vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Identity theft issue. I am not the person XXXX XXXX has a contract with. It is not my name and I have never opened an account with this company. It is an identity theft issue that I have been dealing with. It is not my birth date they have listed, but a similiar birthdate. It is not my name they have listed, but a similiar name. However they have somehow put it under my social security number by mistake or gotten me mixed up with the similiar name ... and put it under my address. They are trying to bill me for another person 's bills and say it is mine and put it under my credit report. I have reported the " identity theft '' and the name as " identity theft '' however EQUIFAX seems to be the cause of the " BREACH '' I believe. Equifax refuses no matter what I tell them to remove the wrong name. The first name is " XXXX '' since registered with State. Never " XXXX ''. I have called multiple times to report to Equifax, written Equifax multiple times, sent them UCC laws, sent them passport, sent them licenses, sent them FTC Identity Theft reports, but still they refuse to remove the name " XXXX '', which opens the door to more identity theft by the original breach and thief. ( all by internet, by usps mail and called multiple times to talk to agents ). NO MATTER WHAT I DO, EQUIFAX REFUSES. NO OTHER CREDIT COMPANY OR COMPANY CONTINUES TO MAKE THIS MISTAKE EXCEPT EQUIFAX. At this point I want to opt out of Equifax and take all my information off of their reporting circuit. I do not trust them after their breach and they do not seem to be able to correct their mistakes. I want to OPT OUT of EQUIFAX. They have caused too much trouble for me and I believe they have actually CAUSED my Identity Theft and are continuing to put me at risk!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurately 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 explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I have received an email from 'American Express ' today afternoon at XXXX XXXX that I've been approved for a new Card, but I never requested for this credit card. 

Action taken : 1. Since I have NOT applied for any credit card so I called American Express to report this as a Fraud and got this card canceled. I have also asked them to raise an investigation to look into this further. 

2. I have also called XXXX to report this fraud activity and raised a dispute. I did a credit Freeze too. 

3. Credit Freeze is also done with XXXX and XXXX XXXX 

4. I tried to notify the Federal Trade Commission ( FTC ) of the fraud which lead to this CFPB - The Consumer Financial Protection Bureau submission request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off two months that I missed it was not clear to me that two months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK

Complaint narrative:
To whom it may concern, I had a student loan with Discover Student Loans, which I paid in full XX/XX/XXXX. 
Since that day, I keep receiving physical letters from Discover. 

On XX/XX/XXXX, I requested them, in written form. through their website, to stop contacting me and to delete my personal information since the debt has been paid in full. 
They responded, in written form, through their website, that they would stop contacting me, unfortunately, to this day, XX/XX/XXXX, they are still sending me physical letters. 

Please proceed to instruct them not to contact me again, in any way, shape or form. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Excessive overdraft fees

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 2023-06-05 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: VA

Complaint narrative:
I've reached out to TransUnion Credit Bureau and they did not help me at all with fraudulent credit inquiries. I have not applied to these creditors during this timeframe listed below, and want these inquiries that I did not authorize to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries as I have not authorized these inquiries listed above on the specified dates ONLY. 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 2023-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am highly disappointed with XXXX. They are the only company out of the 3 bureaus that refuse to remove these 2 fraud accounts from my profile. both XXXX and XXXX were able to confirm that those accounts were indeed fraud. I sent out The beginning of XXXX and XXXX refuses to remove these accounts. PER 15 USC 1681 B AS A CONSUMER I KNOW MY RIGHTS YOU ALL CAN NOT FURNISH ANYTHING THAT I SAY IS FRAUD ON MY ACCOUNT. YOU ALL CAN NOT FURNISH ANYTHING ON MY ACCOUNT THAT I SAY DOES NOT BELONG TO ME. At this point XXXX is breaking the law and I may have to take legal action if this matter isnt corrected asap. I will give this company one more chance to properly investigate because this company never sent me the steps they took to verify the account nor did they tell me if they found my actual wet signature attached to these accounts, WHICH IS ILLEGAL DUE TO THE CONSUMER LAWS. THE ACCOUNTS THAT HAVE TO BE REMOVED ARE CAPITAL ONE AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALPHA MIDCO INC
State: AL

Complaint narrative:
Received letter from XXXX and associates stating they were debt collectors and I owe a debt to Sapientes Funding II LLC which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from XXXX  in the amount of {$850.00}. Did not know if I should respond to the company or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: IL

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed 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 explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I enrolled the offer of FNBO {$300.00} Checking Bonus + {$200.00} Savings Bonus with details like below : " FNBO Bank is offering a bonus of up to {$500.00}. Bonus is broken down as follows : Open a new checking account with XXXX XXXX XXXX and receive a {$50.00} bonus Open FNBO Savings account the same day as your checking and receive a {$10.00} bonus Set up and receive qualifying direct deposits in your new checking account ( direct deposits totaling {$500.00} must post to your account XXXX XXXX periods in a row ) and receive a {$250.00} bonus Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus '' I was able to maintain the balance of at least {$3000.00} in the savings account ending in XXXX for at least 90 days. I deposited at least {$3000.00} on XX/XX/XXXX and kept it until XX/XX/XXXX. I attached all the statements showing these balance. 
However, I still didn't receive the bonus. Now the account was automatically closed due to XXXX balance. 
Based on the requirement " Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus ''. I should receive the bonus since I kept the balance for more than 90 days and checking account requirement was satisfied. 
Please resolve this ASAP!

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 2023-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach, XXXX XXXX and the XXXX market, I need these to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach, Experian XXXX and the XXXX market, I need these to be removed.

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 2023-06-05 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: Credit Control, LLC
State: PA

Complaint narrative:
There is 2 different debt collectors reporting the Same debt account ( same credit card company/XXXX XXXX ) on my credit report. I never had 2 of the same credit cards from one company at the same time, but 2 different debt collectors are reporting the same thing on my credit report. I have disputed multiple times and everytime it cones back saying they have the correct information. If it is correct then how do they have the same account. You may call XXXX  XXXX bank and ask if they give one person 2 of the same credit card with same account numbers. I highly doubt it. This has been ongoing for over a year now and I have been turned down multiple times for personal lones/ business lones and credit cards. I am so stressed and this has caused so much hardship on my end. I really need some help with this or information on how to Sue both these 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 2023-06-08 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: NY

Complaint narrative:
This letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXXXXXX 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 2023-06-06 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: TN

Complaint narrative:
Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-05 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: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
An amount of {$35.00} was taken from my checking account, " authorized '' on XX/XX/XXXX and went through on XX/XX/XXXX. This charge took place in a location that I had not been ( XXXX XXXX, MN ). I did not authorize this transaction, so I called Wells Fargo to report fraud. They canceled my card, but on XX/XX/XXXX I received notice by mail that my claim was denied. 

I know for a fact i did not make a charge of exactly XXXX, and that me and my card were in XXXX, MN at the time.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The automatic scheduled payment feature is failing after setup and is being removed by the bank system automatically resulting is late payment fees to account holder ( me ). I have setup auto payment 4 times in the past and the same thing happens each time. The credit company in this case is comenity bank and are not able to resolve this issue and are not able to re fund the {$30.00} late payment fees. Their technical teams have not been able to resolve this issue and is causing financial loss and frustrating experience to the account holder. I want CFPB to review this case and take appropriate action.

Company response to consumer: Closed with monetary relief