vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/2022 an authorized cash app account was made and rerouted through my cell number and debit card. An unauthorized purchase was made and the account then closed. I contacted Associated Bank about this and the dispute was denied. I have never used XXXX before, the IP address they provided and claimed that I used the application on is not the IP address of my home where I was on that day, and the person that it was supposedly sent to name and number do not match as they provided two separate telephone numbers. Associated Bank claims that XXXX has provided them with the above evidence, though none of it matches my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing three times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.

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 2022-04-27 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: FL

Complaint narrative:
I have address on my report that does not belong to me. I have never lived at the address stated on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo XXXX XX/XX/XXXX. Never have I lived in Missouri or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have unauthorized credit inquiries on my Credit Report. Transunion XXXXXXXX on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have unauthorized credit inquiries on my Credit Report. XXXX XXXX  on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have unauthorized credit inquiries on my Credit Report. XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX 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 explanation
Consumer complaint received 2022-04-27 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: CA

Complaint narrative:
XXXX XXXX ( CHARGE OFF ) ACCOUNT remove this account for inaccuracy. the date of last activity is inaccurate .every month you are reporting a charge off MEANS i MISSED A PAYMENT YOU HAVE FAILED TO REPORT THE STATUS DATE FOR EVERY MONTH.

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX states I have an account which is showing on my Transunion credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the account is still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.

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 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a home loan with NewRez LLC. Somehow, they transposed a digit on the county parcel number and paid taxes against the wrong property for over a year. They realized their mistake and attempted to correct it by paying the taxes that I owed ( because they had not paid mine for over a year ). They did not fully investigate what happened and simply attempted to raise my monthly mortgage payment by {$700.00} per month. I spent hours on the phone with their customer support and XXXX XXXX XXXX tax collector. After I figured out what happened and explained it to NewRez, they contacted the county for a refund ( in XXXX ). NewRez informed me that the county would send the refund check to me and Ill have to apply it toward the impound account. In the meantime, they told me to call each month and make my normal payment amount- and I have to reference the account notes. Ive done this two months : In XXXX their collections department called me stating my payment was past due. This was because they did not correctly post my payment after I made it electronically ( but they did pull funds from my checking account ). Today I received a letter from NewRez stating they did not receive my XXXX payment ( which was made on XX/XX/XXXX and pulled from my checking account ). I want NewRez to put my mortgage payment amount back to the original amount and figure this mess out themselves. Its their error and Ive spent way too much time dealing with the mess. In addition, I cant even refinance because the impound account is a mess. I feel they are harassing me due to their own incompetence. Im also concerned that my credit will be impacted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX.

Macy's/DSND XXXX XXXX XXXX XXXXXXXX Is a incorrect inquiry 's on my report that should not be there because I did not try to authorize this account and would like them removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I tried to dispute unauthorized Transactions from Wells Fargo and they still denied my claim saying they did not detect fraud and clearly there was fraud done on 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 explanation
Consumer complaint received 2022-04-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
XXXX XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing Five times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I would like this account to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and Equifax report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, XXXX, and Equifax violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and Equifax. I am also in the process of filing a complaint with the XXXX  Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: ProCollect, Inc.
State: TX

Complaint narrative:
To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove Procollect , INC from my credit report/file. Procollect continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, Procollect can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by Procollect INC, XXXX, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and XXXX. I am also in the process of filing a complaint with the XXXX Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at Procollect, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.

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 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is a re opened complaint. This complaint is revolving and unsolved by Synchrony bank. 

Attempts were made to report identity theft to Synchrony in XXXX when sent a credit card increase amount for a card not mine. Synchrony went through 6 months of investigation and continued to deny my report ( not sure why they would accuse the person reporting of " benefiting? '' from an account reported as fraud? ) Attempts were made to clear my name through an alternative route, since Synchrony refused to acknowledge the account as fraud in XXXX XXXX  XXXX. Account was closed and taken off all XXXX credit reporting agencies. 

Account sold to XXXX, in my name, by Synchrony without my knowledge or consent in XX/XX/XXXX. 

Account reported as fraud in XXXX, once learned it was still under my name. 

All pertinent information was sent, certified mail, to Synchrony, on XX/XX/XXXX. Synchrony does not need to write me as they have passed the deadline to produce the documents I have requested. 
All information included, Synchrony currently has : 1. filed police report 2. proof of closed accounts in XXXX on all XXXX credit bureaus. 
3. Letter of steps taken ( sent to Synchrony previously ) to resolve the matter 4. Proof of credit standing prior to identity theft and before Synchrony 's negligence in the matter of identity theft. 
5. Reported theft of my name, social and address to : CFPB, XXXX,, company, credit bureaus frozen/fraud alert , postal service. 

In that letter, I requested the following, for my records ( under section FCRA, section 609 ) : 1. Original signature page of application for the credit card account claimed as mine 2. Original transactions and billing statements on the account claimed as mine 3. Original documentation of sign off to XXXX XXXX and how account was acquired/sold to XXXX. 
4. All documents shall be sent by mail so that I may catch the imposter, since Synchrony is unable and unwilling to do so for me. 

Synchrony was given over 4 years to produce the documents mentioned above ( XXXX ). This is a repeat offense. Synchrony did not produce documents by mail as requested then, or 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 2022-04-27 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: NCB Management Services Inc.
State: PA

Complaint narrative:
Sending back verified without providing information on how the debit is mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX, and account # XXXX from XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-27 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX, and account # XXXX from XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was contacted by the local branch manager of Truist Bank offering to increase my home equity line of credit, so I applied for an increase more than 93 days ago! I returned the signed disclosure statements to the local branch manager on XX/XX/XXXX. I have emailed the local manager four times with no response. I have filed 7 written complaimts to their Customer Service. Only two of those complaints were responded to but the representative only promised to " get back with me '' which they never did. I tried calling their loan department but only get computer generated response asking for a loan number and ofcourse my existing loan number was not accepted. You have no option to speak to a representative. Phoning the local branch did not produce any answers as to why it is taking so long to process.

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I owe bills which is showing on my Transunion credit report as a collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the collection is still on my credit report after disputing Five times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this 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 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Attention XXXX XXXX and or XXXX XXXX, This is concerning CFPB Case Number XXXX that was filed concerning missing direct deposit tax refund checks. I have the reference numbers and tracking number of the missing electronically filed and deposited tax refunds. The first year is XXXX state XXXX and federal XXXX. Then XXXX XXXX, and XXXX federal XXXX and state XXXX. These are the tracking numbers for XXXX, XXXX and XXXX. The XXXX federal return I can't seem to locate and I received the XXXX return delivered in the USPS mail. I have talked with XXXX XXXX and have been contacted by XXXX XXXX XXXX concerning the missing funds. These funds were to be direct deposited into the Citizens Bank of XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX on XXXX XXXX in the XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your immediate attention to this issue and I have filed these transaction numbers with the Federal Trade Commissionor and the FDIC Bank Insurance. I am required to file taxes since my AGI is above {$25000.00} by federal law and I receive my correct amount at the end of the year. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation