vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a too good to be true item online. The seller immediately charged my Capital One credit card for the item which carried the " XXXX '' banner and sent an official looking email with all the correct XXXX logos and contact numbers stating to log into my XXXX account for information on shipment status. I do not have an account with XXXX. I emailed the " merchant '' on XXXX different occasions with no response. I filed a claim with CapitalOne twice and they said they have closed the case and the charge of {$96.00} was reinstated to my account. They said I need to contact the merchant and work directly with them. I filled out Capital One 's form and told them twice there was no way to contact the merchant. 

I am wanting CapitalOne to deal with this and return the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CA

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. 

Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # 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 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 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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. 

Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXX, XXXX, # XXXX, XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2023-05-30 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: Netspend Corporation
State: FL

Complaint narrative:
I have tried to use my rewards card from XXXX. You are able to obtain it when you buy cashback your phone through XXXX XXXX. I had obtained {$13.00} on my account and redeemed it as a virtural card. I have tried for almost a year on and off unable to use it. Then I noticed they charged a {$5.00} inactive fee. I have been unable to use it because of them. After multiple phone calls I have gotten nowhere.

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 2023-05-30 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: AL

Complaint narrative:
The account is listed as a charge off and purchased by another debt collector. Im different amounts stated XXXX and listed on my report as XXXX. Which is in accurate.

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 2023-05-30 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: AL

Complaint narrative:
The account is listed as a charge off and purchased by another debt collector. Im different amounts stated XXXX and listed on my report as XXXX. Which is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, Bank of America deposits into my account {$6700.00}. But the actual claims was {$19000.00}. I'm still short around {$12000.00}. The Bank of America still has my fund in the amount of {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: LA

Complaint narrative:
These inquiries were obtained without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: PA

Complaint narrative:
I was told by a creditor directly that they can not verify my old debt account, and they implored me to dispute it through Experian and that the dispute should drop the report because there is no way the account can be verified. We spoke directly to several managers at XXXX XXXX and XXXXhey were very nice, and helpful to the point where they did inform me to dispute it, and that they would make a notation, and when the dispute came through it would be a non-verified. Lo and behold, Experian claims they verified and updated it. I don't beleive they did. How coule they when my direct correspondence with the creditor could not verify it? I don't believe Experian verified this account, even though they said they did.

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 2023-05-30 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 been trying for MONTHS to get my credit in line with not much being accomplished. Creditors or Bureaus have nothing to gain by reporting the correct information. All XXXX reports are different, stating different inquiries account open or closed and I actually GIVE UP. Ive done my best to get fixed what I thought I could but no one cares. Again, my credit doesnt affect them. Im done submitting, waiting, etc. You can close open disputes from me on any account with any bureau. I can only bang my head against a wall for so long. I guess Ill pay for any mistakes I made as a single parent with a son diagnosed with XXXX XXXX XXXX at a young age that set me back. Ill never recover from keeping him alive, but I did my job as a man raising a child alone. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter in the mail for synchrony home issued by synchrony bank. I have not personally applied for any products or services through this company. I went in to buy a product from a conns and was told that my credit would be pulled for the application. I was unaware of my credit being pulled a few times in order to receive a product. I was not notified by the employee. However, after contacting synchrony home I discovered that my credit had been pulled a few times resulting in the letter I received in the mail.

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 2023-05-30 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: AZ

Complaint narrative:
I have been having identity theft on my credit reports I been disputing them. N telling them I want original contract and that it's fraud and it doesn't take it off it says accurate when it's not. I didn't even have that address it says I lived at and it still won't take it off. 

Also I had a freeze on my credit yet it kept putting stuff that I didn't do on my report even inquiries pls help 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 2023-05-30 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: AZ

Complaint narrative:
I have been having identity theft on my credit reports I been disputing them. N telling them I want original contract and that it's fraud and it doesn't take it off it says accurate when it's not. I didn't even have that address it says I lived at and it still won't take it off.

Also I had a freeze on my credit yet it kept putting stuff that I didn't do on my report even inquiries pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE A TON OF UNAUTHORIZED INQUIRES REPORTING ON MY FILE THAT NEED TO BE REMOVED.

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 2023-05-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My son, is a card holder on my credit card account with Citibank. While he was taking a trip in XXXX, he used the credit card for all of his purchases. 

There are 3 charges on the card that were not authorized and are fraudulent. They are additional charges from places that he did have valid charges with. 

Upon receiving the statement and going line by line with XXXX, we quickly realized there were 3 so called purchases that he never made. I filed a dispute online on the the Citibank website. 

They came back quickly and said they were not removing the charges, that since XXXX had the card in his possession, these were valid charges. 

I escalated this on XX/XX/XXXX with XXXX and they reopened the file. Today ( XX/XX/XXXX ) I received an email that they have investigated and that these are legitimate charges because they were made with the chip in the card while XXXX was still in that country. 

Again, there is no doubt in my mind that when the card was used in a store, they used the same card/chip to create fraudulent charges. I'm told this is not an unusual event, especially to happen to an American tourist who clearly does not speak the language. 

It doesn't happen often but I have had had fraud happen on my credit cards from time to time, even when the card is in my possession. I have never had such a difficult time as I am having with Citibank to do the right thing. 

There are 3 charges that are fraudulent on my XX/XX/XXXX statement XX/XX/XXXX XXXX XXXX for {$3100.00} ( there were 2 other charges at this establishment that are legitamate. 
XX/XX/XXXX XXXXXXXX XXXX for {$2300.00} XX/XX/XXXX XXXX XXXX for {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is XXXX XXXX. 
I had Amex credit card in XXXX Reference number XXXX. Sometime in XXXX based on the statement I made the final payment to Amex and requested to close the account. 

In XXXX XXXX when I got a call from a collection agency that my account is in the collection. I went to Amex to understand why it's in the collection. They said that your account is closed with the remaining balance. 

I logged a complaint with AMEX to check my previous statements and check why there is a remaining balance. Since the account was closed they didn't have access to statements and requested the back office to send paper statements. 

On going through the previous statements we figured out that there was a balance of {$10.00} which was not paid after I paid my last statement. And due to a late fee and interest has increased to {$300.00}. 

I made a request to AMEX to consider the payment towards the balance or let me know how to address it. They understood the issue and assured me to take care of it without any need for payment. 

In XXXX XXXX Amex seems to have taken care of the balance as my XXXX XXXX jumped XXXX points and I was not seeing any Amex account on my credit report. 

During the last 4-5 yrs I have taken multiple mortgages and car loans but on none of the reports it has appeared. However, today when I am applying for a Mortgage with XXXX, the Amex balance is still showing on my credit report. 

For the last two days, I have been on multiple calls with Amex and multiple departments but they haven't been able to address the issue that is why after getting assurance from AMEX in XXXX XXXX that balance will be closed I have {$450.00} in balance and it's showing in my credit report. 

Also surprisingly they closed the account twice once in XXXX and again in XXXX after I logged a complaint. But adding {$100.00} to the balance before closing in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
I have repeatedly contacted all 3 Reporting agencies advising them on erroneous errors on my Credit Report including names, addresses, and accounts that are not mine.

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 2023-05-30 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: LA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from Equifax. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was a victim of credit fraud when I was traveling overseas. My credit card from bank of america was stolen when I was in XXXX. I had contacted the bank and reported that the card was stolen and was used by somoeone else, and closed the account right away. Bank of america opened a claim in ( claim number XXXX ). However, they denied to provide a claim stating that I did the charge which is not true. 
Bank of america did not do a proper investigation, and the charges after XX/XX/XXXX are not mine. I explained multiple times to bank of america, to many representatives that my last transaction was in the amount of {$7.00} on XX/XX/2023 at XXXX XXXX. 
To my surprise, they did not return me the funds which were charged after that transaction. The total charges add up to over {$770.00}, and bank of america did not cover the liability they are supposed to cover. 
I am asking you to interfere and ask bank of america to do a proper investigation and return me the fraudulent charges which are not mines.

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 2023-05-30 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: AR

Complaint narrative:
In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30 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: PNC Bank N.A.
State: FL

Complaint narrative:
To whom it might concern : My Name is XXXX XXXX, I would like to file a complaint due to a huge mistake PNC bank did which affect severely my credit score from XXXX to below XXXX hundreds. 

Here are the facts : I bought in XXXX an XXXX XXXX XXXX at XXXX XXXX XXXX XXXXn XXXX Florida, a year later, I traded in the car for another XXXX  at the same dealer. The dealer payoff the debt to PNC Bank. 

PNC Bank said that they sent me many letters since there was an outstanding payment, by the way, the payments since day one was under the autopay system. Also, I moved from XXXX, Florida to XXXX, Florida in XX/XX/XXXX. 
PNC bank never sent me nor called me to arrange the outstanding Payment once I saw my XXXX XXXX down, I found out the reason, the reason was that PNC Bank reported as a delinquent account without letting me know, after many months of a horrible service from PNC Bank, and talking to more that 10 employees, finally I got a letter saying that it was paid off. Also, I sent them a payoff letter from the dealer. Today another employee called me saying that the payment wasnt done. I paid to avoid keep on damaging my credit. I am attaching a pay off letter from the dealership, you will see that the dealer overpays the paid off and return a check to my old address, you can check my XXXX XXXX and I have never ever missed a payment. 

Please remove all the damage that was created by PNC bank if you need further info, please contact me. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief