vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$6700.00}.

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 2023-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
THEY SCAMMED ME OUT OF {$900.00} AND REFUSES TO REFUND ME FOR UNAUTHORIZED CHARGES! I DEMAND YALL REFUND ME OR I WILL SUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
From XXXX XXXX of XXXX, funds were withdrawn from my account at an atm. The bank did not notify me of these transactions that were taken from atms that has fees associated with them. On XX/XX/XXXX when an auto draft was scheduled to come out of my account for a bill, it declined due to insufficient funds. I logged into my app to see I only had about {$53.00} in my account. I immediately reached out to Bluebird by American Express to report the charges and cancel my card. I filed a dispute with bluebird which they said the investigation would take about 45 days. Less than 45 days I was sent an email that my dispute was denied and that if I wanted to request documentation of their findings I can submit a request in writing. I sent a request in writing along with a tracking number ( XXXX through XXXX ) to ensure they received it. When I called they said they never got the request but I have the tracking that shows it was delivered on XXXX XXXX XXXX. I keep filing trying to appeal their decision and request the documentation but to this day I have not got any proof. The withdrawals were not mine. I still have the card on my person and the locations were not where I am from. I have also filed police reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Had XXXX XXXX installed around XX/XX/. Canceled the service and canceled the autopay on Tuesday XX/XX/. My bank allowed this transaction and on Tuesday XX/XX/XXXX, {$480.00} was stolen from my checking account my XXXX. The service and auto pay was cancelled 30 days before. Why do I have the option to STOP a payment, if my bank is going to allow it to pay? I disputed the charges, not sure why the bank felt I was responsible, and have not spoken to the fraud department til this day??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MI

Complaint narrative:
I noticed this problem on XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Account opened XX/XX/XXXX Balance {$1100.00} Hard Inquiries XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was charged by XXXX after I was sent an email saying my booking was not confirmed or processed. I was then later without my consent charged by XXXX They refused to offer any resolution. After months of trying I contacted my credit card company and after showing them documentation supporting my claim I was offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has denied our claim that {$2900.00} of charges to our credit card were made by someone else. The reason they have denied the claim multiple times is that when we initially reported the charges, which we are 100 % certain are not ours, we indicated that both cards were in our possession. We believed this to be the case as historically this card wasn't used much and never left the house. When we searched the house for both cards we realized one was missing. We reported this information but Wells Fargo has ignored that and continues to insist the charges belong to us. I filed a police report with XXXX XXXX  and thanks to the diligent effort of XXXX XXXX, we have video proof that the card was being used by someone other than me on XX/XX/XXXX at XXXX in XXXX, GA. This thief was in possession of my card and used it from XX/XX/XXXX until XX/XX/XXXX when I realized the problem and XXXX the card. Even with video proof of another person being in possession of my card, Wells is still sticking to their original decision, which is based on both cards being in my possession. We now have video proof showing that wasn't true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern, I am writing to dispute information on my credit file. I have noticed there are unauthorized credit inquiries made by these companies listed above. To my knowledge, I have not signed documents authorizing these companies to view my credit report. These inquiries was made without authorization and for no legitimate reason. I never authorized such action and this constitue 's a violation of my right to privacy under the FCRA 604 as well as a violation of my right to privacy. 
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 2023-10-27 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: IN

Complaint narrative:
To whom it may concern, I am writing to dispute information on my credit file. I have noticed there are unauthorized credit inquiries made by these companies listed above. To my knowledge, I have not signed documents authorizing these companies to view my credit report. These inquiries was made without authorization and for no legitimate reason. I never authorized such action and this constitue 's a violation of my right to privacy under the FCRA 604 as well as a violation of my right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Hard inquiries on my account have been sitting on my account and I have no idea why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MO

Complaint narrative:
Alleged Derogatory Late payments, Charge Offs and Utilization deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and / or civil rights, making you liable up on my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} + per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MO

Complaint narrative:
Alleged Derogatory Late payments, Charge Offs and Utilization deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and / or civil rights, making you liable up on my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} + per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
NOTICE to TD Bank N.AXXXX, I, XXXX XXXX, in good faith, hereby request that TD Bank N.A. issue out a new credit card to me at my mailing address on file at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the issuer, drawer, and maker of the original instrument, I exercise my rights to enforce the instrument. SEE UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT. In the event, TD Bank, N.A deprive me of my right to my credit, I alleged deprivation of rights to life, liberty, and happiness. In addition to violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. I pray TD Bank N.A. acts in good faith, and issue out to me a new credit card with the credit limit of {$5000.00}. Thank you, best regards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.

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 2023-10-27 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: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX Balance Owed : {$3300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
It was XXXX XXXXXXXX XXXX I was to mail back the transponder and I never received a box to send it. Then they put me into collections and I never got a chance to fix it by sending it out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I currently have a PayPal rewards Mastercard issued through Synchrony Bank and have over XXXX redeemable cash points but both companies/business 's will not find a solution on how to distribute to me. I've been going back and forth for over a month getting bounced around to different representatives with the same result and both companies take no responsibility and blame the other company. I've attempted to speak with supervisors and they've opened tickets to resolve but the ticket gets closed with no resolution. The points are set to expire XX/XX/2023 and I don't want to lose the cash value due to the large amount of points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: AL

Complaint narrative:
I paid off PayPal credit thru synchrony Bank in XXXX of 2023. I paid thru my bank and spoke to synchrony Bank representative confirming they received the money transfer and closed the account as I requested. Now I am receiving harassing emails and phone calls about a balance due on this account. The account has not been used by me since XXXX I have no idea why this is occurring. I do know I don't owe them one red cent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax deliberately keeps my inaccurate information on my profile. They will NOT make changes as requested. Even when other companies report, they will not update their system. This has caused me to lose rental possibilities and credit building opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: TX

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 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: AL

Complaint narrative:
Hi, my name is XXXX XXXX and I have a loan with Sallie Mae. Their workers have been calling my family and me more than two times a day. I have called them and requested that they stop the calls but they said the calls will not stop until a payment is made ( which is currently happening ). In the meantime these calls have been annoying and persistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: MO

Complaint narrative:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; 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