vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Went to XXXX XXXX XXXX  they offered me financing to fix my AC. I then got my vehicle back and nothing was fixed. I continue to go back for them to fix the issue and they would say it would be fixed and it would not be fixed. I contacted corporate they sent me to multiple stores to fix the issue it was still not fixed. I did went to synchrony Bank and filed a dispute and they ruled in their favor even though it was fraud. I also was harassed on XXXX by the business owner XXXX because I filed a dispute. This whole situation has been a nightmare and they refused to fix any issue and actually asked me for more money.

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 2022-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
account resoution contacted me on XX/XX/2022 for a medical XXXX that i had supposbly had after asking them the verify the info and asking them to send me paperwork for the origanal collector ( XXXX XXXX ) that i had signed personal info saying that i had owned it were not able to give me info and have voilated my hippa rights and they refused to close the accout and take the amout of XXXX off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Experian refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Experian did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to XXXX XXXX XXXX, There are several accounts opened via Identity Theft that Experian refuses to remove : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. Please remove these accounts.

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 2022-11-16 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: CA

Complaint narrative:
I've sent my dispute letter XX/XX/2022 stating that my Fair credit reporting act rights had been violated ( 15 US 1681, 1681b ) and that 1681n -the civil liability law states that my damages {$1000.00} per violation. 
I spoke to several representative ex- XXXX XXXX ( supervisor ) Even though I was calling regarding the file # they issued # XXXX they did not acknowledge my rights were violated over 60 days has past.

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 2022-11-16 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: TN

Complaint narrative:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2022-11-16 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: NV

Complaint narrative:
On date XX/XX/2022 I sent a dispute letter to Experian regarding these following accounts accounts. XXXX XXXX  XXXX XXXX and XXXX XXXXXXXX. They responded on my request XX/XX/2022. And they are in Violation of Section 623 notice of dispute. Pulled my credit report today XX/XX/2022 and the notice of dispute was not there. By law they are required to put notice of dispute within 30 days when they received the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: DISCOVER BANK
State: FL

Complaint narrative:
Unauthorized Hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: NY

Complaint narrative:
Someone was able to get a loan funded with XXXX XXXX XXXX XXXX XXXX XXXX ) using my credentials. The loan in the amount of {$12000.00} was funded I believe XX/XX/22. A hard inquiry on my credit report was done in XX/XX/22.

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 2022-11-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-11-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank is stating that I did a fraud, I deposited {$500.00} at a capitol one ATM in the XXXX XXXX  and now the bank is saying that wasnt true and now I have a negative balance on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have been having difficulty with receiving my card in the mail. I am unsure if it is being stolen in transit, or if there is internal Fraud at Barclay 's, and would appreciate an investigation. 

While attempting to replace my card recently ( after multiple lost cards in the mail ), my card was stolen and used for most of its maximum limit ( {$2000.00} ). While reporting this to Barclay 's I learned about all of the other attempts ( on top of the successful charges to my account ). Barclay 's has since attempted to charge XXXX of the transactions again to my account. XXXX from XXXX and another from XXXX. I have never done business with either. Their explanation is that the perpetrator utilized my mailing address. As the card was presumably stolen from the mail, it is not surprising the perpetrator would have this information. 

I would like to find out if there is a better way to receive my credit cards and statements, as this is not the first this has happened.

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 2022-11-16 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: NV

Complaint narrative:
I found account on my Equifax credit report that was opened around 6 months ago. That do not belong to me. Account belong to XXXX XXXX. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted Equifax to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TN

Complaint narrative:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TN

Complaint narrative:
I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
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 XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
First the charge has been disputed several times on credit karma in the last XXXX months so I became serious about fixing my credit so I called XXXX who the alleged original debt was with the information they had on file did not match my personal information and I asked for them to remove it. Nothing was done the last time speaking with them was XXXX XXXX, 2022. Now they have sold my information to a collections agency for about a year now and my ignorance to the law prior have just ignored them so I started to notice they were the XXXX reporting to the credit bureaus and Ive contacted them via mail XXXX XXXX2022 no response. Ive since then sent in the violations of my rights requesting compensation before I sue or move forward in reporting to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wednesday XX/XX/2022 XXXX  XXXX XXXX - XXXX XXXX XXXX  I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. 

Wednesday XX/XX/2022 XXXX  XXXX XXXX  - XXXX XXXX XXXX Submitted claim to Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wednesday XX/XX/2022 : Claim Denied by Wells Fargo.

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 2022-11-16 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: UT

Complaint narrative:
My wife and I closed a Reverse Mortgage on XX/XX/2022 with Plaza Home Mortgage. PRIOR to close we were required to fix certain items identified by the appraiser and pay to have the appraiser come back out to the property and verify that all required repairs were completed. One item they required was for my Rear Stairs and Railing to be re-stained on the exterior of the home. I completed the staining, paid for the appraiser to come back out and verify the staining was completed and take pictures which the appraiser sent to Plaza Home Mortgage , Inc. and then once verified I was allowed to close on my loan. 

Now after closing I keep getting threatening mail and calls demanding I re-stain the rear steps and deck. when I explain we have already done this PRIOR to closing and that they have proof of this already they just revert back to the threats. My loan officer sent them a copy of the appraisal showing these items were already completed but I keep getting threats and they refuse to release the funds they are holding to have this completed in the amount of XXXX. Please see uploaded re-inspection # 2 which clearly states stairs re stained and provides pictures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom this concerns There is an Account opened in XXXX that is being reported in accurately to my credit report. 
My info is : XXXX XXXX XXXX This account was opened as a result of identity theft and its not mine and is reporting a balance of {$5900.00} It was then sent to collections in early XXXX as I had no knowledge of the account and was getting phone calls from the collection company. I told them it was fraud & sent them information regarding this a fraud repot via email, and they determined that it was identity theft and therefore they stop pursuing the debt and told me it was being sent back to TD Bank for official closure. 

Since then I assumed it was resolved but it is still been reported to my credit report I called TD Bank and they said they do not have any information regarding the account on XX/XX/XXXX. I spoke with a representative in the fraud department who opened a global security claim to further research. 

I have not heard back from the global security team within TD Bank. 

I have added a picture of the account that has been reported to my XXXX and XXXX XXXX profiles as well as the letters Ive sent to The Credit bureau which was them forwarded to TD Bank regarding this. 
I do not recall any response through mail which is a huge issue at a violation of the fair credit reporting act since they did not reply with any validation of the account. 

Again I thought this issue was resolved since the debt collection company told me in early XXXX that it was determined it was identity theft and being revoked by TD Bank from the collection agency. All of this should be able to be traced within TD banks communications with their debt collection company. I do not understand why the account is still being reported to my credit report even after this has been figured out please delete it as soon as possible from all credit bureaus As they claim theres no record of the account they have withdrawn it from the collections agencys and have failed to verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : 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