vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
we are a small business and recently had a email fraud committed at our account. We discovered that we had transferred a significant amount to the fraud U.S Bank account.

As soon as we discovered, we filed complaint with the FBI and was able to freeze the accoun and the funds. Now the funds are at the U.S Bank and we inititated the recovery process. Inspite U.S Bank confirming that a ) the bank account is fraud and b ) the funds are frozen and still at the fraud bank account, are not returning the funds. It has been almost 2 months and the U.S.Bank refuses to remit the funds bank.

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 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2022, someone was able to log into my Venmo account and send {$100.00} using " payment between friends '' functionality to a user XXXX XXXX ( handle @ XXXX ) transaction ID : XXXX Once I saw unauthorized transaction on my bank account, I called Venmo right away and was told by customer service that I could not dispute fraudulent transaction, as it was considered by Venmo as " authorized ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I never ask for this card never received this card. Its not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: WI

Complaint narrative:
In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.

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 2022-04-11 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: WI

Complaint narrative:
In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the data last if the open date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S. C 1681 SECTON 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 account without my written instructions.

Also the credit bureaus took more then 30days to complete my investigation here is my certified mail tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
This was for not returning equipment. When I learned of it previously from my credit reports I made arrangements and returned the equipment ( cable box ). The collection was removed from my report. Then, all of a sudden it appeared back on my report a couple of years later. This is an unlawful collection and the company should be made to indemnify me for my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent the following letter to Citibank. I have not yet received a response and am still being charged fees. I want all these fees refunded and the issue fixed so it does not recur. 
Citibank XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Hello, I am writing because I have been completely unable to get any assistance for my issue by phone or by chat. My accounts are under routing number ( REDACTED ) ( ACCOUNT 1 ) ( checking, ) ( ACCOUNT 2 ) ( savings, ) and ( Account 3 ) ( savings. ) In XXXX, when I opened these accounts in the basic banking package, I was informed that I would pay no monthly fees if I maintained combined balances of {$1500.00} or higher in linked accounts. ( ACCOUNT 3 ) has had over {$2500.00} in it since it was opened. However, on XX/XX/XXXX and on XX/XX/XXXX, account ( ACCOUNT 2 ) was charged {$4.00} for monthly service fees, and on XX/XX/XXXX, account ( ACCOUNT 1 ) was charged {$12.00} for monthly service fees. This most recent charge caused the account to be overdrawn, resulting in an additional {$34.00} fee. None of these fees should have been charged in the first place. In addition, I am quite concerned this scenario may repeat itself in the future. Unless all these fees are removed from my accounts and I receive a guarantee that my accounts are properly linked and such an issue will not recur, I will be closing all my accounts with Citibank and may pursue legal action to cover the {$55.00} I am owed.

Email is the best way to get in touch with me. If necessary, you may also call me at the number above or write back to the address above. 


Sincerely, 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 monetary relief
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
At XXXX on XX/XX/XXXX a text was sent to my phone from Capital One bank stating " We received a wire transfer request... If you didn't request this, call Capital One immediately ''. I saw this at XXXX and called immediately, to be told that they didn't open until XXXX and for me to call back. The account is a XXXX account that has very little activity. NEVER a wire transfer. When I reached someone at XXXX, I was told the wire had gone out to XXXX XXXX . I told them it was not authorized. I was forwarded around to several departments and was put on hold anywhere from 23 minutes to 66 minutes each time I was transferred. I was told I must have my devices " cleaned ''. I did that, for {$300.00} - to find that I had no breaches and my device was not even used on XX/XX/XXXX. Capital One insisted that someone sitting at my desktop in my home requested this transfer in the middle of the night, so they will not refund my lost funds. This simply didn't happen. It is more likely my personal information was compromised during Capital One 's breach in XXXX I have continued to call for updates, and continue to be transferred around and put on hold. Capital One allowed a suspicious wire transfer to leave my account and apparently has no procedures in place to prevent such fraud. I wasn't even contacted for authorization. It is becoming clear that their strategy is to continue to pass my call around and put me on hold, hoping I will eventually go away, and forget about the thousands of dollars of my money the bank lost due to sloppy procedures and poor fraud alert technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CA

Complaint narrative:
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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-11 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: Atlanticus Services Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Checking on my report, I see that the XXXX XXXX  is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all XXXX credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

UNAUTHORIZED ACCOUNTS : 1XXXX XXXX XXXX XXXX  Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX Account Number : XXXX 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

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 2022-04-11 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

UNAUTHORIZED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
I have a company that is reporting {$84.00} in collections on my credit report and it has drop my score from a XXXX to XXXX. I have no idea who or what this company is. I reached out to the company and they keep transferring me to a music hold machine. The company is also listed on XXXX XXXX XXXX as a fraudulent company. The company name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My last payment to navient when I defaulted my private student loan was XX/XX/XXXX of XXXX. 
I thought it was XXXX so I submitted a dispute with the credit bureaus. Navient has been reporting as charged off account since XXXX and that it was a XXXX XXXX  XXXX wrote off. At that time I was penalized drastically on my credit report by about XXXX points. I understand XXXX defaulted the loan. 
But not further payments were made. After I just disputed on XX/XX/XXXX I received an update from the bureaus that I have a new missed payment. 
The account status now shows on time and first missed payment was XXXX XXXX  XXXX. 

Spoke with the bureaus on recorded lines today and they said last activity was XX/XX/XXXX and that navient is supposed to fall off my credit report in XXXX XXXX XXXX. 

Navient re-aged my credit report making it to where I am now dinged XXXX years after I was already dinged on my report which is understand is not supposed to happen. 

Navient re-aged my credit report because I am at the XXXX for XXXX at XXXX  years and XXXX year from it being off my credit report. 

This loan is old. No recent payments. Last activity in XXXX. Loan shows charge off. I have not spoken with anyone regarding my student loan, attempted to make any payments, or received any calls from debt collectors. 

This is an inaccurate reporting on my credit report and should be adjusted to be accurate no false. 

Open dispute with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is failed to show proof that they paid the merchant and because of nonpayment from Citibank the merchant canceled my subscription. And which Citibank is not giving any assistance on showing that they have paid the merchant. Which Ive already paid city bank and full for my part but city will not release or show any routing number that they did their part to pay the merchant.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Funding had been told to remove a debt from my Credit Report and instead left a judgment from a XXXX year old debt on my XXXX XXXX Report

Company response to consumer: Closed with explanation