vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX XXXX has XXXX both of my savings accounts, one of which my paycheck is direct deposit into. I have called them on XXXX, when I finally get to the correct department on XXXX, they wont tell me why exactly my accounts have been block. But the first time speaking to someone in the correct department they took all my employment information and told me they will review but cant tell me when the accounts will be un blocked.On XXXX I called again and ask them to tell me why my accounts are block again they wouldn't say, only that they needed more information on my personal worth! 
I provide that information and again they said they would review but they cant tell me when the accounts will be unblocked. I asked please expedite my request because my paycheck goes into that account and I need access to my funds.

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 2023-05-18 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: TX

Complaint narrative:
i have been disputing XXXX, EQUIFAX, AND XXXX about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
i have been disputing XXXX, XXXX, AND EXPERIAN about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below

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 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RM XXXXXXXX Current Last Updated : XXXX XXXXXXXX XXXX Account Status Open Account Type Collection Account Payment Status Collection/Chargeoff Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I did not give permission for XXXX to report this debt to my credit report I did not agree to my personal information to be solicited It is illegal to charge or write off a debt as a loss for and seek payment from a tax write off and continue to report collection late payments or any negative debt This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XXXX XXXX XXXX signed me up for a credit card for a timeshare.We attended a presentation at XXXX XXXX XXXX in XXXX on XX/XX/2022. This was supposed to be a good thing for my family and it has turned into something Im not gon na be able to afford to use due to all the extra costs they lied about. We were lied to about being able to take 2 trips a year and them only costing XXXX points each. To take one trip with my entire family I would have to buy 2 years worth of points if the booking was through XXXX XXXX. Then the armbands are actually XXXX or XXXX dollars per person/per day, the per day was never explained or said to us. On top of all this the free trips they gave up are only valid for XXXX people and XXXX of them have to be under XXXX XXXX XXXX, another thing they never mentioned to us. All this deception is why we feel we should be able to cancel our timeshare membership. We were lied to and our credit was run without permission on a credit card that we did not authorize XXXX XXXX to charge

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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XXXX XXXX my credit report was pulled to see where I stand financially for purchasing a home. My report showed a loan taken out under my social security number for {$100000.00} with FMC-Omaha Service that I did not authorize. I believe this is a case of identity fraud. The loan was authorized XX/XX/2023. I need to dispute this loan immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i had a home mortgage with Wells Fargo and they did not approve a refinance for me and i subsequently sold my home as in a fire sale to have just enough to pay the loan and the broker commission. I recently read in an XXXX aticle of XX/XX/2023 which stated that Wells Fargo may owe me money from a multi XXXX dollar settlement. as i can not find anyway to contact a Wells Fargo representative, i am filing my complaint to you in the hopes of recovering some monies.

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 2023-05-18 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: NC

Complaint narrative:
Transunion is reporting fraudulent accounts on my consumer report. XXXX and XXXX have removed these fraudulent items but Transunion has not and continues to report inaccurate/fraudulent accounts. These accounts need to be removed immediately as Transunion is in violation of numerous consumer reporting laws.

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 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Management, Inc
State: FL

Complaint narrative:
Called and used abusive and aggressive language regarding a collections letter that I am currently disputing. They can not /have not even shown proof of what this debt is or where it came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: TX

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.

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 a 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. 

Name of Account Account Number Verification OFFICE OF THE ATTY XXXX XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX  XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identitu Theft. 

XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The Florida XXXX XXXX Assistance XXXX ( HAF ) approved and have been sending {$430.00} monthly mortgage payments to PNC Bank. According to XXXX from XXXX, on XX/XX/XXXX, XXXX sent PNC bank the mortgage payment that is due XX/XX/XXXX and PNC cashed the funds from XXXX on XX/XX/XXXX. 

Is already XX/XX/XXXX, and the mortgage payment that PNC received and cashed on XX/XX/XXXX from XXXX has not yet been posted to my mortgage account for due date XX/XX/XXXX. I have called PNC mortgage customer service, PNC XXXX clients relations and spoken to XXXX XXXX, Twinkle and others in the past XXXX weeks I have been told the same story ... ... that PNC is looking into it, but that it should be posted or I should get an answer in 3 days or so. First week in XXXX passed and no answer, XXXX week passed and no posting of the payment and no answer, XXXX week passed and the same and all along I have been on the phone various times each week inquiring about status of the posting to no avail. 

On XX/XX/XXXX, PNC bank charged me a mortgage late fee of {$14.00} for a payment they received from Florida XXXX but have not yet posted to my account. On XX/XX/XXXX I received a phone message from PNC Bank XXXX department. I called the mitigation department on XXXX, XXXX and was told it was regarding delinquent mortgage when fact my mortgage is NOT delinquent and PNC bank has been holding the HAF payment due XX/XX/XXXX for XXXX weeks. I told mitigation to read the notes on my account and the XXXX department told me that they see I have been calling and working with PNC XXXX customer relations. XXXX from XXXX relations tells me that she sent messages to the PNC XXXX XXXX representative who is suppose to look into this and approve the payment for posting and should get an answer in 3 days and I have been told the same thing for XXXX weeks. 

Where is the XX/XX/XXXX funds that PNC received and cashed from Florida XXXX for my mortgage due date of XX/XX/XXXX and how come they have not posted the funds to my mortgage account? 

It seems to me that the right hand does not know what the left hand is doing within PNC bank various departments and the latest funds that PNC received and cashed from Florida XXXX is being misappropriated to somewhere else and I have been given the run around. When is going to post the funds to my mortgage account? 



I ha.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
hello. I have a problem with Venmo, I have used it for several months, and suddenly they frozen my account, when I contact them they ask me to send my ID to unlock the account, I sent it and still they told me that they blocked it and that they reserve to say for what reason it was. I have already sent several emails and Venmo 's response is totally negative, and they will hold my money for 180 days. It is something totally unfair and without explanation. Several people have already had this happen with the Venmo service. The money is a total of XXXX. I was just synchronizing my Venmo account with my Physical bank and they blocked it. I don't see any violation in that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
Identity theft! 
Someone opened account in my name fraudulently! 
Account must be removed from credit Report immediately!

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 2023-05-18 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: FL

Complaint narrative:
Identity theft! 
Someone opened account in my name fraudulently! 
Account must be removed from credit Report immediately!

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 2023-05-18 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-18 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: NJ

Complaint narrative:
i submitted disputes with XXXX on XX/XX/2023 for unauthorized hard inquiries that i think someone was trying to establish credit in my name. The investigation was completed today XX/XX/2023 without a reasonable investigation. According to FCRA legally these unverified & unauthorized items Must be removed. I directly dispute the completeness and or accuracy of information contained in my consumer file. As per FCRA there here to reinvestigate is an intentional and/or negligent FCRA violation.Ive talked to the fraud dept to resolve these issues as wel as placing a fraud alert & freeze on my credit reports.

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 2023-05-18 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
i went XXXX XXXX XXXX huntington atm, it allowed me to put my card in and enter my pin and allowed me to take my card, it then said it was having trouble dispensing money i immediately went into the branch and XXXX the teller was rude and unwilling to help me and said it was put back into my acct, which is a lie an still is then the manager came out XXXX, she was also rude and refused to assist me and refused to show proof a dispute being made i went out to my car and immediately called huntington customer service and they are not able to assist and i have esclated the call to the disputes dept supervisor as of right now i do not have my cash and no credit has been put into my acct

Company response to consumer: Closed with monetary relief