vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: AR

Complaint narrative:
I acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, Equifax, and XXXX did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$47000.00} XXXX XXXX XXXX XXXX  XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
XXXX XXXX XXXX BALANCE NO KNOWLEDGE OF THIS ACCOUNT CAUSING MENTAL ANGUISH DESTROYED MY CREDIT SCORE AND CALLING ME HARRASING ME ABOUT PAYING WITHOUT PROVIDING PROOF SIGNATURES OF ME SIGNING ANY AGREEMENTS

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Back in XXXX on Black Friday XXXX  I order T.V. 's online for XXXX using my cash app card. Up on the day it was supposed to be delivered, i notice it was deliver in Alaska I live in XXXX XXXX, Louisiana. I got in contact with the USPS they let me know that the package i was waiting on was not the size of a 75 inch T.V. I got in contact with cash app to let them know i was scam. I did that 3 times. I haven't got any respound about my money they keep saying it decine. On XXXX XXXX I reported 2 payment for a deposit for XXXX for a deposit for a car a total of XXXX. I was not suppose to send to rest of the money until the arrive, they call me asking for more money and the car was not here. I told them i was not sending more money until the car was here still have had a respound or a refund and i ask for it. I got in contact with cash app cash this was a cash app address that i sent it to and cash app once again not do anything on helping me to get my refund back. I need help on getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
On XXXX XXXX Synchrony Bank took out the full balance due on my card. I had set this up to be a monthly payment of minimum due. I now have bank fees because i didnt have {$7600.00} to cover the balance on the card they took out of my bank account. I contacted synchrony bank and they told me to contact my bank and have them deny the transaction and they assured me my account was now for SURE set up to be monthly minimum amount due, and my late fee would be waived when i am able to make the payment after my bank clears everything. 
I contacted synchrony bank 2 days later to see how long i need to wait because it still showed my balance of being XXXX due, and i didnt want this to hurt my credit for being late. 
Fast forward to XX/XX/23 1 WEEK AFTER THIS HAPPENED, they now took out the full balance AGAIN!!! of {$7600.00} which has now caused my bank account to overdraft from insuffiencient funds. I contacted synchrony bank and they told me the same thing. I feel like this is some sort of scam of taking the full amount out. I know for sure the same thing happened to someone else we know who also used this promotional 0 % interest for sleep number bed and was approved for the same card. The SAME EXACT thing happened to them. Synchrony bank said they arent liable to pay bank fees because it isnt their fault. How is this not their fault??? They took out a full amount not once but TWICE in 1 week!!!

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2023, I received an email solicitation from Fulton Bank to open a simply Checking account and spend {$300.00} across 15 transactions within 60 days to obtain a {$200.00} bonus. I complied with the terms by XX/XX/XXXX and began calling the bank and sending secure messages asking about the whereabouts of my bonus. The bank continues to give me the run around and refuses to provide answers to my questions. I have sent 4 secure messages and called the bank at least 8 times to inquire.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXX XXXX  to be removed XXXX XXXX XXXX XXXX XXXX  these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. Experian, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.

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 2023-03-14 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: NV

Complaint narrative:
On XX/XX/2023 there was a credit inquiry form XXXX. XXXX XXXX that was not mine. I called XXXX XXXX XXXX and spoke to someone who was suppose to investigate and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was pre approved of a {$200000.00} VA home loan on XX/XX/2023. 

XX/XX/2023 I payed for the inspection {$400.00}, earnest money {$1200.00}. 

XX/XX/2023 I payed {$670.00} for an appraisal. 

During the whole process they kept changing my loan team around I was given multiple agents that Handled my loan documents. Apparently there was a team that got involved and started to not approve mortgage loans because USAA had made some mistakes giving out these pre qualifying numbers. 

The whole process was very stressful and un organized. All for nothing in the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: AR

Complaint narrative:
I acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ).

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, XXXX, and Experian did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX  XXXX - {$47000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.

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 2023-03-14 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: Oklahoma Student Loan Authority
State: NC

Complaint narrative:
In early XXXX I attended an online class at XXXX XXXX  located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with XXXX and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I received a promotion from my credit card stating if I used their checks I would get a 6.99 % XXXX in bold. So I used the checks on 2 purchases on XX/XX/27 instead of using my card. I then noticed yesterday when the checks posted on my account they charged me a large transfer fee to use them. I contacted the company and they said its in fine print they would charge a fee. Everything else was in bold but that. 
I said I would pay the total in full immediately if they reversed the fee and they said the only way they would do that is if I went to the retailers bank and got the check back. They wouldnt explain how I could do that and the banks say there is no such thing. Their advertising is VERY misleading as I would have just used my card itself or paid cash. Why would I have used them if I was going to be charged.

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 2023-03-14 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: IL

Complaint narrative:
I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following creditors : 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 has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to 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 2023-03-14 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-03-14 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: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 my written instructions.

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

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 2023-03-14 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: MO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, Date of XXXX XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

Thank you for your attention to this matter. 

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 2023-03-14 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

Thank you for your attention to this matter. 

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