vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Delete hard inquiries, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-15 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: MI

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: Block, Inc.
State: GA

Complaint narrative:
I received a letter from the IRS stating I owe XXXX. I call the IRS to get more information about these claims that wasnt me. Then I called Square to get more information they said it wasnt them and sent me a email stating it was Cash App. I called Cash App and now Im getting the runaround I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2023 my debit card was stolen while I was on vacation. They took my card and used it 8 times at a local XXXX. The total amount stolen from me was {$3900.00}. 
That same day I called my card company to tell them about these charges that werent mine. They said I had to wait for the charges to clear to make a claim. Eventually made the claim and was told it can take about a month for an answer. On XX/XX/2023, the fraud department sent me over 8 emails stating my claim has been approved and I would be receiving my funds in about 1-2 business days. 
Its XX/XX/2023, I have yet to receive my {$3900.00}. 
I have called over 30 times in the course of 8 months to ask about my funds. Ive spoken to several reps and supervisors and they have all told me the same exact thing. We will escalate this to our fraud department, and when we have an answer from them, we will give you a call Theres no direct number to their fraud department and apparently the only way to reach them is their email. 

Company is XXXX XXXX Ive also tried to reach XXXX but they said XXXX is a separate company from them and they can not see my account.

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 monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: GA

Complaint narrative:
I am writing to dispute the following items. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here.

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 2023-12-15 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXXXXXX  I spoke with an agent by the name of XXXX. The Agent refused to dispute an inaccurate address, that I told him is a non mailable address. Per the FCRA 15 USC 1681, this is not my address. I did not give XXXX nor Transunion written consent to place this address on my report. XXXX told me he could not remove it and that I needed to contact the creditor which is not by the law. Please delete this inaccurate information immediately. If XXXX continues to report this inaccurate information as this is a violation of the Privacy Act of 1974.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: IL

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-15 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a request for my full disclosure of my credit file, with everything they have on file about me, to Experian at their publicly listed post office box. It was sent by certified mail with return receipt requested to the Experian Consumer Disclosure Department, XXXX XXXX  XXXX, XXXX, Texas XXXX. The second of the same letter, was also sent to Experian at the same publicly listed post office box by regular mail. Experian received my certified mail on XX/XX/XXXX, per the United States Postal Service. As of XX/XX/XXXX, Experian has violated the Federal Trade Commission policy which outlines my right to these reports as a consumer. They are required to 1 ) give me a free copy every 12 months ; 2 ) correct any mistakes, and 3 ) make sure the information they collect is correct. The incorrect information has remained on my report for years, and Experian has illegally denied my written request, twice within 70 days.

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 2023-12-15 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: MO

Complaint narrative:
For the Credit Reporting Agencies continued violation of the FCRA and these specific codes. 15 U.S. Code 1681 ( a ) ( 4 ) ; For the Credit Reporting Agencies continued violation of the FCRA and these specific codes, 15 U.S. Code 1681 ( a ) ( 4 ) ; 15 U.S. Code 1681 ( a ) ( 2 ) ; 15 U.S. Code 1666b.

Legal Demand and Notice as it pertains to the FCRA as a federally protected consumer. For continued failure to act in good faith. As private for-profit companies that collect data on the credit history of people to then sell to the commercial and financial enterprises that extend credit. See 12 U.S. Code 1431 ( a ) I am now opting out ( rescinding ) of any and all Authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

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 2023-12-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
For the Credit Reporting Agencies continued violation of the FCRA and these specific codes. 15 U.S. Code 1681 ( a ) ( 4 ) ; For the Credit Reporting Agencies continued violation of the FCRA and these specific codes, 15 U.S. Code 1681 ( a ) ( 4 ) ; 15 U.S. Code 1681 ( a ) ( 2 ) ; 15 U.S. Code 1666b.

Legal Demand and Notice as it pertains to the FCRA as a federally protected consumer. For continued failure to act in good faith. As private for-profit companies that collect data on the credit history of people to then sell to the commercial and financial enterprises that extend credit. See 12 U.S. Code 1431 ( a ) I am now opting out ( rescinding ) of any and all Authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested the credit bureaus to investigate every piece of information on the XXXX XXXX XXXX account and the XXXX XXXX XXXX XXXX XXXX Account. According to FCRA, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom his is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible, if they did not do a proper investigation. According to the FCRA 15 USC 1682 everything must be 100 % accurate. I am demanding a correction to my credit report by this item being deleted and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 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 2023-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased a couch from crate and barrel on XX/XX/2023 with total cost of XXXX $ during that time frame, crate and barrel had a XXXX day promotion if you sign up for the crate and barrel credit card you will receive a 20 % back reward points total of XXXX $ from my purchased. I applied for the crate and barrel card to receive the reward points, but instead of charging to the new opened crate and barrel cc, the purchased automatically was charged to my XXXX card hat was already on-file. 
Multiple attempt was called to crate and barrel customer service to reverse the charge from my XXXX card and to be transferred to the crate and barrel card. 

On XXXX of 2023 the issue was resolved and I was informed that I will received my rewards point 1 to 2 billing statements with the 20 % promotion. On XX/XX/XXXX my first billing statement came and received {$720.00} rewards point. I called the crate and barrel synchrony bank customer service on XX/XX/XXXX to follow up on the remaining rewards point that was owed to me. On XX/XX/XXXX a resoulution was made and was informed that I will received the remaining rewards point in 2 billing cycles. On XX/XX/XXXX I called to follow up and was informed that it will be posted on my XXXX statements. XXXX statement came and the remaining rewards point did not apply. 
I called once again on XX/XX/XXXX to follow up and was told that it will be posted on the XXXX statement. The XXXX statement has uploaded and still no reward points. I called the 4th time on XX/XX/XXXX and was transffered to XXXX ( the account manager ) and was informed that all they could do is to follow up once again and to wait the for another 1-2 billing cycle. This issue has been ongoing since XX/XX/XXXX the day I signed up for the crate and barrel card. Totalling of 7 months. 

At this point XXXX XXXX promotion and XXXX promotion has been posted with many sale that I could not partake due to not receiving the rewards point that was entitled to me. In addition, I asked for a copy of the note that was inputted in my account with all the interactions that I had with their customer service representatives, but was informed that I could not get access to the information/interaction. 

I am concern that many will fall victim to false advertisement and that synchrony bank is purposely withholding the rewards point during the holiday season to benefit them rather than the customers.

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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was sick in XX/XX/. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against PNC Mortgage for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act. 
I filed the above complaint before & PNC Bank N.A . responded that I should get 18 Months Forbearance only but that is not True. I should get 30 Months Forbearance as per XXXX XXXX Guidelines but PNC Bank N.A . made False Statement to CFPB & an Investigation should initiate against PNC Bank N.A . by Department of Justice for making False Statement to the Regulators.

Company response to consumer: Closed with explanation