vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
ON XX/XX/22 I GOT AN EMAIL STATING THAT MY CREDIT CARD WAS REPORTED LOST AND A CHANGE OF ADDRESS WAS MADE, NEW CREDIT CARD WAS SENT TO THIS NEW XXXX, MY INITIAL CREDIT LIMIT WAS OF {$3000.00} AND EVEN THOUGH I HAD CALLED THE COMPANY AND SAID THAT I DID NOT REQUEST ANY NEW CARDS AND THAT I HAD NOT CHANGED MY ADDRESS AND LOCKED SUCH CARD, THIS OTHER PERSON CALLED UNLOCKED MY CARD REQUESTED A CREDIT INCREASE TO {$7000.00}, REQUESTED A NEW CARD AND EVERYTHING WAS GIVEN TO THIS UNKNOWN PERSON WITH NO QUESTIONS ASKED, PURCAHSES WERE MADE IN CALIFORNIA AND OHIO, I HAVE NEVER BEEN TO EITHER STATE, NOW CARECREDIT IS RULING AGAINTS ME AND CHARGING ME {$11000.00} FOR THINGS I DID NOT PURCHASE, I HAVE ALL MY STATEMENTS, ALL CALL LOGS FOR THE MULTIPLE CALLES THAT WERE MADE TO THIS COMPANY, I HAVE ALREADY OPENED XXXX INVESTIAGTIONS AND THEY STILL RULE AGAINTS 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 monetary relief
Consumer complaint received 2023-04-05 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. Please remove these accounts as soon as feasible.

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 2023-04-05 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: MD

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-04-05 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:
I'M REQUESTING TO HAVE TANSUNION TO VALIDATE A DEBT ... XXXX ACCOUNT NUMBER XXXX ... 
TO Transunion : : I Received The Results From My Previous Dispute ... I Have A Right To Have An Investigation Done... According To Credit Reporting Laws They Ensure That Credit BUREUAS Report Only 100 % Accurate Information ... Every Step Must Be Taken To Assure That The Information Reported IS COMPLETELY ACCURATE AND CORRECT ... The Following Information Therefore Needs To Be Re-Investigated... Please Make Sure Everything PERTAINING TO MY CREDIT REPORT IS CORRECT... 
Please Provide ME With THE FOLLOWING ITEMS : : : Pay Off DISCLOSURE Interest Rate DISCLOSURE Balance HISTORY Payment HISTORY AND THE Credit INSURANCE... 
PLEASE VALIDATE ACCOUNT XXXX ACCOUNT NUMBER XXXX ... 
I RESPECTFULLY Ask Transunion TO Provide Some Kind PROOF Of The Alledged Item Specifically The Contract Note Or Other Instruments Bearing My Signature... 
Additionally Please Provide The Name Address And Telephone Number Of The Credit Grantor Or Other Subscriber... 
Under Federal Law You Have Thirty ( 30 ) Days To Complete Your Re-Investigation... Please Be Advised That The Description Of The Procedure Used To Determine The Accuracy And Completeness Of The Information IS Hereby Requested As Well... To Be Provided Within Fifteen ( 15 ) Days Of The Completion Of Your Re-Investigation Transunion Respectfully 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 non-monetary relief
Consumer complaint received 2023-04-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please see that these accounts are removed from my credit file ASAP.

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -

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 2023-04-05 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2023-04-05 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: WI

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05 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: MI

Complaint narrative:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : -, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on 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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I applied for Barclays Aviator AAdvantage credit card while I was on an XXXX XXXX in XX/XX/2022. The flight attendant advertised that if I applied and simply buy a qualifying purchase, which could be anything, I would automatically receive XXXX mileage points. I applied and was approved. I made my purchases. I assumed I had my promotion mileage to be used in the future. Today, I was ready to redeem as I had a flight to purchase. I checked my rewards and the XXXX points werent on there. I checked the rewards page. It stated I completed my qualifying purchase. I just didnt pay for my membership fee of {$99.00} within 90 days. I wasnt aware this was a requirement. I checked my payment history. I made my first payment of {$29.00}, second payment of {$29.00}, and third payment of {$100.00}. I knew these payments alone were enough to pay the membership fee. I called in to Barclay to get this resolved. They said when I make a payment, their system has no way of knowing what my payment was used to pay a prior purchase or the membership fee and thus unable to honor their promotion. The promotion was unclear and falsely advertised from the beginning. Ive been a good standing customer to both Barclay and XXXX XXXX. I should have been given the promotion as offered.

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 2023-04-05 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The Star Financial
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage loan for a house in XXXX XXXX, CA using Star Financial Corp. I received my pre-approval within 24 hours. After searching for houses, I entered into on XX/XX/XXXX for a house. After opening escrow on XX/XX/XXXX, I immedialty contacted the lender with additional info they requested to officialy sent my applciation to the underwrite. After reviewing my application within 24hrs, Loan Officer XXXX XXXX said he is not able to provide the loan. So I went ahead to other lenders quickly, while shopping around, he came back to me 4 days later and gave me a call and said he is gon na make it happen. So I provided all the docs to him again. A week goes by and he does not sent me a Loan Estimate with my rate. I asked him to send it multiple times but each time, he told me not to worry and he will make the loan happen. 2 weeks goes by and after him charging me {$630.00} for appraisal, he comes back a week after that ( 3 weeks from the start ) with the appraisal report notice and tells me appraisal came back so sign this form ( appraisal delivery form ) - XX/XX/XXXX. At this point I did not even have a copy of it. So I refused to sign the form and he got mad. He comes back same day with a loan estimate finally. He proposed a loan estimate with a rate of 7.25 % and over {$42000.00} in only origination fees not even HOA or taxes included only the fee he is gon na charge me to originate the loan. Interestingly he gives me a LE and I look at it and the rate lock started XX/XX/XXXX, which is over 20 days from the day we opened escrow and started my application. I complained about the insane interest rate and loan costs and he told me " You do not know what you are talking about. I am gon na give the loan to you and just sign it ''. After that he called me multiple times and also emailed me another LE with interest rate of 6.99 % and loan cost of over {$20000.00} and told me take it or leave it. I felt so much pressure and also he harassed me and he wanted to make me sign papers so he can over charge me. He also said, this all is gon na be fine, just sign it and we can talk after COE.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-05 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 had noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them from my 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 2023-04-05 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: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$37000.00}. Please update this 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 2023-04-05 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: MI

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2023-04-05 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: MI

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation