vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 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:
ftc report attached I am a victim of identity theft, the informatiion on my transunion credit report regarding inquiries are fraudulent -there are fraudulent hard inquiries on my credit report that does not relate to any transactions that i have made, this is a result of identity theft. these fraudulent hard inquiries are not mine and must be removed XXXX Transunion XXXX XXXX XXXX XX/XX/2022 XXXX. Transunion XXXX XXXX XXXX XX/XX/2022 XXXX. Transunion Fraudulent Inquiries XXXX XXXX XX/XX/2022 XXXX Transunion Fraudulent Inquiries XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
XXXX XXXX XXXX Has a fraudulent loan that was placed under my name. My personal information was used without my knowledge to open this loan. Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX XXXX {$0.00} However they can provide my no data on the years leading up to the so called repossession. I have filed a report with the FTC Consumer fraud division ID THEFT REPORT # XXXX. I have also attached a copy of the ID Theft report and my identity verification documents. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}

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 non-monetary relief
Consumer complaint received 2022-11-27 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:
XXXX XXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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 been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XXXX XXXX Account number : XXXX XXXX Bal : {$15000.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XXXX Account number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX XXXX Bal : {$250.00} Creditor : XXXX, XXXX  Account number : XXXX Opened : XX/XX/21 Bal : {$260.00}

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 non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Good afternoon I'm XXXX XXXX, today at XXXX I was contacted by a XXXX user whose name is XXXX XXXX XXXX negotiate the purchase of my musical instrument whose fixed price is {$750.00}. He sent me {$750.00} receiving an email from XXXX telling me that the receiving limit was {$500.00} and to unlock the limit I would have to ask the buyer for an additional {$250.00}, he sent it to me. At that point a further email from XXXX tells me that to collect the {$750.00} I would have had to send the {$250.00} to the buyer : in the end the {$250.00} was withdrawn from my account but I never received the {$750.00} that was due to me and only later did I realize that the emails were from a fraudulent site that cloned XXXX... I asked my bank promptly to cancel the transaction, but they told me that I have to wait until the transaction is pending and then dispute the transaction warning me, however, that it will be difficult for me to get hold of my money. 
This user 's profile is still active ( XXXX XXXX ) and the email he used to collect money via XXXX is XXXX XXXX User : XXXX XXXX. 
I hope for your help especially for the fact that it is not right for these people to commit fraud against people and go unpunished! 
I am attaching the whole screenshot conversation that the scammer shared on XXXX with my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

XXXX XXXX XXXX NA XXXX XXXX XXXXXXXX XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX

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 2022-11-27 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: FL

Complaint narrative:
I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

Experian XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
So I made a donation to a teacher 's thing with my best buy card. I had a targeted {$25.00} best buy certificate with {$500.00} in spend so I decided to use my Best Buy card. 

When I logged in it said no interest with payments for 6 months. I know the best buy card is either good for no interest for x amount of time or points. Not both. I wanted the points. I have never signed up for a deferred interest item in my life. I called the number on the back of the card and got bounced around for about XXXX hours. Then got a rep that could talk to the back office but they couldn't fix it and that was another XXXX hours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was closed due to an unknown reason, with Bank of America. I ordered a new card due to fraud and I never received the new card. After a week or so, I received notifications that my account had been closed due to a check being deposited. I made the bank aware that I did not deposit a check and that I never even received my new card and asked if they could simply check the cameras to help found out who may have deposited this check. Not only did I never receive my card, the check that was deposited was not in my name. They told me they would investigate the issue, but did not. They closed my account and it would no longer allow me to open another account.

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 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX of XXXX  I found out a business had been started in my name without my knowledge of consent. This began my identity theft. In XXXX a business loan was shoved down my throat where the lenders XXXX  XXXX  obtained my username and password to my XXXX  XXXX  acct. i am mentally XXXX and on XXXX XXXX  XXXX  and in no mental state to make any financial decisions on my own. I dont even remember agreeing to anything honestly. {$5000.00} was put into my XXXX  acct and then quickly removed. I attempted to call them to see what had happened and received no response. The next day my bank acct was closed due to suspected fraud and multiple ip sign ins from not only me but from New York and XXXX. In XX/XX/2021 I went to send money from my Cash App just to be told I had no funds available in my acct. this was inaccurate because I had over {$500.00} in there. When I contacted Cash app I was told that a XXXX  XXXX had been put against my acct to collect BUSINESS RECEIVABLES despite the fact that this is a PERSONAL ACCT that collects no business receivables because I had no business. I was told to contact XXXX XXXX XXXX  which I did and they demanded copies of all bank statements and that I pay {$14000.00}. I advised them that I saw none of this money and that I am XXXX and own no business. I have made dozens of attempts to get my money out of the XXXX XXXX XXXX XXXX totaling {$540.00} but they refuse to acknowledge me and tell me they are escalating the case and that Id get a response via email. However, when they do respond I get the same exact email everytime and when I respond to the case XXXX MINUTES LATER, they send another email saying that since I havent responded in 3 days they are closing the case. This has happened over XXXX dozen times in the last year. In addition, XXXX months ago cash app notified me that they were closing my accts due to illegal gambling. I havent been able to move a XXXX in my accts in OVER A YEAR! They also gave me the option to cash out my money but when I try to do that it says this cash out has failed and now they locked my accts. Ive just recently tried again to contact them and Im still getting the run around. It has been 13 months of this now. They still will not release my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: GA

Complaint narrative:
Since using Cash App direct deposits to receive my paychecks, they have taken {$59.00} out of every paycheck Ive had direct deposited into my account for a total of {$880.00} when under their terms theyve acknowledged and provided a public document stating there are {$0.00} in fees for direct deposits and no fees should be taken from them. There is XXXX percentage rates or fees for anything other than their instant money transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my XXXX credit report that I dont have an account with. The account looks like its with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CA

Complaint narrative:
/I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XX/XX/XXXXAccount number : XXXX Opened:XX/XX/XXXXBal : {$15000.00} Creditor : XX/XX/XXXXXXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XX/XX/XXXXAccount number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX OpenedXX/XX/XXXX Bal : {$250.00} Creditor : XXXX, XX/XX/XXXXAccount number : XXXX Opened : XX/XX/21 Bal : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my account without any explanation or release of my funds, they won't even tell me what my balance was at the time it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AL

Complaint narrative:
In XXXX or XXXX I applied for a XXXX XXXX XXXX with a {$200.00} security deposit for discover and in XX/XX/2022 I received an email stating that I had graduated from the secured credit card to a regular credit card and that I would receive my security deposit of {$200.00} back. By XXXX the XXXX I had still not received my check so I reached out through online chat messaging to discover inquiring about my check they said that they had sent the check out and that I should receive it between XXXX to XXXX XXXX XXXX by XXXX the XXXX I still have not received my check so I reached back out to discover and was informed that they would have to do a stop check and reissue a new one that it would take XXXX XXXX for that to occur and then another XXXX XXXX for me to receive my check and that if I had not received it by XXXX the XXXX that they would do a refund to my debit card I spoke with someone from discover today on the phone and was informed that my check still has not been sent in the mail because of XXXXXXXX XXXX and I am getting a little concerned that they're not trying to give me my security deposit back so I looked online and have seen countless other people that is going through the same thing that I'm going through right now and they still haven't received their security deposit back as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: FL

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 XXXX XXXX Account name : Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-27 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: FL

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 : 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 XXXXXXXX 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 2022-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
It started in XXXX, with Sallie Mae, when I was attending school & had to defer due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My co-signer & I were unable to afford my payments at this time & they would not work with us to help us find a repayment plan that would be feasible at this time. We opted to use the 6 month forbearance period. Fast forward to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. Sallie Mae immediately started repayments 2 weeks after graduation. When I asked why this was, as most loan providers allow you to have 6 months before repayments start, they stated that I had already used that period when I needed to defer from college the first time, so I needed to start paying. I explained to them that this was not feasible as I had not even taken my XXXX  yet & did not begin working. They basically said that I needed to find a way to pay them & if not, too bad. At this time, I chose to do a 6 month period of just paying the interest rate for my loans which varied between XXXX  XXXX {$490.00} as the interest rates are around 12 %. The payments after those 6 months increased to about XXXX XXXXXXXX {$550.00} which was somewhat affordable due to me working at this time. Now, the payment due for XX/XX/XXXX, has jumped to {$730.00} as the interest rate of my loan was raised to 14 %. When my co-signer & I spoke to the company when we chose to just do the interest rate payments for a few months, they stated that the interest rate would continue to go down as I made on time payments ( which have all been on time in the last 5 months ) but this has proved to be untrue. 14 % as an interest rate is absolutely absurd & something that I am unable to afford & the company will not work with me with. Unfortunately, most places will not allow you to refinance for at least a year after making on time payments, & I will never be capable of paying these loans off regardless of paying extra monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation