vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: MO

Complaint narrative:
Wouldn't help me to verify inquiries

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 2022-07-14 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: NC

Complaint narrative:
This letter is regarding account # XXXX, which TransUnion reports I have a charge-off in the amount of {$1000.00} owed to XXXX XXXX XXXX This negative mark is reflected on my TransUnion credit report. My credit report is attached for reference. Yet again, the company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. So, how can a credit reporting agency continue to display unverified and derogatory accounts? Be advised that the description of the procedure used to determine the accuracy and completeness of the information was also requested. This is a formal notice that this item is disputed once again - and has been disputed with XXXX XXXX XXXX for more than 2 years now. How can a company get away with listing inaccurate information about a consumer 's credit profile and not be held accountable to prove the source of information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a flight with the terms " non-refundable '' but " changeable with no fee, only need to pay fare difference '' on the Chase XXXX XXXX portal. This is a portal available to customers of the Chase Sapphire Preferred credit card, which has an annual fee attached to it. 

Over the past two days, I have spent XXXX hours on hold on the phone with various Chase customer service specialists, all of whom have failed to help in changing a ticket I bought through the Chase XXXX portal. The XXXX  portal is advertised as a perk of the annual fee, and does not work as intended. 

The latest call lasted XXXX XXXX XXXX XXXX, with the agent repeatedly telling me they would only have me on a brief hold, after which I heard them take the call off hold ( for about XXXX seconds ) before cutting the call and transferring me to the main automated menu ( from where I would start from scratch ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from 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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I made a online payment of {$1600.00} on XX/XX/22 through my bank bill pay to XXXX XXXX XXXX credit card XXXX That was the last day I could make a payment before Barclays purchased XXXX and accounts would be transferred to them. Barclays had posted my payment on XX/XX/22 but then immediately posted a charge for the same exact amount of {$1600.00} with a description of " / % '' in the detail line. Barclays said they have returned the payment to my bank on XX/XX/22. On my Barclays online account there are two separate payments of {$1600.00} posted on my payment history with one returned payment. So there is another payment of {$1600.00} that they have not deducted from my balance. I have contacted my bank and they have not received anything back. My bank was able to give me a Credit trace # for the digital payment. I have forwarded that to Barclays and they still claim they returned the payment and have not given me proof of the returned funds. I have been dealing with this for almost a month with no resolution from Barclays. I am also not the only one having this same exact problem. Please help

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 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have two accounts with Penn credit XXXX, XXXX. 
That does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Since at least XX/XX/2022, the XXXX XXXX Credit Card which is a Comenity Bank ( Bread Financial ) website is not available. They claimed to be doing a subsystem update that has taken longer than usual. It has been XXXX weeks now. I can not see my account statement or transactions online. There is no access to the website but the bank says they can still take payments. 

A XXXX week system update with a complete system blackout to consumers is unacceptable. It took me over XXXX min to get to customer service today and they are saying the same thing theyre said XXXX weeks ago, the system is coming up piecemeal they do not have a definitive date when customers will be able to access their accounts. 

This should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This is a resubmission of a previous complain that WAS NOT RESOLVED. The previous complaint was erroneously marked as a duplicate. 

I had a past due balance with Ally Bank that is on my XXXX report. The account has been paid off. 

I mailed in money orders totalling {$1900.00} on XX/XX/22 and they were deposited by Ally Bank on XX/XX/22. I checked my XXXX report on XXXX and it is still showing that I owe {$1900.00}. 

Please see the attached file showing proof of payment and negotiation by Ally Bank. 

I checked my XXXX report again on XX/XX/22 and the incorrect information is still there.

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 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
About a year ago I disputed a debt from XXXX XXXX and had it removed from collections then it popped back up a few months ago. I just got off the phone w the debt collectors and he advised me to report fraud as there is an address linked to that XXXX account I never heard of or resided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TX

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

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: WY

Complaint narrative:
In XX/XX/XXXX, I was on a call with Truist, the lady gave me 3 options for repayment on missed payments. We chose the deferral. 
On that call she never once said we had to be XXXX payments past due to be eligible for the deferral. So we were completely u aware, that During that time our mortgage was in jeopardy. We are XXXX payments past due which I have filled out multiple packets which truest continually says that they are not receiving information. Denied XXXX packets. 
Called the wrong number, sent it to the wrong address. I was approved for HAF funding in the amount of XXXX the funding has been sent out on XXXX XXXX. Truist returned my XXXX payment. Today XX/XX/XXXX Truist has called again. Saying they havent received the HAF funding, and there is no record!!! I am so sick of them, they have continued to screw up my loan, never once have they said the right information on any calls. My home mortgage counselor too has revived false information I am asking you to please investigate them before something happens to my home apparently all these phone calls are monitored but they cant review any of those phone calls to fix their mistakes

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 2022-07-14 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person

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 2022-07-14 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Target XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was admitted into XXXX. XXXX XXXX, locked psych ward on XX/XX/2022 and discharged XX/XX/2022. My cell phone and bag with wallet were left at my house, they're prohibited on unit. When I returned home on XX/XX/XXXX, I discovered all my personal info compromised. My cash app debit card was taken with other cards and my phone had been used to aid in stealing my money. 
I immediately contacted cash app to notify them of fraud and limit my losses. Through the app chat service they explained dispute process which I followed. In total there were 16 fraudulent charges using my cash app card during my hospital stay, totalling {$790.00}. They only credited five transactions for {$250.00} total, owing me {$530.00}. Cash App has since closed my account using a ficticious made up transaction to justify it, saying I've went against their " Terms of Service ''. I've requested the documents used in investigation several times and can't get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following accounts XXXX, XXXX, XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX XXXX XXXX Best Buy XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.

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 2022-07-14 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation