vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Noticed a few unfamiliar accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Noticed a few unfamiliar accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Received a new debit/ATM card from Citi for a checking account that I did not request. I contacted them and they closed the account, and started a fraud investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im having so many problems with Equifax its kind of sinister at this point. I think equifax may have created a new file and I need it merged if they created a new file for XXXX XXXX XXXX instead of posting it on my existing file. I have called equifax several times and they act like they cant speak to me they keep putting this math question how much XXXX its a very very irritating stall method purposely to get you to fail security questions and they give you a time limit as well. Its a very very unfair tactic to try and stall you to collect information I bypass experian and XXXX. XXXX has done everything I asked and I appreciate them much ( removed address ). I need my file merged I contacted multiple sources on this before even when equifax told me to contact XXXXXXXX XXXX XXXXXXXX and I did now they are telling me to contact Equifax this is all a very very sick game no one has the time or money to waste. I just want XXXX XXXX XXXX address removed and my real estate loan reported I can not afford to waste time with back and forth calls, cat and mouse, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$23.00}

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 2022-09-27 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: TN

Complaint narrative:
My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.

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 2022-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed a 30 day late payment with XXXX XXXX XXXX now XXXXXXXX XXXX through Experian. The bank took too long to respond so Experian deleted my almost XXXX of history of auto loan payments resulting in XXXX points decline. XXXX Bank has made numerous attempts to reinstate my loan history to no avail. It has impacted my ability to apply for credit etc because XXXX points is significant. I would simply like Experian to add back my auto loan.

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 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank processed 2 {$43.00} EFT payments from my bank account instead of one for a monthy XXXX credit card payment. Instead of just crediting back one payment, the rep. stated that I had to wait for a refund check to arrive in about 15 days. Secondly, a separate payment was also made to my amazon store card. Instead of processing 1 {$35.00} EFT monthly payment, Synchrony Bank processed 3 EFT payments. 

I do not want to wait weeks for a refund check for their mistake!

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 monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
I reported that my accounts had been compromised and disputed XXXX and then XXXX transactions. Chime found the transactions to be legitimate and told me I would have to find evidence. After bringing them evidence from almost every merchant they still said they needed more evidence and I was notified that my account would be closed. I also notified Chime that there was an upward of {$2000.00} discrepancy between what was actually in the account and the actual balance. They just told me I had violated their standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: VA

Complaint narrative:
In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, Transunion, XXXX and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is making payments to our account as a third party. They send the morgage check out on XX/XX/XXXX and it is still not applied to my account. Caliber Loans is not applying the funds when they are recieved which is making me recieve late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2022-09-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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:
In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, XXXX and Equifax has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: VA

Complaint narrative:
In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, Experian and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
In XXXX of 2022, I set up a payment plan to payoff a credit card debt I had with Navy Federal. my first payment would have been XX/XX/XXXX, however my funds that I was going to receive, arrived late than the expected date. On XX/XX/XXXX, my taxes finally came through. At this moment, I only had a Savings account. The representative Witheld information regarding opening up a checking account. I was told in order to transfer funds, I would have to open up a checking account. The representative neglected to also state that if I opened the account, that they would take the funds. On XX/XX/XXXX, I seen the full amount due, taken out of my account. I called NFCU right away. Now I'm out of XXXX  of dollars and I am currently being evicted and NEED the funds immediately. NFCU were not helpful and they told me they are not going to reverse my funds. Once they took the funds out of my account, they closed my checking account again. I had to call AGAIN for them to open my checking beck up. How does a company get to rob someone and then close their account? I wasn't notified they were taking my funds or closing my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2022-09-27 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
Company Paying : Continental Finance City/State : XXXX.If you have any questions about your application please call us at XXXX Monday Friday XXXX XXXX XXXX XXXX ET and Saturday XXXX XXXX XXXXXXXX XXXX ET. This company has been pulling my credit for over two years I have reported them to the XXXX  I had the freeze my credit because of them and I need something done. Please 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
This is my SECOND attempt to resolve this alleged debt with Med 1 Solutions ( see CFPB Complaint # XXXX ). The company alleges they talked to me about a payment arrangement, for which I have no clue as to how that happened, they must have me confused with another individual. The company DID speak with me, but in a derogatory and intimidating manner. I even went as far as agreeing to a lump-sum payment to resolve this issue - and it IS an issue as the services as charged were NOT services rendered, nor was my insurance even billed properly. 

Therefore, this is my SECOND offer to resolve this debt. I will pay a lump sum of {$850.00} to Med 1, and Med 1 will close this file and remove any derogatory credit reporting from all 3 bureaus. I am not interested in anything else but a lump-sum arrangement. I will exhaust all legal avenues possible should this not get resolved amicably. 

I do not wish to be contacted by phone or email regarding this. Send the agreed amount in the form of a bill and I will pay forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a credit card in the mail XX/XX/2022 from Bank of AmericaXXXX XXXX XXXX XXXX I did not apply for this card and call BoA. They have all my personal information including social and there is a credit limit of XXXX XXXX dollars. This was opened fraudulent and I have now frozen my 3 major credit report monitoring 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 2022-09-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 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