vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/XXXX my Comerica account was caponized in the amount of {$890.00}. The individuals who scam me removed my money from Comerica to XXXX XXXX  then over to bit coin. there were 4 transactions in the amount of {$50.00}, {$290.00}, {$490.00} {$50.00} totaling {$890.00}. 
Comerica bank closed one account and opened a new one and asked me to make police report I did and submitted it to the bank. 
Comerica refunded me {$890.00} and then took the hold {$890.00} back. Which but me into a hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB paypal XX/XX/2021 hard inquiry fraud inquiry never applied for this credit/loan

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 2022-10-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, XXXX, TRANSUNION and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, XXXX, TRANSUNION has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.

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 2022-10-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, Equifax, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, Equifax, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
I've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.

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 2022-10-12 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: Lendmark Financial Services
State: CA

Complaint narrative:
Lendmark checked my credit report without my consent. 
told no hard inquiry will be done then it made credit check on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened several accounts with XXXXXXXX XXXX around XX/XX/2022. After 3 weeks or so after using my Ally Bank account to transfer money to my XXXX account totaling XXXX USD my accounts were placed on Restricted Mode pending an Identification Process. I submitted pictures of my State ID as well as my Cell Phone bill due to it being the only utility bill I had, as well as a correspondent between me and the XXXX Office of the Comptroller, to better prove I am who I say I am but I was told that that was unacceptable. I have called the bank several times to retrieve my funds only to be told that they would write it off which would cost me to lose my XXXX that is being held in the account. They claim the only other method would be to call Ally and have them issues a recall. I was told this method on several occasions and even told so in an email correspondence between me and XXXXXXXX XXXX. I would them contact Ally Bank and explain what occured to which they also told me the only option would be a recall. The recall was performed and a total of around XXXX XXXX  was recalled against my XXXXXXXX XXXX account. The recall would go through but around the week of XX/XX/2022 the XXXXXXXX XXXX  would get charged against my account. I would call Ally Bank and they would attempt to infer that despite me explaining to them what happened and them agreeing that it rally was necessary, even after both Bank parties suggested and recommended it, that the transaction was done in " Good Faith '' and after I would argue that they would attempt to claim it was a different transaction then the recall. On XX/XX/2022, I would login to my account to see the second recall was also charged against my account. I have reported this to the FBI as wire bank fraud due to it seeming as a coordinated scheme to fraudulently charge my account and cause it to get closed. From the unjustifiably XXXX account freeze, to the suggested recalls, and the attempts at committing wire fraud by overcharging me on fraudulently charges. I especially asked if that is what they are doing and they would say no and then turn around and do exactly that.

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 2022-10-12 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: PA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-12 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
In XXXX of this year, my wife and I visited XXXX, XXXX for our honeymoon. We stayed in a XXXX  all-inclusive resort, and were asked if we would like to tour the property and receive a free breakfast and a gift certificate to the on-site spa. They said it was not a sales pitch, it was something that they offered guests who were interested. We agreed, and took part in the tour the first morning of our stay. The breakfast ended up being the normal buffet, which is always free anyway, which made us a bit suspicious. At the end of the tour, we were taken into a room to receive our spa certificate, and they began trying to sell us a vacation discount club membership. We declined multiple times. At this point, it had been five hours, even though they had told us the entire tour and breakfast would last for an hour total. After receiving multiple discount offers to join the club, we finally agreed, thinking we would simply cancel the membership once we were back from the trip. We were told there was a 30 day cancellation period. They then brought an XXXX with dozens of places that we were supposed to sign. The employee held onto the XXXX, and scrolled through it quickly, telling us to press a button in each spot they wanted our signatures. We both felt extremely uncomfortable and pressured throughout the experience, and were often unclear about what was happening due to the language barrier. We tried to stand up and leave three times and were stopped at the door and taken back to our seats each time. After returning to our home in Tennessee, we reviewed the login information we had been given and got online to cancel. At this point, we found that they had opened a credit card in our names at Barclays Bank, and had been charged {$2000.00} USD. We contacted every company involved, with the vacation club refusing to cancel our membership, and Barclays telling us that they would investigate. A couple of weeks later, we were contacted by Barclays, and were informed that we were required to cancel the membership within 5 days of signing, which we did not do ( again, we had been told 30 days ), and that they would not be cancelling the charge, and that we would continue to be charged monthly. We feel completely taken advantage of, have never used any of the " benefits '' of the club, and have been trying to get out of it since the very beginning. 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 monetary relief
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account 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 2022-10-12 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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX with acct # XXXX was removed from my XXXX report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & TransUnion multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} XXXX shows : {$0.00} TransUnion shows : {$35000.00} XXXX was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX TransUnion violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified TransUnion and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX TransUnion Complaint ID : XXXX This can be tailored to XXXX Complaint ID : XXXX ON XX/XX/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 2022-10-12 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: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX  with acct # XXXX was removed from my Equifax report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & XXXX multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} Equifax shows : {$0.00} XXXX shows : {$35000.00} Equifax was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX XXXX violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified XXXX and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX XXXX Complaint ID : XXXX This can be tailored to Equifax Complaint ID : XXXX ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, my name is XXXX XXXX and Im sure youve been getting a lot of complaints from Bank of America customers regarding their AAA advantage card. I went to use my card yesterday and unbeknownst to me, it was declined. I figured there was an error in reading the chip at the grocery store so I just used another card and didnt think much of it. Then when I went to pay my bill today ( because it is the due date ), I noticed there was nothing to pay as there was no account information on the Bank of America app. When I called the customer service number I was informed XXXX XXXX bought out this card. I received no letter in the mail, no email, and didnt read anything about this on the Internet. I have yet to receive a card and the guy on the phone today ( who was not helpful at all by the way ) told me I should get it by the end of the month. He had nothing to say when I asked him several times why I was not notified regarding this change and customers should not have to swipe their cards to just be declined without knowing the reason why. I now have no access to my old statements, can not use my current AAA credit card until I have a new one, I have no access to pay bills online since I dont have a card to connect it to, and I would like information on how to transfer my balance to another lender who I have been with for years. I find this extremely unprofessional that Bank of America did not notify their customers, or XXXX for. that matter. Ive been a card holder with BOA since 2008 and its frustrating to say the least that we were not notified. The customer service representative seemed to have no information and I only got one Im sorry for the inconvenience out of him at the end of our conversation when he tried to make excuse after excuse not answering the questions that I asked him. Terrible! One very unhappy customer!

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 2022-10-12 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: TN

Complaint narrative:
XXXX, Equifax and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TN

Complaint narrative:
XXXX, XXXX and Experian is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

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