vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX XXXX my credit card was fraudently charged by XXXX XXXX and XXXX  in the ammount of {$3500.00}. Bamk of America recognised {$1100.00} of the fraudelant charges and credited my account. They did not recognise {$2400.00} of the remaining fraud charges as follows : XX/XX/2023 XXXX {$1000.00} XX/XX/2023 XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX {$980.00} XX/XX/2023 XXXX {$1000.00} XX/XX/2023 XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX {$980.00} Charges were identical on the same day and same time to people and countries i never made or authorised

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
Lexis Nexis has continued to report inaccurate unverified information on my XXXX, XXXX, and XXXX credit file. The information that youre reporting regarding this bankruptcy, such as personal information, dates, and status are completely inaccurate. I have disputed this matter multiple times, but Lexis Nexis has continued to improperly investigate and validate the information with the original reporting agency. I contacted the court that is attached to the account, in which I was told that they do not verify bankruptcy information to any credit bureaus. So how is this being verified? This an inaccurate account has caused me to constantly be denied financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a Capital One credit card that required {$600.00} cash deposit at opening. 

XX/XX/2024 I had a balance due and I made a payment of {$610.00} but there was a mistake on my part, I gave them a bank account number that had been closed, to charge from. 
XX/XX/2024 The charge was denied obviously, then I realized I gave the wrong account number. 
XX/XX/2024 I paid again {$780.00}, this time on the right bank account, so it went through. 

Apparently because the mistake I made, they closed my account. That's fine by me. 
Now they owe me the deposit minus some balance due which comes to {$540.00} ( credit balance ). 

It has been 47 days and I haven't received my money back. The automated phone service said it'll take XXXX days to get the check in the mail. 

My complaint is, that is my money they're holding for no reason, I paid my balance due. I'm sure it does not take more than a week at most to process a closing account. It's all in the computer. 

I was never late on payments and on a single mistake they closed my account with no warning. But they can be as late as they want to refund my deposit?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
I contacted cash app support to find out why I had accounts using my information to get direct deposit from VA benefits and unemployment benefits and they verified this was taken place when I didn't have the information about the account they refuse to put a stop to it and I believe it's still going on I didn't have the information because the fraudster opened up the accounts to take the benefits using my information and changed the address and other information. XXXX  has the same thing going on and when I tried to transfer over {>= $1,000,000} to my account it went through then they pulled the fund 's back and the account was closed XXXXXXXX XXXX had an IRA ACCOUNT THAT I DIDN'T KNOW ABOUT and by the time I found it they closed the account out also the same people have been stealing from different banks for over a year now and I'm one step behind them but I could have caught them months ago if cash app and XXXX  would have just took the time to verify my identity and did there homework I'm sitting here and can't even keep my phone bill paid wile the thieves are sucking me dry, they have put in false papers to keep everything confused like a false marriage document and from what I gathered false Court documents of different kinds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am writing to express my deep concern regarding the recent closure of my credit card account with Venmo which occurred without my permission. I was shocked to discover that my account had been closed and subsequently reported to the credit bureaus, adversely impacting my credit score.

The sudden closure of my account without any prior notification or consent is both unwarranted and unjustifiable. I respectfully request that you reverse this action and reinstate my credit card account immediately. 

I believe that the unauthorized closure of my account violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Under the FCRA, creditors are required to provide accurate and up-to-date information to credit reporting agencies. Closing my account without valid cause and reporting it to the credit bureaus negatively impacts my creditworthiness and is a clear violation of this requirement. 

Furthermore, the TILA mandates that creditors must provide consumers with notice before taking adverse actions, such as closing an account. By failing to notify me beforehand and closing my account without my consent, your company has disregarded this legal obligation. 

I am requesting that Venmo take 's immediate action to rectify this situation by reversing the closure of my account and ensuring that it is accurately reflected in my credit report. Additionally, I expect to receive written confirmation of the account reinstatement and the removal of any derogatory remarks from my credit file.

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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom mortgage sent a check to me to pay my property taxes out of my escrow account in XX/XX/XXXX in the amount of {$4800.00} which I then used along with a personal check to pay my property taxes in full. Freedom mortgage states they also made a payment in XXXX of XXXX in the amount of {$4900.00} directly to the county of XXXX to pay that same property tax due. In XX/XX/XXXX then notified me that my esrow account now had a negative amount due to their erroneous extra property tax payment so they would be increasing my monthly payment by {$420.00} a month to account for that difference. I initially messaged the company for response on XX/XX/XXXX, however, their response resulted in incoherent logic and did not explain the issue. I then contacted them by phone on XX/XX/XXXX to point out the error I discovered above. The escrow department could not help me so transferred me to the tax department who said they would request a refund which could take up to 6 months. They could do nothing about my payment increase so they transferred me back to the escrow department that said my only recourse was to pay the additional amount or I would be considered deliquent in my payments. To pay this additional amount would result in a financial loss to me above the required extra payment and if I don't pay the extra amount it will result in harm to my credit score which again would result in financial loss to me.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries, and I have no association with the listed creditors. Please remove them from my credit report immediately, as I strongly suspect they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
We are a small woman owned business with XXXX employees. None of them other than myself has access to the banking account as they are not sufficiently senior. For 10 years we have been wiring in our payroll to XXXX to pay the employees, for social security and medical withdrawal. City National changed to a two-factor system that requires XXXX different people to authorize payroll wires to XXXX  from the bank account. We have had multiple phone calls and emails to discuss that this is not possible for our small business and have only received the run around from City National. I tried to wire in payroll for my employees but was denied access to my own account because of their inflexible system and inability to address the needs of a small business. Now my employees will not get paid!!!! 
XXXX  the payroll service will charge us a fine and still we get no help from City National. I am also writing the FED and our Senators but they never help small business. Maybe you can. Once again small business killed by big banks and inflexable regulation created by the government. XXXX XXXX and other money center banks do not take small accounts such as ours and other small banks are going under in XXXX. We do not know where to bank. Maybe you can help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: GA

Complaint narrative:
I took that loan of XXXX from ascend on XX/XX/2024 and the APR did not seem that high. I have my first payment due XX/XX/XXXX of {$210.00}. I was about to make an early payment towards the XXXX but when I looked at the balance it had went from XXXX which it was a couple of days ago was XXXX is now XXXX so Im guessing that it is 700 % per week or every two weeks something like that I just went to the loan documents. Im sending the information now I would really like to see if they can freeze the interest on this long and basically renegotiate the terms of the loan because I feel like that is ridiculous that XXXX went to XXXX before my first payment was made. Thank you.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
On this date I received a check for my excess escrow in the form of a check addressed to my ex-husband and me. This is NOT acceptable. I will not be cashing it. If they think I am going to go find my ex and beg for him to sign it and give it back to me, they have another thing coming. Both FHA and servicing providers need to do a better job of protecting the emancipated and sentient value of single women. I will not be paying them to enhance their hedge fund while my hedge is being cut to shreds. PennyMac can't even get an address correct... they still have me living in an apartment when it is a condo which is a UNIT. I have told them this over and over. They have even sent me tax information for my ex-husband using his SS number as a reference. Easement and right to entry to my property by XXXX was ended in XXXX and officially by divorce final in XXXX all documented respectively. I can prove everything I say... including his first new address at the XXXX XXXX down XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I noticed XXXX unauthorized transactions from XXXX XXXX. I went to Citizens bank, who has my checking account, and did a line by line audit with their fraud expert. I use XXXX and filtered out my transactions from the unauthorized ones. The bank has a copy of my XXXX transactions. They froze my account and card, and issued me a new debit card and checking account. Overall there were XXXX transactions totaling over {$13000.00}. 

My claim was denied and the bank would cancel my card numerous times without warning, denying my access from my funds. Id have to wait days to get issued a new card. This occurre 5 times in 1 month. Eventually they refused to give me a debit card at all. The only way I could access my money was with cash withdrawals using my ID. Im a US veteran and that was the money I had saved from XXXX. And my own bank was holding it XXXX and refusing to help me. In addition I have a XXXX  son at home. If he needed something, Id have to wait till the bank would open to get money and purchase items for him. Eventually they closed all my accounts ( without authorization from me and without resolving my many disputes ) and sent me a check with my remaining balances. I still dont have any explanation as to why they denied my claims even though I provided them clear documentation that those trans were not me and I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM GM FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-03-21 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: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief