vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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:
I am a natural person, I have the right under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Company : Lowe 's Credit Card via Synchrony Bank What Happened : Synchrony Bank closed the account on XX/XX/XXXX due to slow and partial payments during Covid. The account balance was for services to be performed on a property that needed to be remodeled. When Synchrony Bank closed the account, we called to cancel the services. We could not have the services performed on the house during COVID in Pennsylvania that had enacted strict COVID protocols. Synchrony Bank asserted that we would have to cancel the services with Lowes. Lowes claimed that they could not refund the services because the account had been closed. This back and forth between Synchrony and Lowes went on as a dispute for 2 years. After 2 years of dispute with Lowes, Synchrony Bank started deducting {$5000.00} payments from our checking account without so much as sending us a bill or a resolution letter. We contacted the bank and they claimed that our original purchase of {$34000.00} was now over {$57000.00}. We started calling Synchrony and Lowes for resolution. Because we had canceled the services several years prior, Lowes refunded a cashier 's check to us personally in XXXX of XXXX for the services that had not been received for {$20000.00}. We contacted Synchrony Bank on next steps and they instructed us to send them the money and they would review for credits. Synchrony Bank received that money on XX/XX/XXXX. They claimed that they would contact Lowes. They did so but continue to debit our account for large payments towards the {$57000.00}.

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 2022-11-16 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} ; XXXX****Balance : {$35000.00}

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
hope this letter has correctly found itself within your complaints/fraud department as it is essential to me that yo become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  Trading Marketing ( the " Fraudsters '' or the " Company '' ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent " investment services '', all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the companv is a client of vours, owner of wallet : XXXX XXXX The scammers were committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX XXXX utilizing your services and under your authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am unable to get into my account and would like to reopen the dispute with jaexports I was overcharged {$1600.00} from a company and i've been fighting to get my money back. At I provided Navy Federal with documents hoping they'd be able to help me retirieve the funds. They claim was denied so I tried to appeal. Navy Federal wouldn't even try to assist and kept telling me they didn't everything they could and got denied twice. They wouldn't even take the time to appeal and use the additional documents that i acquired and said they would not appeal.i don't seem to understand why they won't appeal or even look at the additional documents provided. not only is this the second time but third time this has happened with no communication what so ever and refuses to even look at documentation. I have provided valid documentation with information as I wasn't the only one dealing with the issue of fraud. I see this company has a lot of issues of resolving fraud claims and doesn't seem to really care at all. I speak with customer service at which they seem like they know absolutely nothing because each time I get provided different answers at which just confuses me more. they say they can't contact the fraud team but when I ask again someone else does contact them and the list goes on. Navy federal makes me not want to bank with them anymore as they dont seem to care for their customers at all and I see again I'm not the only one facing the same issues with this bank. All I want is my money back for the claim filed for the third time on XX/XX/10 confirmation number XXXX in the amount of XXXX. that is all I'm asking. Information is XXXX XXXX and email on the bank account is XXXX. I want my refund / reimbursement for all this trouble As I have provided all documentation to support my fraud case and you all refuse to send me what was used to not accept the case as I have asked multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these incorrect accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX 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 explanation
Consumer complaint received 2022-11-16 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On or around XXXX XXXX my son who is a cardholder on my account set up automatic payment on the account, however, he didn't know to realize you needed to select pay the minimum due or statement balance. The system drafted from his personal checking account the statement balance of {$1600.00} dollars. When he realized that his personal checking was overdrawn he immediately contacted the credit card company and explained exactly what happen the credit card company immediately reversed the payment and returned the money back to his bank and the following day he made the payment of the minimum amount that was due. However, the outstanding balance increased on the credit card in the amount of {$1600.00} dollars bringing the total outstanding balance to {$3600.00} dollars with a credit limit of {$3000.00} dollars. I have made a total of 5 disputes with the credit card company about the outstanding balance being totally wrong. I told them if they add up all the transactions from the time the account was opened all the transactions do not add up to {$3600.00} dollars, therefore why is the outstanding balance {$3600.00} dollars? They are telling me the outstanding balance is correct and it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: GA

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ACCOUNTS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following ACCOUNTS DELETED as soon as possible : 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022

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 2022-11-16 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: MO

Complaint narrative:
I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove 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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This is a complaint regarding to Barclays XXXX XXXX credit card ( XXXX XXXX : XXXX ). Due to coronavirus, I can not go shopping by using the card. Barclays sent me a letter saying that Barclays closed this account due to inactivity. It is fine for me. However, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. It was Barclays who closed this account, not me. Therefore, I believe that Barclays should give the leftover balance to customers, instead of giving excuse of needing reaching {$50.00} to be able to redeem rewards. 

I have contacted Barclays customer service number XXXX for multiple times ; however, Barclays does not want to pay the {$2.00} remaining balance in the cash rewards by giving excuse of needing reaching {$50.00} to be able to redeem rewards. The last time was XX/XX/2022 with a supervisor named XXXX XXXX XXXX ID : XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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: IN

Complaint narrative:
I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00} ; XXXX  XXXX XXXX : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

Complaint narrative:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the late payment from this account : 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