vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
They call me at LEAST every hour on the hour every single day and if it is not every hour sometimes it is multiple times in a row. For example : they have called me 4 times within one minute. On top of these excessive phone calls, I also receive several texts per day and several voice mails per day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my XXXX... Equifax and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I attempted to contacted Bank of America. They actually did nothing to resolve my issue. This has now cause a finical hard ship for me. I just had a new born baby. So based on bank American failure to assist me in this matter. Which falls under regulation E. This transaction was not authorized. And I would like it to be refunded immediately. 

email : 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 monetary relief
Consumer complaint received 2023-06-20 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: PA

Complaint narrative:
Equifax did not remove a medical collection under {$500.00}. I filed dispute Confirmation number : XXXX on XXXX to remove a medical debt under {$500.00}. Equifax reported that it is being reported correctly. They previously removed the debt earlier in the year as they should and it came back to the report in XX/XX/2023. Equifax even has a creditor class of " XXXX XXXX '' for the {$440.00} balance. 

To add, I paid the account in full, and I'm not sure what the {$440.00} is for anyways. See attached details : 1. Original invoice for {$2000.00} from the ambulance company 2. New invoice showing the {$2000.00} paid 3. Equifax dispute document that shows " XXXX XXXX '' and a balance of XXXX, with their statement saying it is correctly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-06-20 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: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I recently was checking my credit report and found this closed account showing it is a charge off. This is incorrect as the account was fully settled in XXXX of 2018 and account was closed. You can even see this in the payment history provided by the credit reporting services. The Huntington Bank is reporting a closed charge off account, I have sent a letter to Huntington Bank to correct or remove from my credit report. I have still heard no information from Huntington Bank. I want this closed account remove from my credit report This report is fraud reporting in my eyes, Please help this has been a nightmare,.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I previously had a car loan with Ally in my legal name. When I got my new car loan I signed it in the shortened version of my legal name which is also on my drivers license. Ally tries to say Im not the same person. They wont let me use my online account to pay my bill and it says information doesnt match when I try to reset it. When I try to make a new account it says this information already exists. I have spoke to them on several occasions asking for this to be corrected because they do not send me a paper statement so I can not access any information about my account. They have never given me access to my online account nor have they ever mailed me a statement after numerous request. I have to call a number to pay my payment and I am charged {$4.00} every month to pay that way. This has been going on for over a year now.

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 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently was checking my credit report and found this closed account showing it is a charge off. This is incorrect as the account was fully settled in XXXX of 2018 and account was closed. You can even see this in the payment history provided by the credit reporting services. The XXXXXXXX XXXX is reporting a closed charge off account, I have sent a letter to XXXXXXXX XXXX to correct or remove from my credit report. I have still heard no information from XXXXXXXX XXXX. I want this closed account remove from my credit report This report is fraud reporting in my eyes, Please help this has been a nightmare,.

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 2023-06-20 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my 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 2023-06-20 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness

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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-06-20 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: World Acceptance Corporation
State: SC

Complaint narrative:
I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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:
I AM A VICTIM OF IDENTITY THEFT, PLEASE SEE MY DOCUMENTS ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My tax return was accepted by the IRS in XXXX, and they direct deposited a {$760.00} return sometime in XXXX, but Chase Bank will not credit the amount to my checkinh account. I have tried to file a dispute as an error but they refuse to open the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NJ

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate 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 non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MS

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: U.S. BANCORP
State: FL

Complaint narrative:
A line of credit was successfully opened under my name without my knowledge or consent.

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 2023-06-20 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 — Problem with product or service terms changing
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
From XX/XX/2023 to current, Theft of XXXX from savings account was reported, bank refused to put thru to fraud dept, refused to investigate, refused to audit per multiple requests. Bank lowered credit by XXXX on existing credit card, refused to correct fraudulent charges despite multiple requests. Spoke with XXXX XXXX RI XXXX XXXX XXXX after denial of purchase. Received harassment call from XXXX XXXX which calls frim multiple numbers, i owe nothing to them. 
Id theft reported for yrs and mortgage realestate fraud reported for yrs with regards to several properties on federal and state level. XXXX XXXX sjould cease to contact me, Santander Bank told me a credit decrease occured without notification nor would provide a date of credit examination because there is non. Santander Bank branches XXXX and XXXX XXXX have been informed of fraudulent activities, did nothing related to the banks involvement with my deceased spouses Assets within that bank which were stolen.

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 2023-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a Citibank savings account on XX/XX/23 and deposited {$51000.00}. Per the email after you deposit {$50000.00} you will get a {$450.00} bonus if you maintain that balance for 60 days. I currently have {$71000.00} in this account that I opened on XX/XX/23. It's going on 5 months and citibank still has not paid the {$450.00} bonus. I've made 3 phone calls to citibank regarding this and they tell me I opened it in the wrong savings account. I opened the account through the email I was sent which offered this bonus and I still have the original email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-06-20 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: MS

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I was notified by a credit card company that keeps up with my credit score that there is a derogatory mark on my credit score. I looked and there is a {$230.00} charge and the company stated is Southwest Recovery Service. I have tried to call them several times and I am only getting a voicemail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Churchill Holdings, Inc.
State: KY

Complaint narrative:
We have been transferred from Churchill Mortgage to XXXX XXXX, to XXXX XXXX. Every time this happens, we spend extensive time resetting everything up.

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 2023-06-20 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: LA

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: LA

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies 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 2023-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
After notification of an account being opened at Bank of America ( in my name ), I called BofA and was told that the fraudulent account was closed ( based on my complaint ). I was then given information about contacting XXXX who ( through automated voice ) directed me to http : //consumerfinance.gov. I assume the fraudulent account was closed ; but now I would like to FREEZE my information available at XXXX ( I was told that verification at XXXX was the way that this fraudulent account was approved ). I have previously ( more than a year ago ) placed a FREEZE on my information at XXXX, XXXX, and 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