vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Pen Federal Credit Union trustees retaliated against me for reporting their discriminatory actions to CFPB. Notice to agent is notice to principal, notice to principal is notice to agent. 


She reached out to tell me that she has restricted my account access. I have not been able to access my funds or any account functions. This goes against my consumer protections and rights. I also have a right to know the exact reason why my account is re I have a right to privacy and beforehand you all were supposed to disclose to me the use of my securities. 

You did not allow me to exercise my right to opt out of having my consumer reports pulled to open an account and why was I denied an account. They did not provide a clear answer to this. It is clear that this is discrimination, Banks get their funds from consumers via our securities. So, Why would you use a credit reporting agencies who doesn't know anything about me to discriminate against my rights, titles and interest. The law must provide remedy. I am the holder of the security here not XXXX, XXXX or any other consumer reporting agencies. Why are you putting a third party in our private matters? If your policy is to discriminate make that very clear in words because this is clear right now. Why is your bank violating consumers right to privacy when we are creating the relationship with your bank? This is not right and I am very upset. 
See 15 U.S. Code 6801 - Protection of nonpublic personal information My security secured this account not any credit reporting agencies that house information from third parties. I have a right to credit in which you are treating it as if it's a privilege that came from you when I am the holder and investor and source where it derived from. You denied my person XXXX XXXX XXXX a checking account knowingly that I am the holder of this security. 15 U.S. Code 1691c2, Equal Credit Opportunity Act, The Dodd-Frank Act 15 U.S. Code 78c - Definitions and application ( ii ) Trust activities.The bank effects transactions in a trustee capacity, or effects transactions in a fiduciary capacity in its trust department or other department that is regularly examined by bank examiners for compliance with fiduciary principles and standards

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I was notifed through cash app that a charge was declined for my protection. When reviewing the charge, the app asked me if I recognized it and I said no. This canceled my card and a new one was issued. Upon further investigation, I noticed the charge was recurring and was successful on XX/XX/year>. I immediately disputed the charge. My first dispute was denied. I called the XXXX number for cash app and explained to the agent that I do not know what XXXX is. Another dispute was created but was quickly denied stating that I authorized the transaction but I did not. Upon further investigation, I learned that XXXX is an app on XXXX XXXX store. I emailed the app about the unauthorized charge twice with no response. I have closed my cash app account as a result of money being taken out of my account. I need my money back which was {$34.00}. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: MA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-10 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: CA

Complaint narrative:
I viewed my credit report and noticed that there are incorrect 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 explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XXXX/XXXX/24, a CFPB complaint was made ( due to Amex wrongfully retaining a {$690.00} fee ). 

On XX/XX//24, Amex resolved the complaint by agreeing to refund the {$690.00} fee ( in writing via the CFPB ). 

As of XX/XX/24, Amex has not refunded the fee within the timeframe Amex specified in writing. 

Unfortunately, Amex continues to engage in the false and deceptive practices that are outlined in the original complaint. 

See attached for documentation of all of the above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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, has violated my rights. 


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 2024-05-10 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: Experian Information Solutions Inc.
State: SC

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 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, has violated my rights. 


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 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I recently checked my credit report and noticed some inaccurate and unfamiliar accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: AL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

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 2024-05-10 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 writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
I JUST CHECKED MY CREDIT REPORT AND FOUND THIS FRAUD COLLECTION FROM XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX MANAGEMENT.

DELE THIS FRAUD COLLECTION ACCOUNT NUMBER PRSOGSXXXXXXXXX WITH A {$690.00} I NEVER BEEN KNOWN THIS COMPANIES OR NEVER DONE BUSINESS WITH THEM.

I AM A VICTIM OF IDENTITY THEFT AND SOME PEOPLE STILL TRY TO STEAL MY INFORMATION.

DELETE THIS FRAUD COLLECTION FROM MY CREDIT REPORT BY LAW.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX 2024, I mailed XXXX, XXXX, and Transunion letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to identity theft within XXXX business days. The XXXX credit bureau did not remove any XXXX XXXX  off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, XXXX and Transunion has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The XXXX data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX 2024, I mailed XXXX, Equifax, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to XXXX XXXX  within XXXX business days. The XXXX credit bureau did not remove any XXXX XXXX off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, Equifax and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The Equifax data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against 5th 3rd Bank for Fraudulent Activity and Failure to Return Funds Dear Sir/Madam, I am writing to file a formal complaint against 5th 3rd Bank regarding fraudulent activity on my account and their refusal to return the majority of the disputed funds. 5th 3rd Bank account XXXX XXXX 

On XX/XX/24 informed 5th 3rd Bank of suspicious transactions on my account, appearing to be fraudulent activity. Without conducting a thorough investigation, 5th 3rd Bank proceeded to block my account and withheld a significant portion of my funds. I immediately requested a printout of all transactions from the date of the original phone call, along with a copy of the original conversation in question. Despite my repeated requests, 5th 3rd Bank has failed to provide me with this information, hindering my ability to address the issue effectively. 

I would like to clarify that there seems to have been a misunderstanding either on my part or on the part of 5th 3rd Bank from the initial interaction. I have provided a police report detailing the actual events that took place on the reported date to support my claim. Furthermore, while 5th 3rd Bank has returned a small portion of the disputed funds ( {$220.00} ) for transactions conducted online, they have yet to refund the majority of the funds ( {$1300.00} ) that were fraudulently used in person with the card. 

What is even more concerning is the discrepancy in 5th 3rd Bank 's explanation of how the card was used both in person and online during the same reported time period. This raises serious doubts about their handling of the investigation and their failure to provide conclusive evidence of their findings. 

I am formally requesting a full refund of the remaining disputed amount from dispute case XXXX XXXX ( {$1300.00} ) at the earliest convenience. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that justice is served in resolving this dispute. 

Thank you for your attention to this matter. I look forward to a swift resolution and the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX ACCOUNT XXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-05-10 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I write to address the unresolved issue regarding my filed complaint regarding the negative accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I write to address the unresolved issue regarding my filed complaint regarding the negative accounts 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
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I requested payment assistance from Capital One due to the XXXX XXXX loosing our home since XX/XX/year>. Capital One has nothing to help me with. I am requesting payment deferral while we are homeless, and hungry and work thru all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have been having issues getting my credit report from Transunion. It will not allow me to get it online and when I asked to have it mailed I do not receive it.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am unaware of these debts. I did not have the opportunity to dispute these debts. I never received proper notifications involving these debts. If in fact it is believed that I have anything to do with these debts please provide proof with a verified and signed documentation. I'd like to have these removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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