed this information. XXXX and XXXX already removed this information as they confirmed that I do not own/owe this debt. However, Experian continues to show this debt on my credit report and refuses to provide any legally valid information supporting their decision to continue to report this negative information on my credit report and that supports the fact that I own/owe this debt.

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 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
For several years TD Bank has refused to let me run my own account. They are deliberately over drafting me. My money is being automatically withdrawn. They are picking and choosing what they want to pay. They are refusing to pay my rent, electricity, and car insurance. They repeatedly refuse to stop pulling automatic payments out. For example, XXXX, XXXX XXXX I repeatedly asked for automatic payments to not go out. XXXX XXXX, an employee at the TD Bank at XXXX XXXX Rte XXXX, XXXX, NJ XXXX, lied to me about the bank holding my deposits, and erasing my deposits. An employee at the bank told me he was lying about the fact that the bank can hold my money for 6 days for bank fraud when my money was coming from the state government and federal government. XXXX XXXX, a TD Bank Corporate employee made sure that they were holding on to things like purchases at XXXX and other businesses, and putting them in all at one time to make sure I don't have any money. They know I want to legally pursue this, and have been sabotaging my funds so that I can't get a lawyer. They are actively trying to close the account to hide the evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
I am not an authorized user on this account, they will not remove it, i have no card, no charges, no account all i see is XXXX on the end of the account showing

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 2022-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX NA, XX/XX/2022, XXXX XXXX XXXX XXXX NA, XX/XX/2022,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, WF CRD SVC, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe my personal information was breached and I have requested these inquires to be removed from my credit file but Experian refuses to remove them. PLEASE DELETE THESE INQUIRIES I HAVE NO IDEA HOW THEY GOT ON MY CREDIT PROFILE. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 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 2022-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( s ) # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted to correct this situation with Equifax on multiple occasions but they are non-compliant and negligent in their reporting of my account they have still after multiple attempts did not remove the inaccurate items listed in the following complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed some hard inquiries on my credit report. I contacted the credit bureau fraud department today, on XX/XX/2022. I informed them that i have XXXX hard inquiries that were unauthorized. They did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, forgive my writting but english is my second language. 
I purchase in vacation arts with Park West Gallery. I have received the arts and everything but I still haven't managed to pay the product. First of all, when I try to access the website to pay it didn't work. It took a month before I could get on the website of the bank ( SYNCHRONY BANK ). After accessing the website, I tried to pay right away the arts because they were already charging me interrest when the seller said I wouldnt have to make any payment until 6 month of receiving the arts. I bought the arts on XX/XX/2022. When I was on the synchrony website to pay the credit bill. It didn't work. I contacted clientel services and I ask them for others ways to pay. I offered to pay directly from my bank, with another credit card or with XXXX. They refused. The problem with my bank is that I'm XXXX and I have a XXXX bank accompt and they do not accept XXXX bank accompt for payment. This is really weird. I ask to the person I was talking to what can I do to make the payment? And they responded that I have to wait until they figure it out. It has been 2 month already. I took picture of the conversation that the person said they will get back to me shortly which he never did. I still receive bill for the payment and interrest keep increasing. I ask them to pay the full ammount right now to not have any interrest but they still don't try to help 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 2022-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe my personal information was breached and I noticed a few inquiries on my credit profile and asked Transunion to delete them but the inquiries are still on my credit profile. Please delete these fraudulent inquiries from my credit profile. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
i used covid forbearance to postpone payments after i lost my job. freedom mortgage and i then verbally agreed over the phone to restart payments XX/XX/2022, in an XX/XX/XXXX phone call ( that they admit is recorded ). completely out of nowhere, freedom mortgage then foreclosed on me. 

they have also said i get 12 months of forbearance relief plus another 6 months from the VA, and all in all, those 18 months are not up until XX/XX/2022 yet they are foreclosing anyways. 

DEMAND THAT YOU LISTEN TO THE XX/XX/XXXX PHONE CALL THAT WASW 35 MINUTES LONG. YOU WILL HEAR IT THERE.

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