vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
The original amount of the purchase was XXXX. The merchant took and additional amount of XXXX out of account that was never authorized or use to purchase anything. Tried to contact the merchant via email no number listed unsuccessfully ( phony web site ) contacted both 5/3 bank and XXXX. Advised them I had one UN AUTHORIZED transaction for XXXX that I had no ideal. Advised I would also like to dispute a charge for XXXX believe to be a scam because additional money XXXX that I did not authorized came out. 
Both the bank and XXXX Denied my dispute because the merchant provided tracking numbers to say it was Delivered. 

However In contacting the USPS it was not delivered TO MY ADDRESS, but an undisclosed location. I have Never received anything from this company, and they took money out that was Never authorized, and have not been able to contact them. My bank and XXXX denied my dispute because of tracking numbers that said it was delivered EVEN THO IT WAS NEVER DELIVERED TO ME OR MY ADDRESS. 
How can I get my bank or XXXX to do a CHARGEBACK to the merchant. I have been a customer with both for over 30 years, and they refuse to assist me in any way. 
5/3 bank XXXX Merchant : XXXX ( no email or phone )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Accounts Service Team Inc.
State: OK

Complaint narrative:
Financial Account Services is reporting a paid balance of {$53.00} to XXXX. This account was paid directly to the original creditor before this debt was reported to the bureau. I never received proper notification of this debt as outlined by FDCPA 809 ( b ). I have requested documentation of verification by mail as of XX/XX/22 from Financial Account Services it is now XX/XX/22 with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page XXXX shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: HI

Complaint narrative:
After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, Experian, XXXX, and XXXX are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on Experian, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/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 2022-03-25 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: MD

Complaint narrative:
I, XXXX XXXX, am sending this complaint on behalf of myself. This complaint is not being submitted in error or by a third party agency. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
The credit bureaus Experian, XXXX and XXXX are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXXm so depress because paypal closed my account very fast and for no reason. My account to them is new and im not familiar for all the features they have in the paypal apps. I am working as a freelance coach and virtual profesional together with my staff. Im the owner of my company computer technology services world wide. The date i created my account to them is on XX/XX/2022 then i decided to closed account on XX/XX/2022 because of some mistaken information about me and my company. On the same day XX/XX/2022 i decided to try to create new one for my personal account then upgraded to the business account coz i had a true business and i believed that is the right move to grow and to expand also to get know my business better. Then on that date a day after a created my accnt i already getting and receiving payment to my paypal business account for my work and for my company services then suddenly i got some email coming to paypal asking me to upload my identification card also to explain my business. I do answer them and already upload my i.d and sent back to them. A day after after review dated XX/XX/XXXX, i got shock because of the email i received from paypal, saying im no longer do business with them because they said my account is engaged in activity to deceive paypal and its customers. Paypal company accusing me deceiving them and its costumers, why they said that? Im not doing wrong things to get paid by others i am doing very good and right business as per law. If i do wrong things to paypal. please i ask them to give any proof that im doing wrong things or i violated any rules. I am not sure if this is some mistake. Why im here to report this kind of situation. I feel they are not doing their job in the rightful way and its affecting me a nice and great deal as of now. My account still have funds and i can not manage to use it because paypal permanently limit my accnt. I get that money because of my services and not for deceiving anyone like they said to me. My email linked to my paypal account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Atlanticus Services Corporation
State: AZ

Complaint narrative:
References : XXXX & XXXX Fortiva has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page 9 shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
To whom it may concern, On or about XX/XX/XXXX I received a notice from the Massachusetts XXXX that the registration for my XXXX XXXXXXXX XXXX will expire the last day of XX/XX/XXXX and that I could renew it online before that date. I tried Multiple times to complete this process and it kept coming back, unable to renew online. I called My insurance agent and they informed me that the XXXX was aware that my wife XXXX XXXX passed away on XX/XX/XXXX and the only way to renew the registration was to have my wife removed from the title. I called Fifth Third Bank out of XXXX, OH as they are financial institution that has the loan and lien on the title multiple times, including the title department and probate department to inform them that I needed my Wife XXXX XXXX removed from the title. I told them I would send them XXXXXXXX XXXX death Certificate and documents from probate court that I XXXX XXXX is the executor of her estate.They told me multiple times, that the only way to remove her was to pay the loan off in full or to refinance the loan. This is a complete act of cruelty and unfair practice this bank has put on me. Because my wife XXXX from XXXX at the age of XXXX I should never been put in this position. Fifth Third bank backed me into a corner and forced me to either refinance the loan with another bank at a rate of 4 % higher then what I am currently paying, or drain my bank account and pay the loan off when I just lost my wife and her income, More over I have an underage child that I need to take care of. I want this issue addressed and I also want it brought to the atttention of Congress. A simple Certificate of death should of solved this issue in a matter of minutes, but Fifth Third bank just destroyed my life even more than it already was due to the loss of my wife. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CO

Complaint narrative:
I was supposed to be paying XXXX car rental company a weekly payment for the rental I had that I was using for XXXX. I am a customer of Wells Fargo, Wells Fargo each week would deem the payment from XXXX car rental as a potential fraud and decline it, while acccepting all other payments that I was making to my debit card. XXXX car rental just like XXXX, proceeds to deposit and then withdraw into the bank account over 24 hour period which I thought they were doing. Wells Fargo was denying the payments until it became one lump sum payment and before my account was nearly below {$200.00}, in which after at their discretion, Wells Fargo proceeded to overdraft the account by over {$1900.00} without my consent, and left me in a hole by hindering my XXXX XXXX because I had to return the car I thought I was paying for it. I started talking to Wells Fargo complaint center earlier this week about this issue and they further perpetuated the issue and made it worse as I just saw this morning that XXXX withdrew another payment from my account at the discretion of Wells Fargo with Wells Fargo knowing that this is in the process. Wells Fargo is openly committing this fraud. Wells Fargo is continuously allowing XXXX. to withdraw funds from my checking account, even though I dont have the available funds. Wells Fargo knows that Im in the process of reporting them for this fraudulent activity. It goes against the overdraft protection rules. Wells Fargo is literally sabotaging my life financially, and there continuously allowing this activity to happen even though its against the law and they dont have my written affirmative consent to overcharge. I have evidence of all of the fraudulent activity including the executives in the complaint center avoiding answering my questions. 

I have all the evidence the CFPB will need to prove that Wells Fargo is committing this fraud against me. Please contact me at XXXX, and my name is XXXX XXXX. 

Thank you for your help, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: AZ

Complaint narrative:
References : XXXX & XXXX XXXX has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. 

I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX 

This account should be listed as PAID NEVER LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, XXXX, XXXX, and Transunion are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on XXXX, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/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