vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
M & T Bank just migrated the accounts of Peoples Unite Bank over the weekend. Since the transfer I have been unable to access my funds online to pay bills or transfer money between accounts. In addition, M & T is not answering their phones and the staff at my local branch is unable to figure out what is wrong. I need access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I was called by a person claiming to be a XXXX XXXX rep after I received a text about a potentially fraudulent charge. I was instructed to send Zelle payments in order to have them flagged as fraud and theyd come back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
For the last several years my addresses on my report have been inaccurate, my DOB has been inaccurate, and credit inquiries that are not mine have shown on my report. 

Ive been unable to access my report ( only through XXXX XXXX. ) the other 3 require identity verification that doesnt apply to me. I contacted an attorney to help, who was actually able to pull a good portion of my report and 90 % of it is inaccurate which leads to the denial of any attempt to receive a loan or credit. I am unable to dispute said inaccurate information due to the fact that every single component of my report is wrong. 
I can not log in to any of the 3 bureaus, and those bureaus, no matter how many times Ive called or sent in my personal info, changes nothing. My disputes have not been investigated or applied. 

I have been denied for every loan, credit card Ive tried to get. even the ability to verify my identity to get a loan is hard due to inaccurate information that I am unable to fix alone. 
There are medical debts, credit cards on my report that are not mine. And during the attempts to get a loan, Ive been asked about my mortgages, student loans, addresses, phone numbers, pet insurance that arent mine in the attempt to receive a loan. Instant denial for loan because they think its not me. 

Ive exhausted all options, and its became extremely detrimental to my financial, and emotional well-being. I feel absolutely stuck with no way out of the situation. 
I am aware that I am entitled to an accurate report with the FCRA and I will go to any length I can to resolve it. 
I can not get approved for student loan, buy a home, approval for credit card, day care, lending companies, leasing companies, or an auto loan because nobody can verify my identity due to the extensive inaccuracies in my report. 

Theres a woman in my town with the same name, DOB 10 days after mine with a nearly IDENTICAL social security number. ( Her last two digits is XXXX and mine is XXXX ) this is the only difference between the two. She reached out to me in hopes of solving the issue. 
Weve both been unable to solve the situation on our own. And need help. Our attempts to reach out to each bureau has left us going in circles with no success. 

Ive reached out to attorneys who do not know how to help me. 

( In documents attached, the highlighted yellow ones are inaccurate )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TN

Complaint narrative:
For the last several years my addresses on my report have been inaccurate, my DOB has been inaccurate, and credit inquiries that are not mine have shown on my report. 

Ive been unable to access my report ( only through XXXX XXXX ) the other 3 require identity verification that doesnt apply to me. I contacted an attorney to help, who was actually able to pull a good portion of my report and 90 % of it is inaccurate which leads to the denial of any attempt to receive a loan or credit. I am unable to dispute said inaccurate information due to the fact that every single component of my report is wrong. 
I can not log in to any of the 3 bureaus, and those bureaus, no matter how many times Ive called or sent in my personal info, changes nothing. My disputes have not been investigated or applied. 

I have been denied for every loan, credit card Ive tried to get. even the ability to verify my identity to get a loan is hard due to inaccurate information that I am unable to fix alone. 
There are medical debts, credit cards on my report that are not mine. And during the attempts to get a loan, Ive been asked about my mortgages, student loans, addresses, phone numbers, pet insurance that arent mine in the attempt to receive a loan. Instant denial for loan because they think its not me. 

Ive exhausted all options, and its became extremely detrimental to my financial, and emotional well-being. I feel absolutely stuck with no way out of the situation. 
I am aware that I am entitled to an accurate report with the FCRA and I will go to any length I can to resolve it. 
I can not get approved for student loan, buy a home, approval for credit card, day care, lending companies, leasing companies, or an auto loan because nobody can verify my identity due to the extensive inaccuracies in my report. 

Theres a woman in my town with the same name, DOB 10 days after mine with a nearly IDENTICAL social security number. ( Her last two digits is XXXX and mine is XXXX ) this is the only difference between the two. She reached out to me in hopes of solving the issue. 
Weve both been unable to solve the situation on our own. And need help. Our attempts to reach out to each bureau has left us going in circles with no success. 

Ive reached out to attorneys who do not know how to help me. 

( In documents attached, the highlighted yellow ones are inaccurate )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Account status, despite being paid in full, has not been reported since XX/XX/2022. Despite several attempts to remedy this, Comenity agents are reluctant to provide clear information, and instead give vague blocks of time as to when they will do their due diligence. " Within XXXX billing periods '' when this has been going on for XXXX  months is wholly inappropriate and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX and XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also listed under inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My truck was repossessed today, less than an hour ago. It creates a hardship if I can not get that vehicle back asap, I can not go to work. There was no warning, the tow truck came and took the vehicle. Ally can not provide proof of validation of the loan, nor will they accept other forms of payment which have been sent. They are very aggressive and I am now under duress. 

I sent a letter a few months ago disputing the account, called them out on fraud, they immediately closed the account and refused to accept any more payments in fiat currency and is demanding certified payments. Again, this account is in dispute so the vehicle should not have been repossessed. 

On XX/XX/XXXX, I received a letter indicating a charge off with no repossession in the communication. This is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank has not posted a refund of {$170.00} back to my credit card ending in XXXX, which the merchant claims to have successfully submitted on XX/XX/XXXX. 

On XX/XX/XXXX, I made a ticket purchase of {$170.00} from NJ XXXX using my credit card ending in XXXX from XXXX Bank. I had used XXXX XXXX on my phone ( which uses a virtual card number ) to make the purchase, so the receipt showed the last XXXX as XXXX. In XX/XX/XXXX, XXXX Bank sold its credit card business to Citizens Bank, and my XXXX card ending in XXXX was closed, and I was issued the Citizens Bank card ending in XXXX. In XX/XX/XXXX, I returned the unused ticket to NJ XXXX, which claimed to have made a full refund back to my now-closed card on XX/XX/XXXX. 

The refund has not yet been posted to my Citizens Bank credit card account, nor have I received a refund check from Citizens Bank or XXXX Bank. I checked with NJ XXXX on XX/XX/XXXX, and it claimed that the XX/XX/XXXX refund was successful. I then tried following up with XXXX Bank on the same day ( XX/XX/XXXX ), but after speaking with multiple departments, they claimed they were unable to view any information pertaining to my XXXX card since it was now closed. I then contacted Citizens Bank and went into a local branch. Although they claimed they were unable to view any information regarding my now-closed XXXX card XXXX they were able to find the purchase I had made on XX/XX/XXXX. They claimed they were unable to find the XX/XX/XXXX refund of {$170.00} from NJ XXXX, however. They then opened a merchant dispute on my behalf on XX/XX/XXXX ( case # XXXX ). 

Since then, I have not received any updates with respect to the case, nor have I received the refund from either bank. This is surprising, considering XXXX ) in XX/XX/XXXX, I previously had a refund successfully post to the same Citizens Bank card for a different purchase I had made with the now-closed XXXX Bank XXXX XXXX and XXXX ) neither bank seems to have accounted for these kinds of refund transactions by properly setting up information sharing of clients transferred from XXXX Bank to Citizens Bank XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 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: MI

Complaint narrative:
Transunion continues to report inaccurate information on my credit report. The XXXX accounts are listed below ; XXXX. XXXX  : this is listed as a charge off but is showing a missed payment with a balance of {$2700.00}. This is inaccurate reporting XXXX : listed as a charge off and showing a missed payment with a balance of {$13000.00}. Also being reported in accurately. 

The date of last active and date of last paid is different from the other XXXX credit reporting agencies. How can this be if this is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX Original creditor : XXXX XXXX XXXX  Balance details 100 % of this account is paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this 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 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/22 a account in the amount of {$950.00} appeared in my credit report from a company called Account Resolution Services. I have never heard of or been contacted ( neither by phone or mail ) from this company. I called the company to inquire about the debt however the information that they provide was general and not enough to determine that this was my debt. Also I did not have any previous communication with this company prior to them putting the account on my credit report therefore I had no time to request a verification of debt prior to it hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: On Q Financial
State: NV

Complaint narrative:
Hello, as you all know the process of buying a property can be difficult. 
There are many forms to be signed, and information can seem a lot at times. 

At my signing I noticed there would be any extra mortgage payment that I would have to make. No sure I asked to notary, and she indicated it was a second mortgage. Further along I called the lender and left a message in this regard. 
The notary came back into the office with copies, and told me the under writer stated the second mortgage was for down payment assistant. I had to show through bank records that I had down payment monies. 
I was also told that there were down payment programs that would assist me as well, if needed. 

I was never told there was 2 mortgages that I would have to pay, that was never explained to at any time. 
Yes I did sign paperwork, at that time I was the end of the transaction, and I felt I had no choice or option to do anything else but sign. 
This second mortgage should have been clearly explained to me. 
Instead of now I'm stuck with an entire second mortgage, and I can refinance my first mortgage, until this second is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I mailed a verifications f debt letter to National Recovery. On XX/XX/2022 they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX/beginning of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation