vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
A fraudulent charge of {$230.00} was made on my credit card on XX/XX/XXXX. I reported this charge to the credit card company on the same day it was made. 
I did not have any idea what it was for, and assumed the charge was handled. I was not advised to watch out for merchandise delivered to me and was traveling at the time. When I returned home, as I went through my mail and packages, I opened a large envelope and six bottles of a male enhancement spilled out. I had not ordered this product and I threw it away as it was unsolicited. The credit card company says that this was the benefit I received from the fraudulent order. I had no idea at the time that the two were connected. The merchant never contacted me about the order sent to me unsolicited asking for it back. I believe this was a mail scam and dont know why this company had my credit information, address or email. I am a widow and found this entire experience to be humiliating. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This a complaint against XXXX I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

1 XXXX XXXX XXXX Account number XXXX 2 XXXX XXXX bur Account number XXXX  Child support enforcement  Account number XXXX I dispute these 3 account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked XXXX to provide me the verification method the failed to do so. As now I demand to immediately remove these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have inquries on my report that i did not authorize or gave my consent to I'm not aware of these inquiries. and they must be deleted immediately from my consumer report no later than 4 days after receiving my ftc report pursuant to 15 USC1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

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 2022-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I sent a check that was issued to me from a online Bank called XXXX XXXX it was for {$21.00}, it was issued to me through Bank of America by XXXX XXXX When I mobile deposited the check for {$21.00} at XXXX XXXX  Bank of America who is only the issuing bank for the check, the refund was actually from XXXX XXXX went ahead and bounced the check and told XXXX XXXX  that I had altered the check. So XXXX XXXX fraud department, closed my account. I just found out that years ago I had a Bank of America account and they feel like I owe them money so they skipped over any proper collection and took a check that didnt belong to them it was only mobile deposited to them through XXXX XXXX  and they were only the issuing bank but they confiscated my {$21.00} as if the check was made out to them it wasnt even anything to do with Bank of America other than the fact that they issued the XXXX refund to me. They then misrepresented everything to XXXXXXXX XXXX who promptly closed my account for fraud because Bank of America lied to them and told them I altered a {$21.00} and XXXX and check. So if banks can skip over who actually wrote me the check and just keep the money and lie about it because they feel like I owe them money from years ago that is not legal I cant be legal. Plus lying to my new bank to get it closed down so that all my money is locked up and my Social Security is locked up is extra nefarious Bank of America needs to be punished for this and they need to pay me back for damages. When I went to customer service at Bank of America, they would not discuss it with me they gave me a number for some kind of credit or bill collection place from years ago but they actually skipped over the people who issued me the check and just because it was drawn on their bank they felt entitled to take that money, lie about it, and then bounce it to 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 2022-08-29 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: AL

Complaint narrative:
The following inquiries do not belong to me and tried multiple times to remove them : 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
After opening a saving account, I learned from reviews online that bank if a fraud. It does not answer requests accurately ; invent obstacles and causes delays in answering the phones. And even when they answer the phone, they never address the problem. 

They put restrictions on my account, and I could not withdraw my fund and close the account. They kept saying they'll send a link and request a code, but nothing is what they say. They are blocking me from using my account since XX/XX/2022. 

They keep the person waiting over the phone, until he gives-up and hang-up. A very insolvent bank. Most reviewers for the bank rate them at XXXX and warn users not to use the bank. I believe the business should be closed and prevented from scamming people of their money.

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 2022-08-29 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH SANTANDER BANK IN XXXX AND IN FACT WAS IXXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to Equifax in reference to XXXX XXXX  not reporting information correctly on my credit report. 

Prior to the current complaint, I contacted Equifax via mail about the inaccuracies on my credit report, however, I did not receive a response. I requested that Equifax, verify the account and perform an investigation per the FCRA. 

On XX/XX/XXXX Equifax completed their investigation and verified that the account is accurate and being reported correctly. HOWEVER, upon looking over my credit report, it is very clear that the investigation that was performed was not done so in a through manner. There are Discrepancies between my Equifax and my XXXX reports. The late payment dates are inaccurate. 

These findings indicate that a through investigation was not conducted. I would like to view the detailed information regarding the steps and procedures on how this investigation was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: SC

Complaint narrative:
On XX/XX/2022, I received a text from my bank asking if I had authorized a XXXX transaction for {$3500.00}. I immediately responded, " No ''. I was then contacted by a bank representative who indicated that this would be investigated, that the transfer would be stopped, and that I would not lose any money. I spoke to the fraud claims person several times, or at least I thought I was talking to a Bank of American fraud claims specialist. I have call logs showing multiple phone calls to and from Bank of America phone numbers. I subsequently received emails regarding two more XXXX transfers, one for {$100.00} and one for {$2800.00}, which I also responded " No '' to. I again spoke to someone from Bank of America several times to stop these transfers and have it investigated. My account was put on hold for 48 hours while this was being done, but after those 48 hours, all but {$4.00} was taken from my savings account. All of the transfers went though, even though I did not authorize any of them. This person also requested a {$1500.00} cash advance on my credit card. I also called to stop this charge, but it went through. That charge has since been returned and deemed fraud, but the XXXX transfers have not. I have contacted law enforcement and have been assigned to a sergeant with the XXXX XXXX XXXX Office. I have spent countless hours in the local banking center trying to get help with this, but at this point, Bank of America is only recognizing the credit card cash advance as fraud, not the whole case, even though they were done on the same days, by the same person, and I said " No '' to all of the charges/transfers. I have closed all of my accounts and opened new ones, I changed my phone number. I asked to have XXXX removed from my account. I have done everything that I can to rectify this, but Bank of America is not doing anything to help me. They have not given me back any of my money, even while they are investigating, even though this has been going on for almost a month. ( The claim was first denied and then was re-opened on XX/XX/XXXX. ) I can supply call logs with dates/times/length of calls to/from Bank of America, text messages from Bank of America, emails from Bank of America, as well s documentation of the dates/times I have been at a Bank of America local office. Please let me know next steps. 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 monetary relief
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently had a background check for a new job. When I had an interview with the investigator she said that I had some debt that showed up on my credit report. I was unsure why this was so. She recommended I go to XXXX XXXX to check where the debt originated. When I was with her she said I originally owed {$350.00}, but now owed {$93.00}. When I checked out XXXX XXXX  it said I owed {$350.00} to one group and {$93.00} to another group. I tried tracking down the {$93.00} debt, but when I tried looking up the original creditor online it was no longer in service. I tried looking up the other company and got transferred to various people all with different account numbers for the service and different amounts for the debt. I have been scammed and had my identities stolen in the past, so all of this seemed a little worrisome for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, 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 2022-08-29 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: MI

Complaint narrative:
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 I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports. 
15 USC 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
No proper investigation has taken place per 15 USC 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I was awarded a {$200.00} digital mastercard for taking part in a research study earlier this year ( around XX/XX/2022 ). I have tried using it online various times throughout the year only to have the card declined. I tried calling the company only to either be put on hold and disconnected or go straight to voicemail telling me their system is down. There is no other way to contact this company and I have read other complaints online that are identical to my experience. 

My card is due to expire at the end of the month ( XX/XX/2022 ) and I'm worried that I won't be able to use the money. I even tried requesting a physical plastic card but that my request for that was also denied. 

XXXX is the website used to view the online card. 

Please let me know if there is anything that can be done. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 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: NJ

Complaint narrative:
I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX  IN XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

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