vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2021-08-23 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: PA

Complaint narrative:
On XX/XX/21 XXXX XXXX. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 non-monetary relief
Consumer complaint received 2021-08-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/20 syncb/ Lowes Brc.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 non-monetary relief
Consumer complaint received 2021-08-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I talked with several Barclay representatives. The last one, XXXX, explained to me they made a sole discretion to recharge me for a portion of disputes from many months back. This card has been a headache with these disputes. It shows a huge credit amount but they billed me again for almost 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 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have been submitting disputes for this charge to be removed but the fraud is still reflecting on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/20 XXXX Genesis.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Amazon Prime Store Card with Synchrony Bank was unexpectedly closed and all of my rewards points were taken from me, without warning, despite years of being a customer and never once so much as being late on a single payment. When I called, I was told that I had too many " dishonored payments on the account '' and the rep explained that when more than one payment gets returned within a 24 hour payment then the account is automatically closed. When asked, the rep couldn't even tell me which payments were " dishonored. '' She could find one, but couldn't even find a second and couldn't explain why the account would be closed. She also couldn't fix it or reinstate my points. Spending the time to go back through my statements on my own, I see that two payments were apparently returned, 11 months apart. I can't recall if this is even accurate, but the payments were fixed and made timely. This reeks of a predatory practice to eliminate customers ' rewards points for customers who aren't paying interest or otherwise creating a profit because their card is being timely paid every month.

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 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: GA

Complaint narrative:
Hello. My name is XXXX XXXX and this is my first attempt through CFPB to correct inaccurate reporting to the three major credit bureaus ( XXXX XXXX an XXXX ) citing USCB as the collector on behalf of XXXX XXXX after contacting a USCB representative regarding a collection account in the amount of {$100.00} populated on my XXXX credit report. This account appeared on my credit report XXXX XXXX This is very unusual as I have been insured with XXXX since XXXX and have never even had an outstanding balance or been made aware of any outstanding charges or missed payments verbally, by phone/text message, email or in writing by a mailed letter. I have no record of any outstanding balances and believe my personal information to have been compromised. My report shows Account # XXXX with the balance of {$100.00} After speaking with the representative assigned to me, she was able to provide the following account numbers and amounts as well : Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX with balances as small as {$7.00} up to the {$100.00} cited on Acct # XXXX. I do not know how this happened but this debt does not belong to me and should also be removed from all three bureaus. I look forward to hearing back soon with any further instructions to correct this issue. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Tonight I received a phone call at XXXX from a person who identified themselves as a Bank of America representative from the phone number ( XXXX ) XXXX ( which when called back reroutes to Bank of America ) immediately after receiving a text message about a fraud charge on my account. See text messages attached below. 

I immediately received a phone call from the Bank of America impersonator, who told me about fraudulentcharges on my account, including a wire transfer. The person then said I had to send a XXXX payment to reverse the wire transfer from my account. He said the wire transfer was made to XXXX XXXX in XXXX, NC. He said they made a charge to XXXX while we were on thephone. This person had me confirm the XXXX transfer through textmessages, and set up a receiving account in my name with my phone number. I read them the ID code. 

See text messages attached below. 

I did not understand the process, I asked him to tell me how it worked multiple times and asked him to reverse the {$120.00} transaction before I sent the bigger one. I asked to speak to a supervisor. I asked him to explain how the reversal would happen exactly. I now realize he did not really have any answers to these questions. 

I have been on hold for over two hours and all of their call centers are down now, I haven't been able to reach a person despite their website sayingfraud support is available 24/7. I lost {$3500.00}. Please, please help me. I am terrified and need that money.I finally got another person on the phone after calling another number and XXXX support will not connect.

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 2021-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated XXXX XXXX Date Opened : DATE XX/XX/2002 I don't have contractual relationship with this company. I don't recognize this Account. Please provide me the name and address of the original creditor. 
Account NumberXXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Tennessee, Contracts, oral or written, and Promissory Notes have a statute of limitations of 6 year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My credit was ran without my consent or knowledge on XX/XX/ by Santander consumer USA, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
TO : AMERICAN EXPRESS XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XX/XX/XXXX To Whom It May Concern, I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately. 
You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. Your results from your first + second investigation, stated in writing that you " verified '' that these items are being reported correctly. Who verified these accounts?? 
I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reported correctly on my report, it is my right. 

Account Name : AMERICAN EXPRESS. Account NumberXXXX OPENED DATE XX/XX/XXXX Errors Found : This is not mine and SS # not match, Account opened before the SS issued I never had this card. -- Card opening date is XX/XX/XXXX, Individual Account, that is FCRA violations Because, you reported wrong and incorrect information in my profile, My social security card issues ON XXXX XXXX after that my credit profile is Established, all of tradeline are reported wrongly. Please remove it Now. 
I have now pointed out the inconsistencies again, with more detail and this is my 4th written request to delete these accounts. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after you have completed your deletions and corrections. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming 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 2021-08-23 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: PA

Complaint narrative:
On XX/XX/20 XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming 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 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit was ran without my consent or knowledge on XXXX by XXXX XXXX XXXX, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on 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 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MD

Complaint narrative:
Equifax refuses to update/remove an outstanding debt of {$65.00} to XXXX XXXX. A copy of the money order was provided and XXXX XXXX  contacted them to confirm the debt was satisfied however they refuse to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
On XX/XX/20 the XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming 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 2021-08-23 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
OnXX/XX/20 American exp has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was in the website of Amazon searching for a XXXX XXXX I need it for my vehicle I was told I would find it and half price which I did but at the top of the page it was saying that the plant would come out free to me and no cost if I applied for the store card of Amazon to check if I would get pre-approved that it would not hurt my credit and so I did that's exactly what I did and next thing I know they pulled a hard inquiry on me, and I feel like I was tricked because if they said it would not affect my credit to check if I would be pre-approved next I know that's not what they said otherwise I would have not done it I'm pretty much sure they have done it to other people as well the same way they did to me but people in x don't have the time nor the mine too dig into it and submit a dispute like I'm doing right now and I feel upset and I'm pretty much sure the same way they did it to me they have done it to other people people just don't say nothing and keep it moving but not me I'm going to bring it to your attention.

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 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against 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 2021-08-23 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: TN

Complaint narrative:
Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/20 syncb/PayPal has placed an inquiry On my credit report that I did not authorize nor initiate They are harming 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 non-monetary relief
Consumer complaint received 2021-08-23 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: NJ

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I authorized them to pull my credit or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I authorized them to pull my credit or else remove the account from reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation