vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report such as an inquiring on XX/XX/2021 for XXXX XXXX XXXX. I am a victim of Identity Theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete this item as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CO

Complaint narrative:
In XXXX of XXXX I purchased an XXXX stacked washer/dryer with a warranty, I opened a Lowe 's Credit Card and charged the washer/dryer and warranty to the credit card. It was suppose to be delivered on XX/XX/XXXX. When I called them on XX/XX/XXXX to confirm delivery, they said that delivery wasn't going to happen until the end of XXXX. At that time I cancelled the washer/dryer and asked them to refund everything to the credit card. I purchased the same model from another retailer who was able to have it delivered within a week. 

In XXXX of XXXX I received a call from XXXX 's confirming delivery of the washer/dryer, I told them I had cancelled the order and everything was suppose to be refunded back to the credit card. They refunded the washer/dryer, but did not refund the warranty. I have been getting the runaround between Synchrony Bank/XXXX XXXX and their Warranty company since XXXX of XXXX. I have spoken multiple times with them about getting this refunded to my credit card since I never took possession of the washer/dryer, and should have been refunded the warranty in full. 

They have trashed my credit score so that my insurance has gone up and another of my credit cards, has lowered my credit limit, which has again affected my credit score. 

I have spent countless hours on the phone with no resolution. I never took possession of the original item I purchased, I never should have been charged for a warranty on an item that was never delivered. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AL

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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
House was under contract with a buyer. This was reported to 5/3rd bank. A letter was signed and submitted stating the house was under a contractual agreement. A 5/3rd bank representative misinformed the seller that no last payment was needed. The buyers financing fell through and contract was extended another 2 weeks. 5/3rd bank sent a letter for 30 day late payment and updated sellers credit report to reflect this. When a complaint was submitted with 5/3rd bank they stated late was verified. No resolution was made and now my credit is damaged by the misconduct and miscommunication of their uninformed representatives. They refuse to remove the one 30 day late and as a result I can not refinance my current property that is through a different lender. This needs to be corrected and is causing great harm to me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
Multiple charges were made with this card in XXXX when my wallet was stolen I have contacted the company several times to inform them that the charges were fraudulent the only thing they would tell me if ok we will look into it I have been getting the run around since XXXX this is affecting my credit score I have gotten absolutely no help with this at all my account is in the negative {$640.00} and they are telling me thats late fees which is a lie I have been getting lied to since XXXX I even tried to close the account I dont believe the closed it right away because charges were still being made on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Capital One account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from someone posing to be a USAA associate. They called from USAA 's phone number ( XXXX ). They told me my checking account had suspicious activity and needed me to verify my account. I proceeded to verify by giving them my account password, not knowing they were scammers. Immediately I logged in to see what was going on. Scammers then told me to give them XXXX business days to investigate. So the next day I checked my account again and it was - {$10000.00} and that's when I called USAA and reported it. USAA told me I was scammed and that they needed to investigate. So XXXX days passed and they called and told me that it was my fault because I gave them my phone password. I told USAA that they called from your number so I thought it was USAA. I am a XXXX XXXX  who gets XXXX pavements from the XXXX XXXX and the XXXX. So the XXXX of XXXX, USAA held my XXXX payments to put towards the XXXX. I feel that this wasn't my fault because the scammers called from USAA number. If they would've called from any other number I would've known I was being scammed. USAA also didn't put the checks on hold when they were deposited and the checks were pretty much blank. The scammers only filled in the dollar amount and scribbled a signature. I also believe USAA shouldve seen that this was bogus and stopped the transaction, instead they let it go through. They are talking about closing my accounts and making me pay back the money the scammers stole from them. USAA sent me copies ofthe checks that will I attach. I also filed a police report with NY State Police. I need your help in trying to overturn their decision and get my XXXX payments back. 
( XXXX ) XXXX. Call me if need be. I was trying to upload documents but the file was too big.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN HAS AND CONTINES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. EXPERIAN IS DENYING MY REQUEST FOR METHOD OF VERIFICATION FROM RELATED ACCOUNTS BEING OPENED FROM IDENTITY FRAUD. EXPERIAN IS REQUESING FOR ME TO PROVIDE MY FULL NAME, DATE OF BIRTH, FULL SOCIAL, AND ADDRESS FOR THE LAST TWO YEARS FOR IDENTITY PURPOSES IN ORDER TO PROCEED WITH AN INVESTIGATION. HOW CAN EXPERIAN VERIFY THESE FRAUD ACCOUNTS BELONG TO ME IF THEY CAN'T SUCCESSFULLY VERIFY WHO I AM WHICH I HAVE ALREADY PROVIDED THIS INFORMATION SEVERAL TIMES AND WILL UPLOAD PROOF WITH THIS COMPLAINT TO SUPPORT MY CLAIM. THE ACCOUNTS ARE AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX I contacted EXPERIAN via XXXX mail with XXXX tracking Number XXXX ( received on XXXX ) REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED EXPERIAN SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A XXXXW0-DIGIT CODING VERIFICATION SYSTEM. EXPERIAN FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO EXPERIAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XXXX of 2020 PayPal put a limitation to my account and refused to allow me to withdrawal my funds, as well refused to close my account. To this day I still have money stuck in this account. I called PayPal today and was told they will not allow me to withdrawal the funds still remaining in the account, and also refuse to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BoA account to fraudulent investment firm ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AL

Complaint narrative:
In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXXXXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXXXXXX XXXX XXXX ACCOUNT XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
This is my third time complaining about FEDLOAN servicing. 

I know your company is closing down, but shouldn't you work until the last day to take care of our loans. 

I complained about issue with getting my refund request on XX/XX/XXXX. Received the response from your company " Advocacy Office '' after your thorough review. You stated that the request is on hold by the Department of Education and my closed loan with {$0.00} balance will be transferred to a new servicer. 

How come your agents ( customer service ) have no clue about the plan and always gave me inconsistent and inaccurate information when I called to check the status. 

One agent ( XXXX XXXX told me there is no refund request - and submitted a new request on XX/XX/XXXX. 
One agent told me on Monday XX/XX/XXXX that my loan won't be transferred because it is closed. 

I also emailed your Office of Consumer Advocacy on XX/XX/XXXX -- BUT no response. 

I also requested the account balance history which includes all transaction - including the last paid off transaction -- - BUT has not yet received it. ( The one that I received online on XX/XX/XXXX - did not include the last payment on XX/XX/XXXX. 

If my loan will be transferred to a different FSA - WHEN would it be and WHO would it be?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from XXXX  and I disputed the accounts but the credit bureaus didnt dispute it they kept it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I posted a Brand New Unlocked XXXX XXXX XXXX XXXX for sale on XX/XX/2022. I was asking {$1000.00}. On XX/XX/XXXX I received a offer from a buyer for {$800.00} cash. I said I would accept that. We set up the time and place to meet. Then a few minutes before we are meeting he sends me a message saying he couldn't make it but his wife was meeting me. Upon arriving I was then informed he wasn't able to pay me in cash but venmo only. He asked his wife to verify the XXXX  number and I also sent him a screenshot of the XXXX which he verified and then proceeded to send me the payment. Two days later he tried saying that the phone was locked etc. Then he even had a " XXXX employee '' get on the phone with me. The supposed employee had the EXACT SAME ACCENT as both him and his wife which is obviously very suspicious so I hung up and called XXXX myself. XXXX confirmed that the phone was unlocked and they also confirmed that someone was actively using the phone as well. This customer filed a dispute with venmo and even though I submitted all documentation they requested they refunded the scammed and then froze my account. So now the scammed turned around and sold the phone to someone else. There is a transaction on his account AFTER winning the dispute where he sold the phone. I'm a XXXX mom trying to survive in this messed up world. This is literally going to destroy me and my daughter. He got a brand new phone that's worth {$1200.00} and he got his money back!!! He verified the phone before paying me. He scammed me. Why is he allowed to keep the phone? And the money? Venmo is facilitating this person so he is able to scam me. That's fraud! Where's my seller protection?

Company response to consumer: Closed with monetary relief