vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: VA

Complaint narrative:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their 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 2023-04-13 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: TX

Complaint narrative:
Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National Credit Adjustors XXXX I have been contacted in XXXX by the company saying I owe the above amount. I requested debt verification information and was told I would receive it within 90 days. I never received it so when they contacted me again in XX/XX/XXXX I again requested the info and was told would receive within 90 days. After the 90 days i asked the debt be removed but was told i would receive the verification in 30 days. I asked if it could be removed from my credit report and was sent another payment email instead of a response. I feel I have wasted enough time requesting the verification info and waited long enough with the negative debt on my credit. I would like the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2023-04-13 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:
Consider this complaint as my follow-up prior to my previous complaint to ensure that the fraudulent items in my file are ultimately removed. 

Please Remove these items : XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I have both a savings account and checking account. Because the bank required it for a loan, I had an automatic transfer every month from checking to savings. Last week, I got an email telling me that the transfer did not happen this month because my checking account does not exist. Spending more than an hour on the phone, I got a number of different answers and was told to send an email to XXXX explaining the issue. The phone reps also told me that my checking account was fine, but my savings account had been XXXX because of lack of activity even though I had the activity screen pulled up and there has been at least 1 transaction every month. 

I got an email back from the abuse address that told me I should be using the customer service number for quicker response rather than an email.

I got another email from the abuse address, telling me that the message about my checking account not existing was a valid message. Then I got a letter in the US Mail, also telling me the From Account ( my checking account ) " Account Does Not Exist ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: CA

Complaint narrative:
I have submitted several disputes with the following credit reporting agencies Experian, XXXX and XXXX about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date opened-XX/XX/XXXX, balance- XXXX XXXXXXXX XXXX XXXX date opened-XX/XX/XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date opened-XX/XX/XXXX, balance- {$0.00}. XXXX XXXX, date opened-XX/XX/XXXX, balance- {$970.00}.

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 2023-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
In XXXX of 2023 I sent the updated orders showing the military order extensions to American Credit Acceptance. With these orders it showed that the loan was still covered under SCRA. We also sent in a good faith payment to the company of just under {$900.00}. On XX/XX/2023 a towing company showed up to our home showing that they had received an order from the company to repossess the vehicle. At this time the towing company took the vehicle from our property. We have received no court documents or summons to court on this matter. We have received no notification via mail or email telling us of this after the date of our good faith payment. I had to have major XXXX  XXXX on XX/XX/2023, which had me off work for quite a while and I am still only back to work part time. This has caused us financial hardship due to the lack of a XXXX income family. I feel that they have violated our right to be able to fight this issue in court or even explain why the payments had not been made by the company not notifying us of any hearings or obtaining a court order. The vehicle they repossessed is the military members primary vehicle getting him back and forth to the base.

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 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
First Citizens Bank opened a business checking and personal checking account about a month ago. Today I received a letter saying that due to some XXXX inquiries ( which are not fraudulent ) I received in order to refinance my business credit card debt at a time of need from rising interest rates that I had all of my account closed. This has completely blindsided me and it goes against community banking of XXXX XXXX XXXX XXXX in traditionally disenfranchised neighborhoods like XXXX XXXX XXXX. I received a call from the branch manager XXXX XXXX XXXX XXXX XXXX telling me there is absolutely no way to reverse the decision and that I was simply out of luck. Considering that taxpayers just financed the sale of XXXX XXXX XXXX to this multi-billion dollar bank, there should be some consideration and reciprocity for people like me who are struggling to stay afloat. I have never been late, sent to collections, or filed for bankruptcy so this decision has nothing to do with creditworthiness. If paperwork were necessary to undo this action I would have provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: NY

Complaint narrative:
There are accounts on my report that do not belong to me. 

Please see attached files!

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 2023-04-13 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: GA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-13 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their 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 2023-04-13 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their 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 non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I receive my bank statements from USAA by mail as I prefer this method of communication. When I wrote some checks I found out that my account was frozen. I was never informed by mail, phone call or email that my account was frozen. I called USAA and they explained that they had contacted me online. I told them I had my statements sent to me by mail and I do not like to go online. They said something about they had contacted me online about a signature card after my beloved wife had unfortunately passed away. I was told to send them a death certificate and that would be sufficient. I was then told by another person that I would have to hire an attorney and get some kind of form because I did not acknowledge the online thing about the signature card. Once again I told them that my statements were sent to me by mail and I do not check my account online. Why didn't USAA call me, send me request by mail or email about this to begin with. They can not only use online as my elderly people like myself prefer other methods than online. Why did they not contact me that my account was frozen by either calling me, writing to me or emailing me? This is no way to treat a veteran XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank closed my account today XX/XX/23. I would like to know why. All my funds are in this account and I need money I cant eat or pay bills. I tried calling them they cant give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently did an investigation on my credit report which has caused confusion, stress and the misuse of my credit file, finding multiple inaccurate, unverified and questionable items that the bureaus show not to have 100 % correct. 

Account Name : XXXX XXXX Account Number : XXXX The first inaccuracy I noticed, when I went into my local XXXX XXXX branch located in XXXX, Texas, I was given the paid off balance receipt of {$1400.00} due to making the first initial payment. However, the reporting balance amount on my credit report shows to be {$1500.00}, whereas the starting balance before my first payment was made of the loan was {$1500.00}? Are collection companies supposed to tack on additional fees? 

The second inaccuracy, when I pulled together my XXXX, XXXX and my Fico regarding the XXXX XXXX  account, I quickly noticed different months of receiving payment. Isnt my personal credit file that verily impacts my life, supposed to show accurate information? I have felt unheard and overwhelmed with credit bureaus not making sure everything is verified correctly before throwing any collections onto my credit file. The decisions of the credit bureaus, takes a huge impact on my financial future, therefore needing to make sure collections are verified and correct with everyone involved. Please take care of this matter promptly with a deletion due to inaccuracy and incorrect information that violates the FCRA law. Thank you for your 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 non-monetary relief
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently did an investigation on my credit report which has caused confusion, stress and the misuse of my credit file, finding multiple inaccurate, unverified and questionable items that the bureaus show not to have 100 % correct. 

Account Name : XXXX XXXX Account Number : XXXX The first inaccuracy I noticed, when I went into my local XXXX XXXX branch located in XXXX XXXX, I was given the paid off balance receipt of {$1400.00} due to making the first initial payment. However, the reporting balance amount on my credit report shows to be {$1500.00}, whereas the starting balance before my first payment was made of the loan was {$1500.00}? Are collection companies supposed to tack on additional fees? 

The second inaccuracy, when I pulled together my Experian, XXXX and my Fico regarding the XXXX XXXX account, I quickly noticed different months of receiving payment. Isnt my personal credit file that verily impacts my life, supposed to show accurate information? I have felt unheard and overwhelmed with credit bureaus not making sure everything is verified correctly before throwing any collections onto my credit file. The decisions of the credit bureaus, takes a huge impact on my financial future, therefore needing to make sure collections are verified and correct with everyone involved. Please take care of this matter promptly with a deletion due to inaccuracy and incorrect information that violates the FCRA law. Thank you for your 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 2023-04-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: AZ

Complaint narrative:
On my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements card ending XXXX there were charges that I disputed under case number XXXX. After the card ending in XXXX and was closed XX/XX/XXXX I continued statements until XX/XX/XXXX balance XXXX and charges on this closed account. I paid off the balance on the account XX/XX/XXXX when I reported the fraud. I was given a new card ending in XXXX. The 1st statement XX/XX/XXXX showed fraud again with the same company charge as before. I disputed the XX/XX/XXXX charge for XXXX on XX/XX/XXXX.. A credit balance came for XXXX on XXXX card ending over payment. I received more statements with this account number after the XX/XX/XXXX closure date. XX/XX/XXXX fraud occurred again showing as XX/XX/XXXX XXXX XXXX 2 charges XXXX and XXXX these were disputed on XX/XX/XXXX. On XX/XX/XXXX card ending in XXXX was closed at my request due to fraud on XX/XX/XXXX statement which I had filed a dispute on twice. At this time XXXX rep for First Progress stated the was a card ending in XXXX issued in XXXX. I informed him I did not receive the new card and requested it closed and reissue new card. I changed my mailing address and asked him to confirm it is now as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX. He stated the address was not this and XXXX requested it be changed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: NY

Complaint narrative:
There are accounts on my report that do not belong to me. 

Please see attached files!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: IL

Complaint narrative:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation