vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On Thursday XXXX XXXX I deposited my United States Treasury, VA XXXX XXXX XXXX, in the amount of {$2000.00}, in my Ally bank checking account # XXXX I got home I went online to make sure the deposit was correct, I found out my funds would not be available for XXXX XXXX, until XX/XX/year>. I can't live for a week without money, I called the bank and asked if they would release the funds sooner, they refused.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I traded in my XXXX XXXXXXXX XXXX XXXX on a new vehicle. Ally Financial reported it as written off in bankruptcy which is not factual.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently tried to resolve the fraudulent, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my daily life, resulting in substantial emotional distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 consistently tried to resolve the fraudulent, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my daily life, resulting in substantial emotional distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These records have severely disrupted my life, leading to considerable distress. I must emphasize that I never sanctioned or agreed to have this information associated with my identity, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: NM

Complaint narrative:
I applied with Transform Credit for a loan. I checked online reviews. Seem legit. I filled out application. They needed my account information for deposit. From my loan payment {$5.00} will be added to a credit file to build my credit report. During the whole process they did not mention I needed a co-signor. I was denied the loan and now they withdraw {$5.00} from the bank account the deceptively gotten. It was very deceptive business practice. No loan and they get {$5.00} Every month. Win for them, loss for me. Very unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I borrowed a significant amount of money to invest in what seemed like a legitimate opportunity since it did provide some immediate payback. Very quickly it spiraled into escalating payments essentially holding my money captive contingent on the deposit of more funds. It started as a text offering a XXXX XXXX  opportunity, then moved to XXXX. I was asked to convert USD to XXXX cryptocurrency and use that for deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Customer Service Issues with Synchrony Bank XXXX Amazon Credit Card ). I am having with Synchrony Bank, the issuer of my Amazon credit card. 

I have recently encountered several problems that have made it impossible for me to manage my account effectively. These include : Inability to XXXX Customer Service : I have been unable to reach a representative by phone. 
Chat Function Unavailable : The chat function on the Synchrony Bank website is also unavailable. 
Password Reset Issues : I am unable to reset my password online, further hindering my access to account information. 
This complete lack of communication is unacceptable. To make matters worse, despite these access issues, I have received a notification from Synchrony Bank indicating a late payment on my account. 

This situation is incredibly frustrating and reflects poorly on both Amazon and Synchrony Bank. It is clear that Synchrony Bank is not providing the level of service expected by Amazon customers. 

I urge you to take immediate action to address these issues with Synchrony Bank. This includes ensuring : Readily available customer service representatives via phone and chat. 
Functional online account management tools for password resets and other tasks. 
Communication and support for customers experiencing account problems. 
A strong partnership requires reliable service from both parties. Synchrony Bank 's current performance is a significant detriment to the customer experience and damages Amazon 's reputation. 

Thank you for your prompt attention to this critical matter. 

Sincerely,

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 2024-07-15 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Florida XXXX Re : PNC Bank stole {$400.00} cash from customer of a deposit of {$2200.00} cash PNCBANK XXXX XXXX XXXX XXXX Florida XXXX PNC BANK Teller crossed out the cash amount of {$2200.00} and wrote in {$1800.00} without my knowledge The manager, XXXX XXXX checked the date of deposit, XX/XX/2024 and said there were no shortages or additions at the end of the day. She checked the video as well. Result was, that she indicated that I miscounted the cash. I requested some kind of verification for the complaint I made. She simply said, Its in the system. I tried to follow up with the XXXX, Pa branch by phone and they gave me the same answer, I miscounted my cash. 
I withdrew my money and proceeded to close the account. 
Due to health issues I was in able to investigate further. 
After closing account and repeating my complaint I was finally given a verification # XXXX. 
The bank teller stole {$400.00} plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XXXX XXXX admittedly charged us improperly ( totaling {$1000.00} ) on our Barclays XXXX XXXX AAdvantage Aviator Mastercard on XX/XX/year>. I have spoken to several representatives on the XXXX XXXX XXXX XXXX line and all have said we are due compensation however they can not issue the refund and only the refund department can do that. The XXXX XXXX XXXX department is non-responsive so we tried to dispute the charge through the credit card company. When filing the initial dispute with Barclays the representative told me it is very difficult to dispute a charge with the affiliate who is branding the card. I asked for the dispute anyways. Barclays sent a letter with the case numbers ( XXXX {$620.00}, XXXX {$620.00}, XXXX {$35.00}, and XXXX {$35.00} ). The letter stated a dispute XXXX was assigned and they would reach out if they needed more information, nowhere in the letter did it provide a way for me to submit information. Seven days later I received a notification in my credit card online account that they closed the dispute due to me not providing them information. I called to ask why nobody ever contacted me and they said the only way to reopen the dispute is to fax or mail in a request to reopen the dispute. I faxed the request in with details of all the ticket numbers and amounts and they still refuse to reopen the dispute. They are clearly not disputing it because it is a co-branded card with the merchant. I have copies of all the letters received, notes from my various calls with XXXX XXXX customer service reps which have all of the reservation and ticket numbers, and finally an XXXX spreadsheet accounting for the improper charges.

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 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX were contacting me for a medical bill that was due to a car accident in XXXX of XXXX. The hospital never took my insurance information ( 100 % XXXX Veteran with full VA coverage ). Due to the nature of the accident I have an attorney and the case is in litigation currently, suing the other party. All medical providers who provided me with a bill were instructed to send the bill to my attorney so the law firm would pay it due to the suit we were filing. Hospital was told this Atleast 10 times before they sold the debt to XXXX XXXX recovery. Central states then called me multiple times a day for months, from XXXX XXXX XXXX. I told them a few times to send anything to my attorney as it was in litigation. After 8 attempts to tell them to contact my attorney and send the bills to them, I asked them to stop contacting me. Then without notice, and with the case still pending, my credit report now has a collection from them added to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting 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: PA

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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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 2024-07-15 00:00:00
Product: Credit reporting 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: PA

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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation