vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company has not responded and removed inaccurate information pertaining to inquiries, charge-offs etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX that an attempt to open an account with Fifth Third Bank was made. I waived this as not an account I attempted to open. On XX/XX/XXXX, I learned from a Fifth-Third Bank representative that a business account was opened on XX/XX/XXXX using my name and social security number. The representative would not provide any further information citing that I was not the person who opened the account, despite that it was opened using my personal information. 
Several attempts have been made by XXXX to intervene on my behalf and Fifth Third Bank has refused to acknowledge my notarized POA to XXXX, or provide any information. 
On XX/XX/XXXX, I was on yet another call with Fifth Third Bank and XXXX and they still refused to provide any information regarding the fraudulent account. The amount of damage to my credit is unknown as Fifth Third Bank continues to protect the criminal and due to several notices provided, is complicit in this ongoing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company has not responded and removed inaccurate information pertaining to inquiries, charge-offs etc.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company has not responded and removed inaccurate information pertaining to inquiries, charge-offs etc.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have a hard inquiry on my credit report from Onemain Financial. I don't know this company and certainly never applied for a credit card with them. Additionally, I have no paperwork from this company and have no idea what information they have for me as a potential customer. I understand that they should have sent me information on any account for me that they might have. I have nothing to reference for the complaint. 

I am sending them a letter today regarding this issue. It's attached below. 

I want the hard inquiry removed and my credit score to reflect the change immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
The save program isnt being applied correctly. One minute Im told that I have a payment less than {$200.00} and then I get a message that its over {$500.00}. 

My PSLF forms that are being submitted are not counting over a year of payments that would be approved according to guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio called and i asked to send me a written notice of such debt. That was the first call. 2nd call a person I know was visiting and I was in the kitchen and asked for that person to answer my phone. They identified themselves of being with Portfolio recovery. My guest asked what the issue was and Portfolio gave my guest my full name, address and what they are trying to collect. They gave another person my whole information. Please delete this of my credit. Reparations for harassment and giving out my whole information to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I made a purchase for a XXXX XXXX set for {$79.00}. After almost 2 months I received a product that I didn't order or purchase. I filed a complaint through XXXX & they did not resolve the issue & told me to file a dispute with my card issuer. I did that & they have not worked with me in a satisfactory manner. My brother died of XXXX unexpectedly on XX/XX/2023 & I was in XXXX for over a month. When I got back home to XXXX I called the company and submitted was I was told to submit. They denied me a credit saying I was missing information. I called & got the information they wanted me to submit. I faxed that to them. They had a complete packet from me that I mailed from my Post Office. Now they are saying I didn't have it all together in the same packet. They have all the information & more. I was scammed & they know this, XXXX ID # XXXX agreed with me on the phone the last time I called them. Now I need your help because I really don't appreciate being scammed by not only the original company in XXXX, but the credit card company here in the U.S.A. as well. Please help. I never received what I originally purchased and I just want the money back on my credit card in the amount of {$79.00}. 
XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
- vehicle total loss XX/XX/2023, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/2023 left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I reviewed my consumer reports and have noticed I have multiple late payments on the accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this accounts that I included in the screenshot inside this complaint in on dates of [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ], [ XX/XX/XXXX ]. Please investigate and provide proof with statements showing these payments are late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they as they should be due to the fact i was never late. Thanks! Please send see screenshot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was incapacitated from XX/XX/XXXX, XXXX XXXX, XXXX and there was {$48000.00} on a charged off business line of credit ( credit card # XXXX ) for my business, XXXX XXXX and XXXX XXXX XXXX PA. The perpetrator did make charges prior to the listed dates as well ; However I did not catch it. I have disputed it with Wells Fargo with 2 FTC reports, a Police report, and proof that I was incapacitated yet, they still deny it even though the same thing happened to my other business account with them that they accepted ( Totality Health $ XXXX Acct # XXXX ). They need to rectify this and remove ALL of the credit card balance from my charged off account.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done 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 2024-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since I started banking with Bank of America, the fraud department seems to not care about the customers complaints. There were multiple telephone numbers listed on my checking account, I asked them to remove all phone numbers but mine. My number is the only number " greyed out '' meaning they are unable to authenticate me. Ive had multiple fraudulent activities on my checking accounts, where transactions are digital. I told them that someone in the XXXX has all my credentials. This has been ongoing for more them three years, it started at XXXX XXXX. They did nothing knowing there was fraud on my account. Bank of America seems too not take fraud seriously, it only appears that way when calling the fraud Department. Ive had to close numerous accounts which I was told top do by Bank of America staff due to fraud. They would close one account and make me open a new account not really investigating the cause and who was doing the fraud to me. I lost a lot of money due to fraud. The fraud department does an internal investigation, but being someone has all my credentials and are pretending to be me, the fraud department overlooks this and blames it on me and reversing credits given due to me reporting fraud. It went as far as me contacting the Fraud Department at Bank of America corporate, this gentleman, XXXX in fraud himself said he isn't able to speak with me because he is unable to authenticate me. I asked him to contact me using a different office phone or cell phone, he refused. He had me contact my cell provider XXXX to give me a new XXXX card for my cell phone, I did what he asked and the bank still couldn't authenticate me. This is a Bank of America issue not my issue or XXXX which the guy XXXX working on my case thinks its everyone else 's issue but not his or the banks issue. 
He is very rude, not customer friendly and being he's in Fraud he should know better that if someone has access to all my credentials that the fraud is unlikely to be me. 
They never go above and beyond.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief