vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I filed a dispute for fraudulent transactions with Penfed Credit Union. It was for ALL transactions made at XXXX in the month of XX/XX/2022 as I lost my wallet in the store for a period of time. 

I am not able to see the transactions as a new card was ordered but the fraudulent transactions are still on my account and they should be removed 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 2022-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regarding Complaint - XXXX - We received a notification that this complaint was closed. It appears that " as always '' that the CFPB is going off of what Truist is telling you and you are NOT doing an investigation for yourself. I think that if someone would do an investigation that they would find that we are right and Truist hasn't. They are just trying to pass the buck with their 'obligatory letters ''. THIS IS NOT RIGHT!!!!! I thought that the government and state agencies were to protect the citizens. It appears that either these government / state agencies are just there to pass papers and protect BIG CORP like Truist that are not taking responsibilities for their actions and are basically scamming people. ( If you don't believe me, take a look at SOCIAL MEDIA ... .. this one, in particular ... ... XXXX XXXX XXXX I would like a further, more detailed investigation from your organization regarding our issue. You will find that we have a case against Truist. Thank you!

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 2022-09-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX  has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not XXXX or Experian. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security Administration. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a XXXX XXXX.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department of Motor Vehicles asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.

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 2022-09-17 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: PA

Complaint narrative:
There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2022-09-17 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: MD

Complaint narrative:
I sent Transunion the attached letter on XXXX XXXX. Transunion received it on XXXX XXXX. The certified mail tracking number is XXXX. Transunion has defamed my character. Remove these accounts or I will bring legal action against Transunion for defamation of character.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please investigate and delete from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX I did not authorize this 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 non-monetary relief
Consumer complaint received 2022-09-17 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: MD

Complaint narrative:
I sent Experian the attached letter on XXXX XXXX. Experian received it on XXXX XXXX. The certified mail tracking number is XXXX. Experian has defamed my character. Remove these accounts or I will bring legal action against Experian for defamation of character.

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 2022-09-17 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: MD

Complaint narrative:
I sent Equifax the attached letter on XXXX XXXX. Equifax received it XXXX XX/XX/22. The certified mail tracking number is XXXX. Equifax has defamed my character. Remove these accounts or I will bring legal action against Equifax for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurateXXXX XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXXXXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Rent Recovery Solutions
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Rent Recovery Solutions account XXXX has violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to Privacy.

15 U.S.C 1681b section ( A ) ( 2 ) Nothing can be furnished on my report without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX AND CAPITAL ONE stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thoughtXXXX XXXX AND  CAPITAL ONE case ID XXXX. XXXX AND CAPITAL ONE is blatantly punishing a victim of identity theft. XXXX AND  CAPITAL ONE has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND CAPITAL ONE are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND CAPITAL ONE has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX AND CAPITAL ONE have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX AND  CAPITAL ONE cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX AND  CAPITAL ONE now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX AND CAPITAL ONE continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from TSI ( Transworld Systems Inc. ) I've never heard of them or the Creditor : XXXX XXXX XXXX. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Im currently applying for tech jobs and I received an email from a recruiter stating that I might be a good match for a company called XXXX, and I should apply and interview with them. I researched the company and found it to be legitimate. In the email Im given details on how to set up my XXXX account and reach out to the person from XXXX who will interview me. I connect with this person via XXXX and interview with them and after a few days Im told that Im hired. I get a call from them that they would like to start training in a little over two weeks. I researched the company through their official website and researched the person I was in contact on XXXX so that would know that they were the real people from XXXX. As it turns out, the scammers were impersonating real people that actually work for the company, using their information from XXXX. Its a remote tech job and Im told that the company will be supplying me with a new laptop and other devices for me to succeed in my new role. Im told that I will be receiving a check that I need to deposit to the ATM in my bank and then Im provided with the tech website where the equipment is going to be purchased. I receive the check, I deposit it and go ahead to the website, XXXX, where I purchase the equipment. The options for the payments are XXXX, wire transfer and XXXX XXXX. I choose wire transfer as its more convenient and I go ahead and wire transfer the money to the recipient. Two days later I get an email from my bank that the check that I deposited is not valid and its returned. Therefore the money that I deposited is no longer there and now Im out of {$8600.00}. As soon as I discovered that the check was fraudulent, I contacted my bank to begin a recall. I spoke to 3 different agents and each of them gave me conflicting information, which led to it taking an entire business day to initiate a recall. At this time Im not sure if any funds will be recovered, and my bank is now trying to collect a balance from me for funds that they themselves represented as available when in actuality they were not.

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 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
AGAIN, XXXX is reporting inaccurate information on my credit report. They are reporting a BALANCE on a Charged Off Account!!... This is a serious violation and after the numerous disputes made my have most gone unresolved. Review the attached documents, an insert form Experian 's manual, it Clearly says XXXX can not report a Balance on a Closed 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 explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: PA

Complaint narrative:
XX/XX/2022 I made a {$5000.00} payment to upgrade it took a couple days for bank to release payment. Upgrade customer service indicated on the XXXX that they do show a payment was made on the XXXX of XXXX. On the XXXX of XX/XX/2022 I go to use my upgrade credit card thinking because I made my payment and according to upgrade it's paid I should be able to use my card. Only to be of no avail due to unfair consumer practices of not making my credit immediately available once payment is made. Now I'm in store knowing I have a certain amount of credit available because I paid it. The real problem is if I didn't pay my bill on time they would report me to credit bureaus and tack on interest for late payment. How fair is it to me as a consumer to make my payments on time or a head of time only to be denied access to a service that the agreement is as long as I pay my bill I will have credit available. This is not the case with upgrade I have to wait 7 to 10 business days to have funds that I pay to have available to me. It's supposed to be you pay your bill you continue to receive service according to upgrade policy and terms.

Company response to consumer: Closed with explanation