vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX credit card with Comenity bank, I paid my balance in full by the due date, my online portal was showing a XXXX balance. 
The contact states that if balance not paid in full by due date they will charge interest. 

I paid it all in full on the due date, XXXX days after they charged me interest fee and late fee on the interest fee and another interest fee then another late fee. 

I called the company and they said no one can waive it even if balance was paid in full. 

Its breaching the contract

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Completely ignored the fact that I was double charged on the same transaction and then they stole the refund from the merchant as if that was a fix for the double charge when it was actually a refund for the returned merchandise!!! They have nobody clearly working in the company who can do the math or see that I was double charged and the refund has nothing to do with them fixing double charge, but it is for the returned item!!! For the whole year they are not even able to read or do the correct math except trying to steal the money from me!!! Double charged for the same transaction, let them know XXXX times, disputed and all, but they continue to ignore it and stole my refund which the merchant provided for the returned item!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed.

According to 15 USC 1681 ; I have the right to privacy and I did not give Experian written permission to furnish inaccurate accounts.

Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX  ... 
Account Name & Number : XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX # XXXX... 
Account Name & Number : XXXX XXXX # XXXX Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX Account Name & Number : XXXX XXXX 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to make a deposit at a Bank of America ATM machine located at the XXXX XXXX XXXX XXXX Branch.

I deposited a computer ( vendor check ) for {$900.00}, a small personal size check for {$400.00} and {$100.00} cash. 
I have a business checking account, however I am a sole proprietor. 
The small personal size check was from my own personal checking account that is established with a credit union. 
The machine did not read the small personal size check for {$400.00}, it did read the computer check for {$900.00} and the {$100.00} cash. I called on XX/XX/XXXX, XXXX. A representative said the bank would issue the {$400.00}, they did. 
In the mail I did get a letter from Bank of America with a claim number. In the meantime the credit union notified me that {$900.00} was taken from my personal checking account. 
I have copies of the deposited checks - the checks were meshed together. My personal check is in the front and what is seen from the company check ( in the back of personal check ) to the right is amount {$900.00} and top logo and name of company. The bank took {$500.00} more. 

I have called many times. I spoke with XXXX managers, several bank representatives - it been a few weeks with no contact, mail, to let me know what the hold up is. 
I just called again on XX/XX/XXXX, the Rep said he would escalate and gave me another case number. I'm leery of anyone at the bank, ( BofA ) I find no one wants to help, I can not get through to someone for help.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have 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

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 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
I was consulted to apply for a home energy loan through Ygrene and later discovered there are no early pay off options, extremely high interest rate, lein on my home, inability to refinance or sell property until loan is paid off in full. They require me to pay all interest first over the entire course of the loan and I was unable to sell my house when market was high and was unable to refinance when interest rates were low. The solar company that urged me into accepting this program insisted that the entire monthly dues would also act as a complete write off on taxes and that it was better to accept the longest term offered. The full amount is not available to write off and Ive reached out after several other issues with this solar company ( XXXX XXXX ) about this issue and no response. Ive reached out to Ygrene and they gave me a pay off amount of the entire initial loan amount after 6 years! ..out of 15. There is a lawsuit ongoing against Ygrene by FTC and I have signed the paper and mailed back but I havent heard back from them or know what is going on but I need the lien lifted and to be made whole again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: CA

Complaint narrative:
Despite having submitted disputes for the accounts listed below to Experian, XXXX, and XXXX, I have not received any response from these credit bureaus concerning these accounts. This lack of response is a clear and willful violation of the laws governing financial credit reporting acts. 

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 To bring to your attention a matter of utmost importance regarding the negligence displayed by credit bureaus in removing unauthorized derogatory accounts from my credit reports. 

The absence of a response has hindered my ability to contest the accuracy of the information and investigate potential cases of identity theft. As a result, I have been prevented from mitigating the harm caused, which in turn has affected my capacity to engage in contractual agreements and conduct business.

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 2023-05-18 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: OR

Complaint narrative:
On XX/XX/, I had my phone and the contents of my wallet stolen. The people who stole my phone opened up an XXXX XXXX, serviced by XXXX XXXX, in my name as they also had access to my social security number from an old tax return they found in my email. I informed XXXX XXXX of this upon becoming aware, which was during the week of XX/XX/2022. XXXX XXXX claimed to close the account when I provided them this notice. 

However, XXXX XXXX is claiming I owe them XXXX dollars, which is now showing up as a delinquent account on my credit report. It has caused significant damage to my credit, yet they've done nothing to rectify the situation.

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 2023-05-18 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: RFNA, LP
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 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: NC

Complaint narrative:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-05-18 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: AR

Complaint narrative:
I have tried twice to remove inaccurate addresses and names from my XXXX report, but for some reason, this hasn't been handled. Please look into this issue for me, I am in fear of identity theft on all three bureaus. I have attached my current driver 's license, all information on the license is accurate.

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 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The company, Goldman Sachs acting through Apple Savings, allowed me to add two external bank accounts for withdrawing funds. They stated that it would take 1-3 business days to process external transfers. I requested transfers on Monday, XXXX. When no cash had shown up by Wednesday, XX/XX/XXXX, I called customer service and was informed that it was actually 1-5 business days ( not advertised conspicuously anywhere in their customer facing interact ). When no cash had arrived by Friday, XX/XX/XXXX, I called in and was told that the transfers had actually cleared and that I would see the funds on the next business day. When no cash arrived on Monday, XX/XX/XXXX, I called in and was informed that the transfers had been processed and I should see them the next business day. When no cash arrived on Tuesday, XX/XX/XXXX, I called in and was informed that ( i ) regarding the first account that I attempted transferred money to, the account had yet to be verified and ( ii ) with respect to the second account I had attempted to transfer money to the transfer had been flagged as suspicious and was under review until XX/XX/XXXX, when it was cleared and would be available in 1-3 business days. It is Thursday XX/XX/XXXX, 9 business days after the transfer request, and I still have not received my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Cant get my report froze my account without consent Csnt get a rep cant reset password gone on for days rep was rude didnt lusten

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 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I received an alert from my IdentityForce protection on XX/XX/2023 notifying me that a debt collection agency, AR Resources , Inc. had put information on all of my credit reports regarding a {$1900.00} collection which I was NEVER contacted about by phone, email, letter, etc.! The only thing I can think of that this may be associated with is a hospitalization I had last XXXX which was so botched and traumatized me so much that I consulted with an attorney who advised me to file a complaint with them and wait for their response before going further with him and filing a lawsuit. I did that and received a letter back stating that they were looking into all of my complaints ( as there were many ) and would respond within 30 days. 

Well, they NEVER responded, but they never sent my any bills from the hospitalization, so I thought this nightmare was over until this AR Resources put a collection on my all of my credit reports without my knowledge! 

How is this possible? A company can just add something to your credit report without notifying you and without your knowledge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With Caine & Wiener And Have Never Signed A Contract, Nor Have I Ever Entered Into Any Agreement With Them. Caine & Weiner Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Account Be Removed. Caine & Weiner Is Alleging A Balance Owed To Their Company In The Amount Of {$400.00} And The Alleged Account # With Caine & Weiner Is XXXX. I've Attached A Copy Of The Debt Verification Letter That I Sent Out To Them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Security Credit Services, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
its like a {$2000.00} charge on Synchrony Bank which ive never opened any account with and have disputed with them several times they just dont care and never continue with the dispute

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 2023-05-18 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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