vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I asked synchrony bank to delete my information from their computer programs since my account has been closed for several years. they refused and said that they are not allowed to remove any account information for 10 years as per their policy they are keeping peoples sensitive information in a computer that anybody could hack for 10 years after theyve closed the account. I asked them to delete my information today when I spoke to XXXX and XXXX with their accounts management team and both of them told me no, their system wont let them delete accounts, only customers from California can have their information deleted I want my information deleted from the credit card company. When I ask for them to delete it it should have been deleted years ago when I paid off the balance. That should have been the end of it. there shouldve never been a problem with my husbands account with synchrony, we accidentally paid on my account because synchrony bank did not actually close my account they only made it so I dont have any credit available but all of my information is still in their system. I would like all of my information removed from their system so that nothing like this could happen again and so that nobody hacking there system can get my 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 2023-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My social media was hacked, and my XXXX  was hacked as well. My Bank of America account was connected to my XXXX  at the time and the my personal information was compromised. I then in return tried to go through the merchant ( XXXX XXXX ) to get my money back and after months of no progress, I went through my bank. 
I was told false information, repeatedly and Bank of America broke, rules and regulations by not following guidelines with their policies, which in return lead to unethical practices and they should be held accountable for lying on noted documents and to the customer ( 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This company is currently showing 30 days late for the month of XX/XX/2021 and XX/XX/2021 as reported in 3 Credit bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
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 2023-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This account was opened without my knowledge. I was in the military stationed in XXXX during the occurrence of the account being opened. I have no best buy credit card nor do i shop at best buy at all.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Action were taken as scheduled. I was in a car accident with vehicle and come to find out, I was in a fraudulent situation. I was over charged for vehicle and insurance only covered book value and they are stating that I still have a bill and I'm not understanding why or how. People I brought car from business was shut down due to alot of fraudulent miss handling financial services. They are asking ne to open up a payment plan, but I don't think its necessary for a business that no longer up and running, plus they went to jail. The accident was XX/XX/XXXX and we are still dealing with case. This company is called Santander Comsumer USA, I'm not sure what bill is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I had a joint account with Regional Acceptance Corporation that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the XXXX  XXXX. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last XXXX XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.

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 2023-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
To whom it may concern : The XXXX XXXX is a fraud and you know it. I have sent in an audit report to the IRS regarding the assurity bonds taken out on my Social Security number and you used my birth certificate every year I was in school ( XXXX XXXX ) as well as when I received my Drivers license this corporation put an ( XXXX XXXX ) assurity bond on that. My right as a free woman has been stolen from me as well as my family and children. I do not consent. Make it right! You are committing fraud and you know it. Also the XXXX mortgages that we took out on our homes needs to be repaid to us. This needs to be rectified immediately. 

By : XXXX XXXX XXXX Beneficiary Done in good faith

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 2023-07-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. AS A RESULT SOMEONE OPENED A XXXX XXXX  ACCOUNT IN MY NAME.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an inaccurate account on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: NY

Complaint narrative:
I was in a debt consolidation program I thought these were taking care of the calling my work, threatening letters the millions of calls is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I NEED XXXX XXXX MORTGAGE STATEMENT. MY PREVIOUS COMPLAINT WAS CLOSED BY XXXX XXXX WITHOUT FULFILLING MY REQUEST FOR XXXX XXXX MORTGAGE STATEMENT. I NEED THIS STATEMENT BY XX/XX/2023 TO PROVIDE TO A HOUSING COUNSELOR FOR MORTGAGE PAYMENT ASSISTANCE. PLEASE PROVIDE ME THE STATEMENT ASAP. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SD

Complaint narrative:
An answering service told me to call a number with a case number, they called my son 's cell # which is not under my name which is concerning to me. The lady would not listed, stated she was collecting for HSBC which I've never had and confirmed with the credit bureau. I swore at them and they swore back stating I would be served and in court within XXXX hours. I'm tired of being harassed, I know it was stemmed from a XXXX XXXX breach years ago. They know my social, DOB, phone #, address, things about my checking which is now closed. Phone for answering service was XXXX the supposed collection agency XXXX with a reference number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted Equifax as well as the 3 companies concerning hard inquiries once I received my credit report. I spoke with a representative and he stated that it was nothing to be done other than wait for it to fall off my report. I filed a FTC report and informed the representative of this information. I didnt give permission for these companies to access my information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
We entered into an Agreement with XXXX XXXX in XX/XX/XXXX for a new roof and solar system. The project was supposed to be 3-6 months and we are at 9 months now with no completion. They damaged our house on roof install and will not fix despite having a warranty. The solar panels are non operational as of XX/XX/XXXX which they have known since install at XX/XX/XXXX yet they were paid by Dividend finance for a completed project, and we are having to pay the electric bill and pay Dividend the financing of the system that does not work. They have stated they are short staffed and can't fix timely. We are unable to get any other person to speak with us besides who sold us the XXXX system. The finance company does not care if the system works, they stated it is not part of their process to ensure it functions prior to payment. We have attempted for months to resolve with XXXX  with no success. I am afraid if we don't pay the loan for a lemon system and a servicer who is in breach of their servicing agreement my kids and I will lose our house. I feel like we were completely taken advantage of and misled by their products and services. They stated to us that they are going through transitions and have staffing issues, but I feel we have no recourse, and no one cares that they are misleading consumers and not fulfilling their end of the contract. I am looking to trying to obtain legal help but this company is fraudulent and using misleading and outright lies about their products. Other consumers should avoid them at all costs. I have months of emails of us trying to resolve issues to no avail. Below is the cert and licensing numbers Cert # : XXXX Cert # : XXXX Cert # : XXXX HIC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have been having a dispute with Square the credit processing application. I have been using them for years to run my XXXX  business with. Most customers pay me by check some pay with credit cards or bank transfers. The dispute revolves around a bank transfer. They are requesting that I update my bank information with them and either provide them with three months of statements or access to the current balance and transaction history of my account. I am uncomfortable providing either of those. My bank has advised me to not give out that information. 
I have been trying for weeks now to get the balance of my money that they are holding, {$2700.00} after they have removed there percentage fee. It has been extremely difficult to speak with anyone in the company to get this resolved. One manager told me to refund the customer and have them pay with another method. I reluctantly agreed, trying to keep my customer out of my banking issues and maintain my professionalism. I have tried over ten times to refund the money the application will not allow me to do it. I called them back again to get that resolved and the only way I can issue a refund is to give them my bank information, which as previously stated I am unwilling to do. 
I have run out of options to get my money. This doesnt seem legal to me. I am turning to you for help or any advice to resolve this. 
Invoice was paid by customer on XX/XX/XXXX, was processed and released into my Square account on the XXXX. I have been trying to collect it since then. 


Please advise XXXX XXXX

Company response to consumer: Closed with explanation