vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My employer attempted to directly deposit my paycheck into my Checking account. They have successfully deposited into my account since I began my employment. The bank then declined the direct deposit from my employer. There were no alterations or changes to any information with my employer or my bank. The bank has at this time decided to reject my paycheck. After discussing with my employer, they have said that the bank is still holding the rejected paycheck funds and have not returned them. After a second discussion with the bank, they advised that there is no record of my employer sending the funds ( my employer provided me with the evidence that the funds were sent ), they advised there was no record of my call to discover why my direct deposit was never received and that they do not see anything that would indicate that they have the funds that have yet to be returned to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: ME

Complaint narrative:
I have attached an FTC report with inquires i did not apply for or authorize please delete they are affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax was unable to grant access to their online system to manage the credit report. After confirming identity, all attempts to regain access to the system resulted in errors. During this process, I discovered that the report had inaccurate contact information in all fields, including a phone number that has never been associated with me, and an address that was seven years out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MS

Complaint narrative:
I reached out to the credit bureaus on XXXX XXXX EQUIFAX, XXXX, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the XXXX XXXX paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: AZ

Complaint narrative:
XXXX  inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is a hard inquiry on my credit files. I did not authorize XXXX to do so. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This is a hard inquiry on my credit files. I did not authorize XXXXXXXX XXXX XXXXXXXX to do so. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX This is a hard inquiry on my credit files. I did not authorize XXXX XXXX  to do so. 


US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX This is a hard inquiry on my credit files. I did not authorize US SM BUS ADMIN ODA to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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:
The company has failed to Block reported information related to identity theft identified by myself the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
I received a letter stating that I owed XXXX from AFNI XXXX XXXX XXXX XXXX XXXX IL XXXX I disputed this and asked for verification of this debt. I received a letter stating they have verified this debt. However, they did not provide any back up of this alleged debt. 
Can you please request verification and if it can't be verified. Please have them remove this from all credit bureaus and please send a letter this has been done. 

PS. I have XXXX now for service. If I owed this debt they would not have given me service. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Received this in the mail i do not know what this debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Somebody was stolen my information and opened credit card in XXXX company at XX/XX/2022. Amount is 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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America credit card XXXX XXXX XXXX XXXX fraudulently charged me " late '' fee of {$2.00} even though I paid them {$230.00} as required under their statement. See attched statement.

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 2023-03-29 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:
Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXXXXXX XXXX XXXX XXXX Unsecured loan with account # XXXXXXXX XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX Flexible spending credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXXXXXX Credit Card with account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.

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 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stuart-Lippman and Associates, Inc
State: LA

Complaint narrative:
I was driving my boyfriend car but the car is registered to me. I was a secondary driver on insurance policy. I was in a motor vehicle accident XX/XX/XXXX. I was hit by a driver and had no fault. The person the vehicle belonged too was not the driver. I received a phone call from XXXX XXXX in XXXX of XXXX stating I will be sued and my drivers license suspended if I do not pay the estimated amount of {$6000.00} back to them that they paid for the other parties vehicle without hearing my side of the story I was out the loop. This accident is on my drivers record and it states no at fault. I notified my insurance adjuster about the claim. XX/XX/XXXX she reached out through email to see if spoke with my insurance company. I received a call from my insurance company stating that they can not make contact with XXXX XXXX and have I spoke with her and I told them not since the last contact. My adjuster stated they will close the claim since they had no correspondence. I was never contacted by the other party insurance company to hear my side of the store that the other vehicle hit my car. I fixed my vehicle on my own. I have not heard anything from XXXX XXXX until today XX/XX/XXXX I received a phone, but I missed and called back and XXXX XXXX did not answer. I do not believe I should pay them back for fixing the other driver vehicle for hitting the vehicle I was driving and I did not cause the wreck. This is an unlawful debt collection and I will like the matter dismissed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am extremely disappointed to receive the same response to my complaint regarding the restrictions placed on my accounts with your company. The lack of urgency and consideration for my situation is unacceptable. 

As I have previously stated, my account was restricted due to an old account number saved for payments that had not been updated, causing payments to be returned. I have attempted to provide documentation and proof of my current account, but Capital One required a statement within the last 60 days, which was not possible as my account had been closed, and I had opted for paperless billing. 

Despite my attempts to provide documentation and proof of my current account, including statements from my new bank and account, Capital One has insisted that the only way to unrestrict my account is to provide a statement from XXXX for XXXX XXXX for XX/XX/2022. As I have previously stated, this is not possible as I have switched banks from XXXX to XXXX, and I opted for paperless billing with XXXX. 

I want to reiterate the urgency of this matter, as my account has been subject to unauthorized fraudulent transactions that have reached their limit, and I am still making monthly payments for these transactions. Capital One has refused to address the fraudulent transactions until my account is unrestricted, yet they have not provided any assistance in unrestricting my account. Each time I have contacted Capital One, I have been referred to a special department that says they will review my account, but it has been almost six months, and there has been no resolution. 

I want to emphasize that I still do not have access to the XXXX statement for XX/XX/2022 XXXX XXXX, which is required to unrestrict my account. This situation is causing undue stress and affecting my mental health. Additionally, my credit score is being adversely affected, which is impacting my ability to obtain financial services and products. 

It is unacceptable that Capital One has not provided an alternative solution to address this issue. I demand that you take immediate action to resolve this matter and unrestrict my account. I also request that you provide compensation for any financial losses that I have incurred due to your company 's negligence and lack of assistance. 

I hope to receive a prompt response that addresses my concerns and provides a solution that takes into account the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Credit Karma, LLC
State: OR

Complaint narrative:
In XXXX of last year I noticed my credit score dropped XXXX points for literally no reason on my Credit Karma, they never got back to any of my emails as I was trying to get it figured out as they supposedly don't deal with fraud over the phone. I'm not sure what the issue is, why my score dropped for no reason and if someone got into my account without my permission. XXXX points is a huge drop and will take years to get back up, my score was excellent on there and it dropped to fair, that's not okay at all but I checked on XXXX and my scores were normal, what they should be. Credit Karma as not taken any fault for this happening to my account, they need to fix the problem/figure out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX, was never authorized

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 2023-03-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( 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 non-monetary relief
Consumer complaint received 2023-03-29 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: CA

Complaint narrative:
I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX

Company response to consumer: Closed with explanation