vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: IA

Complaint narrative:
XXXX XXXX : XXXX Balance Transfer charges were applied to my credit card. Each in the amount of {$450.00}. XXXX of these charges for a total of {$1800.00} still needs to be credited. 
I have called the credit card company 5 times between XX/XX/XXXX & XX/XX/XXXX and can't get this resolved.

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 2023-06-26 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant

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 2023-06-26 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: AL

Complaint narrative:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}

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 2023-06-27 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: AL

Complaint narrative:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I have a PNC Bank XXXX ending in XXXX. In XXXX I notified PNC Bank that I wanted to close out the account and also paid the balance on the account of {$120.00}. They are saying that the check was not received in time and posted a {$27.00} late fee plus {$2.00} interest fee. I refused to pay the fees since I had notified them that I wanted the account closed due to medical issues of having XXXX strokes over the past year and not needing the credit card anymore ; as well as paying the balance in full that was agreed to via the phone. The following month PNC added {$38.00} in late fees and {$2.00} in interest. And they are continuing to add late fees and interest even though I have paid in full and closed out the account. I called them to discuss and after XXXX min. on line the phone line went dead while waiting for the XXXX to discuss with a supervisor ; and they didn't even call me back. I called back in and got a new person who essentially said " tough luck, but you owe us the money and have to pay it or we'll come after you. '' This is simply blackmail and hostage taking of someone's credit by not closing out the account and continuing to charge late fee on late fee and interest on interest without any purchasing being made since XXXX of 2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: MO

Complaint narrative:
I sent a letter out XX/XX/2023 to experian, XXXX, & XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-06-26 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: NY

Complaint narrative:
1. There are inquired Older than 2 yrs. The website admits to keeping old accounts pass the legal deadline of 2yrs by stating the accounts are schedule to be removed in a time frame which equals to 2 years and 1 month 2. Charged Off accounts that were charged off in XXXX  are still being reporting negatively each month, and the credit bureaus are posting without regard to the rights detailed in the FDCPA and FCRA. 

XXXX. Credit Bureaus are posting private transactional data by way of credit card balance. These balances are updated several times a month, which also shows spending habits. Late payments for credit cards are considered financial transactions, and financial transactions can not post to credit reports lawfully. It violates the rights my rights under 15 US Code 1681a ( 2 ) ( A ) ( i ) specifically. I am seeking damages for violations listed above. Please show validation for each account and inquiry on my credit report, if you can not, please remove those accounts completely within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-26 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Homespire Mortgage Corp
State: MD

Complaint narrative:
In XX/XX/XXXX, I started working with Homespire Mortgage Company to qualify for a mortgage. I never received an adverse action letter but my credit was not extended to me and I followed all the instructions up until XX/XX/XXXX when I was told I needed to get rid of my car in order to qualify. My inalienable rights has a natural person was violated and my consumer rights by denying me for exercising my rights. There are no laws stating that credit reporting agencies determine credit approvals, and the credit reporting agencies are violating my privacy. In fact, XXXX does not back credit reporting agencies. Homespire had me submit an application which is the security collateral that they submitted to the federal reserve for benefits but I received nothing as a natural person. Additionally, Homespire has discriminated and discouraged me which is a violation of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion DateXXXX File : XXXX Names Reported : XXXX XXXX is not my legal name and I feel it is affecting my credit. 
XXXX XXXX is a female name. Not my legal name. 

Transunion has acted reckless with this name in which has affected my credit score in reasons by wrong names on my credit by Transunion credit file. 

I'm also filing a complaint with the US attorney to investigate Transunion wreckless actions affecting my credit.

Address Reported by Transunion are all wrong with multiple address duplicated of home address as well as phone numbers are not mines.

Transunion has mix credit names of a woman and man in =which are not me and therefore has an impact on my credit file on mix credit. XXXX XXXX XXXX I have consulted with a credit attorney out of Texas in regards of legal action by the impact of my credit file and negligence by transition Mixed credit file incorrect.

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 2023-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I requested my on-line saving account at PENFED Credit Union , with a balance of about {$150000.00}, to be close on XX/XX/2023. I also requested the account balance ( ~ {$150000.00} ) be sent to me via check, since they indicated a sum of that amount could not be issued to me via an electronic transfer. Note I had used electronic transfers to and from PenFed and my accounts at my primary banks. I have contacted PenFed via phone to ascertain where and when the balance will be issued a number times without any definite explanation from them. The only response has been we are looking at it and will get back to me by phone. No followup phone calls have been received from PenFed as of today. I have contacted them over XXXX times including today, with same response.

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I deposited XXXX and XXXX into my checking with checks from work to TD Bank. Also deposited XXXX in my savings and have yet to receive a check with my funds or any reason besides that they suspected fraud of why my account was closed. I came into the bank with my id, social, birth certificate, and alternate old ids and they would not issue me a debit card or give me access to my funds and eventually closed my account on XX/XX/23 without giving me my funds. I tried to call TD and walked into the XXXX New York branch with no updates or any idea of how they could or would get me my funds I deposited into their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Its Cash App- On XXXX XXXX my boss sent me {$600.00}, but spelled my cash tag name wrong. We tried to request a refund and got no reply, so we have been in contact with cash app and they continue to give us the run around. Called again today on a three way call, the employee got rude and refused to help both of us, as its BOTH of our problems, and hung up. I called back and now I cant get ahold of a representative. The money was sent to a dead account, and should have been refunded by now. Im POSITIVE cash app stole that money. This is my livelihood, and theyre taking advantage of good people. Its now almost XXXX and they still have yet to resolve a 10 to 14 day issue. I have zero tolerance for people and representatives who are rude, especially to elderly people. Neither account has yet to see a refund or the money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: OH

Complaint narrative:
there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -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 non-monetary relief
Consumer complaint received 2023-06-26 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2023, a credit card was approved by Barclays Wyndham Rewards in the amount of {$11000.00}. I never applied for this card. I have not stayed at a Wyndham hotel in almost 4 years. 
When I got through to the Security department at Barclays, I was asked for my mothers maiden name as my security question. The name on their record was not my mothers name. They said that someone had opened the card in my name and that, currently, there were no charges to the account. They were cancelling the card immediately. 
I have had a credit freeze on my account with XXXX but Barclays uses XXXX. When I checked XXXX, they had shown a hard inquiry from Barclays on XX/XX/2023. 
I have notified XXXX and they put a Fraud Alert on my account and will notify the other credit reporting agencies to place the same fraud alert. 
Please note that Barclays and Wyndham Resorts have been involved in a fraud scheme for years with opening credit card accounts without approval. My son, whose name is the same as my husband and has never lived at my current address, stayed at XXXX XXXXXXXX the week my card was approved. Coincidence? I think 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