vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I recently received a letter from XXXX stating that a credit card for their store was opened up in my name. I never applied for the card. I called the company and they said a block was put on the card. I asked them to cancel the card and the lady helped me out with how to proceed with the process. they were able to access a card by having my phone number and my social security, No charges were made on the card because theyre was a security hold put on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I have a Checking Account with Truist Bank A/C number XXXX. I originally opened this account with XXXX Bank which sold its retail operations to XXXX XXXX XXXX  which was acquired by Truist. 
I moved to XXXX in XXXX, but still maintain this checking account at the Bank. I transacted as recently as XX/XX/XXXX, but when I tried to transact this past week, I couldn't. 
I called the bank to understand why I wasn't able to transfer money from my account, I was told the account had gone dormant. 
I used XXXX service XXXX to transfer {$10000.00} to my nephew in XXXXXXXX XXXX for his term fee and living XXXX verified that I had enough money in my checking account but they are unable to get the funds because Truist has deemed my account dormant. 
They refuse to change the status to active unless I visit a branch, which I am unable to do because I am in XXXX. The only other option thay are giving me is to have someone in the XXXX to go to a branch and I add them as a joint account holder through phone while they are at the branch. This is not possible either. 
Now XXXX has refered my account to collections which is humiliating as I have never been delinquent or at default before. I am afraid that my credit history will be tarnished.

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 2023-01-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
Have had XXXX XXXX XXXXXXXX with. Fraudulent account spoke to them it was reported fraud thru the government, my XXXX to my non profit XXXX and my business XXXX XXXX. They have took out student loans, my XXXX, rent relief, possibly changed my social and have changed their names to mine. Also have XXXX in my name and whole phone hacked

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is XXXX XXXX not XXXX XXXX in which shows on 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 non-monetary relief
Consumer complaint received 2023-01-02 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: NY

Complaint narrative:
XXXX is XXXX XXXX not XXXX XXXX in which shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with Capital One and they do not have information pursuant to North Carolinas UC-C. They are robbing, badgering my credit with no explanation on an erroneous alleged chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO EXPERIAN HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT EXPERIAN. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status : CLOSED EXPERIAN HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO EXPERIAN IS OUTDATED AND DOSENT HAVE THE PROPER 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 2023-01-02 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:
Re : Removal of Account per XXXX XXXX XXXX Data Reporting Guidelines For Reporting Sold and Transferred Accounts To Whom It XXXX Concern, Effective XX/XX/2022 : All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing XXXX. 

Equifax is currently reporting the " Account Status '' as " Sold/Transfer '' as shown in the attachment ; therefore, effective XX/XX/2022 if the " Account Status '' field was changed to " XXXX '' which it is, the account should have been deleted after the update of the " Account Status field to " XXXX ''. 

Based upon XXXX XXXX Data Formatting and XXXX XXXX for XXXX XXXX Data Formatting effective XX/XX/2022 the following account is reporting inaccurate ; Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Shell point mortgage has sent me a new set of loan papers for a loan modification that was completed in XX/XX/2022. They have also sent me a notice that I am in default on my loan. I have made all payments on time. I have left messages and sent emails since XX/XX/2022 when I received a set of loan modification papers by XXXX. I just simply want to know what is going on and how can they fix this. We. Are in our XXXX and this has been very upsetting that they will not call or email us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: OH

Complaint narrative:
I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file XXXX XXXX accurate! You are also failing me by NOT HELPING ME get this XXXX XXXX  accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you XXXX last time to help me get my report XXXX XXXX accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: UT

Complaint narrative:
I REQUEST THAT LexisNexis, Suppress my public and personal data from their services online and delete and or remove court and criminal information due to ID THEFT. AND FRAUDULENT INFORMATION THAT THEY HAVE IN MY GOOD NAME. AND THEIR AFFILIATES, SUCH AS CLUE, CHOICE POINT AS WELL AS SAGE REPORTING AGENCIES. 
IT IS MY RIGHT TO CHOOSE TO OPT-OUT OF THE SAID ABOVE COMPANY SERVICE 'S. 
I HAVE SENT MY IDENTIFICATION TO LexisNexis on five occasions and they continue to request my ID 'S over again and again for my LexisNexis consumer reports. 
The court records and insurance claims are false, that the said above consumer reporting agencies carry in their data systems in my good name causing liability damages to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact wXXXX XXXX XXXX  and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with XXXX XXXX and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.

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 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a debt collection on my XXXX  credit scores for XXXX dollars and the debt is not mine from ic system inc

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 2023-01-02 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: NCB Management Services Inc.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, NCB Management, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am filing this complaint against Exeter Finance and XXXX they are fraudulently reporting an account that is hindering my credit profile. I have contacted these companies about this and there was also a third party company that reporting this account on my profile in error. The third party company eventually deleted this derogatory account on my profile after a complaint was made by me about them. The original debtor refuses to hear my case after multiple attempts by me telling them that I never agreed nor signed documents agreeing to a loan with them. I made a complaint with the FTC and now I am filing this and they still are not responding to me and they are not responding with what I need to get this off of my profile. This is Defamation of character and destroying my polished credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: IL

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX as the XXXX has stated. XXXX XXXX XXXX XXXX say I owe a debt that I have no knowledge of ever applying for any services with XXXX I have not received any documentation barring my signature and these are the dates that the account started til its charge off date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and charge off date XX/XX/XXXX, therefore any debt with this company i do not own and/or fraudulent account therefore I would like this to be removed from my credit report and cease any contacts with XXXX XXXX XXXX. 

I sent my letter to the credit bureau on ( XX/XX/XXXX ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. Also have attached the letter I sent out and here is the tracking number ( XXXX ). 

According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, XXXX characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who XXXX have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the 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 non-monetary relief
Consumer complaint received 2023-01-02 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: Financial Data Systems
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are XXXX, badgering my credit with no explanation on an erroneous, alleged collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend XXXX XXXX XXXXXXXX XXXX they have sent me atleast XXXX cards, i have sent my information many times and they continue to ask for my information every time i call customer service. they asked for my Adress, social ID, state ID, IRS paperwork, its been almost XXXX XXXX and i have gotten no actual response. and its become a problem because ever since i opend that account many banks have sent me emails but none give me service.

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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report with equifax is inaccurately being reported. My credit report dropped XXXX points due to loans not being reported such as my mortgage, and installment loans such as my car and all credit cards are missing. When I called Equifax they stated my all my accounts were being reported, but I explained to them that my accounts were not being reported from what I could see. I mentioned to the representative this has happened before. I had to ask to have this escalated to next level because of inaccurate reporting and the effects it can have to my daily life. I asked to speak to someone else. I was told someone call me and that they would send me my credit report in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I received an unauthorized inquiry from CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX XXXX, CA XXXX I did not apply for credit from this lender. When I called the phone number on their website, they identified themselves as a debt collector and asked for my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 attached an FTC report with an account and inquiries I did not authorize, please delete them

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 2023-01-02 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: FL

Complaint narrative:
Company continues to report information that does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts.

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 2023-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
This all started XXXX or XXXX  years ago when I went to the XXXX XXXX XXXX XXXX XXXX XXXX I settled with the XXXX  through my insurance and credit card payment. For some reason the XXXX  gave this to a collection company and they have been trying to collect {$52.00} over this time. I have written numerous emails and complaints stating this is a false collection claim. The collection company continues to post this claim to credit agencies which show on my report. This company has many names and affiliates to keep reposting after the credit reporting agencies find my claims to be true. The debt company is listed below. 

Account Balance {$52.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN, XXXX Creditor Name PHOENIX FINANCIAL SERVIC Industry Type Other Collection Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stephen L. Bruce, P.C.
State: OK

Complaint narrative:
My Mother-in-law passed in XXXX. She left my wife her childhood home. The company renewed the lien for a XXXX XXXX  balance of a XXXX XXXX XXXX XXXX XXXX XXXX. We contacted the debtor and they refused to talk or work with us as they knew the house was being sold. They told my wife that they do not negotiate on real estate properties period. We were charged over XXXX XXXX for the deceased partys debt that had nothing to do with us.

Company response to consumer: Closed with explanation