vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account was fraudulently opened in my name. When I discovered it, I immediately reported it to the bank and was sent a fraud claim. I was sent a form and sent the form to the bank via email on XX/XX/ provided by their customer service number listed on the claim form. I submitted a complaint after one month with no response and again sent the documentation on XX/XX/ after someone from the bank contacted me to claim they did not receive it. It is now two weeks after submitting the documentation and 2 months after submitting the first time and I still have not received acknowledgement of receipt of information from the bank. They have also sent a letter threatening to impact my credit score because of their inaction.

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 2023-08-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I leased a new Hyundai SUV for 36 months that got totalled in the XXXX month of the lease. My insurance company paid off the car but the total payments maid to HMF are more than $ XXXX more than the cost of a brand new like SUV based on the total amount paid by me towards the lease and the check sent by my insurance company. My insurance company has informed me that XXXX should have refunded me the overpayment that totals approximately XXXX more than cost of the new car to replace the one that was totalled. XXXX is refusing to refund me that amount citing a clause in the contract that stipulates that any and all insurance proceeds are the property of XXXX. This is not industry standard per my insurance company and XXXX is being unfair and unethical in their conduct regarding this practice.

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 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/2020 I requested that my current account because it states on my receipt that it was closed but it never was closed. My stimulus checks went into the account account hadnt been touched for years and I will send it in XXXX for transactions were made each XXXX/XXXX dollars and I never made these purchases, I didnt even know that account was still open current bank has it under investigation when it was negligence on their part they shouldve closed my account and never left it open so now Im stuck here waiting and waiting and waiting for them to get a hold of these people, and I try to get a hold of the people that the purchases were made And I cant even get a hold of. They dont have a phone number or address not even a location.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX AND XXXX, XXXX, EQUIFAX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXXXXXX XXXX AND XXXX, XXXX, EQUIFAX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXXXXXX XXXX IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
XXXX acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  CARD AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXXARD AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.

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 2023-08-11 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: AZ

Complaint narrative:
There is a fraudulent account that was verified as accurate by XXXX and Transunion. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by XXXX and Transunion could not be accurate because I was unable to get a verification of my SSN used on the original application.

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 2023-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
There is a fraudulent account that was verified as accurate by XXXX and XXXX. I have not done any business with Bank of America, but there is a credit card that was opened in my name. The investigation done by XXXX and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I reviewed my yearly free XXXX credit report on XX/XX/2023. I noticed the company Discover Financial Services was making a " soft inquiry '' on my account every month, for almost the past two years!! I have never applied for one of their credit cards. I do not have an account with them. I have no idea why they chose my account ( how many people are they doing this to? ) I called Discover Financial @ XXXX. I patiently had them connect me 4 times to 4 different people regarding my request to cease making unsolicited inquiries on my account. I also wanted to know why they are doing this. They said I needed to call XXXX. They would not assist me further. 

XXXX  @ XXXX stated I would need to put a " freeze '' on my total credit account only to be opened with legitimate inquiries later with a " PIN code. '' They could not help me with the request to have this company cease and desist with soft inquiries monthly. I am thinking XXXX receives funds from the company to allow them to do this, and this may be the motivation to continue this practice that feels like an invasion of privacy. Can you help??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: Global Lending Services LLC
State: CA

Complaint narrative:
XXXX5 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: NV

Complaint narrative:
I have called numerous times in which it is hard to get a hold of the company taking over an hour to reach someone. I had filed a dispute on XX/XX/XXXX with the company for a criminal background check including negative information over XXXX XXXX XXXX. They did not send anything via mail or email, regarding the opened the dispute. They also never informed me the dispute was finished within 5 days. I had called back XX/XX/XXXX to make sure there was a dispute filed and they said there was one and completed. Nothing was changed and I specified the right to not have anything negative reported over 7 years under the FCRA and they are to uphold that. They told me the employer asked for lifetime criminal background which is against my consumer rights. I opened another dispute with the background check onXX/XX/2023. I did not receive any email or letter saying a dispute was in progress at that time either. I called again XX/XX/ to see about the new dispute and again they said it was completed. Nothing was changed again. I advised them violating my consumer rights with the FCRA and the company just keeps hanging the phone up on me with no resolution. On the background check they have a search period of 7 years but still included arrests and convictions past that date. They also included the summary of rights and violated those rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: MN

Complaint narrative:
Equifax will not delete or update the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all hard inquiries not initiated or approved by me ) UPDATE OR DELETE THE FOLLOWIN ACCOUNTS AS THEY CONTAIN UTILIZATION INFORMATION ( 15 usc 1681 a 2 A i excludes listings of transactions and experiences ) ALL ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: MD

Complaint narrative:
My issue is that Synchrony Bank  Lowes Credit Card is not living up to their advertising of purchase protection on item place on their credit card. I have repeatedly filled disputes which have been immediately closed with any investigating. 

On the below dates I purchased Kitchen Cabinetry from LOWE 'S HOME CENTERS, XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX in the total amount of {$25000.00}. Of which {$7000.00} was placed on a Synchrony Bank Lowes Credit Card. 
XXXX Total amount {$23000.00} {$5000.00} Charged to Lowes Credit Card XXXX Total Amount {$2000.00} all of which charged to Lowes Credit Card The Kitchen Cabinetry had major defects on nearly every door and draw front. It also had numerous other defects. I brought the defects to the attention of Lowes starting XX/XX/XXXX. There has been an email chain exceeding 80 emails. I have provided in person evidence of the problems. 40 + photos. Lowes and the cabinet manufacturers made a site visit and acknowledged the issues and promised to resolve them. There have been countless promises to resolve the problems in person, verbally by 6 employees and in writing. I have spent countless hours documenting and providing information to Lowes and the credit card company. The last official response from the local store was on XXXX where XXXX XXXX stated they were contact with the vendor regarding compensation for the cabinets. And they look forward to getting this taken care of promptly In addition at the suggestion of Synchrony Bank I have made 3 complaints directly to Lowes Corporate see below. Again, lots of promises but no follow-up.

Synchrony Bank Credit Card Disputes- Ignored In XXXX of XXXX I filed the 1st of 5 or 6 disputes with Synchrony Bank Lowes Credit Card for the amount of the cabinetry placed on their credit card. The first 4 disputes were closed stating that the Store was working with me to resolve the dispute. I repletely explained to Synchrony Bank that they were not and provided email documentation. Every time they closed the dispute, I would call them to explain that they were not working with me. They would say no problem and tell me to reopen the dispute. The last 2 times I reopened the dispute in XXXX and XXXX of XXXX they have closed them stating I have not provided any addition information. 
They advertise their credit card to have purchase protection yet they are not even attempting to honor that or assist me in any kind of resolution. Please help. This is all just wrong. I dont have money to fight this with a lawyer but I will if I have to. 
XXXX XXXX XXXX Corporate Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employee # 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 monetary relief
Consumer complaint received 2023-08-11 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take into consideration my delayed payments during the pandemic period. I was unable to pay on time as I was without work during that time. I earnestly request your understanding and request to settle this matter.

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