vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, This dispute is for Citibank and XXXX XXXX XXXX. I have been placed in a system where I can not open any accounts with a financial institution. I am disputing the removal of the status Citibank has under this savings account that is reported to your agency. There is a lot of inaccurate information under this account and needs to be removed. This violates my consumer rights under the FCRA. Citibank is reporting this savings account that closed back in XX/XX/2022 as checking fraud. This is a vague term and does not specify if I was a victim of fraud or someone defrauded me. XXXX XXXX  will not reinvestigate this item, but can not provide me any validation of information to prove that it's accurate. This status of term is reflecting negative on my consumers report and I have been unable to establish banking because of this negative status. I need a deleted record provided to me and this comment removed under the status for this savings account. If this status/comment is not removed immediately, I will proceed with filing a lawsuit in my state. I have been a victim of identity theft and never experienced such poor resolve in my life. I have already contacted XXXX XXXX team to look into CitibankXXXX XXXX XXXX practices with consumers.

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
A regions bank employee, XXXX XXXX participated as an accessory to commit felony Larceny. I was defrauded out of XXXX XXXX dollars. Her supervisor is also helping to cover up this crime. She works at the XXXXXXXX XXXX XXXX in XXXXXXXX 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 2022-09-21 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: AL

Complaint narrative:
Transunion & XXXX have a late payment showing with XXXX XXXX. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates the FCRA.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX I spoke with XXXX XXXX XXXX XXXX id XXXX ) and then XXXX, XXXX XXXX id XXXX ) and complained that they were charging monthly interest at the rate of {$26.00}. My current balance is {$1100.00} with {$27.00} monthly in interest charges. I complained to both reps that this was balance was becoming difficult to pay down based on that charged interest rate and requested a reduction to same. I have always been a responsible paying consumer having made all timely payments. Both reps refused a resolution to ease the payment and during a time of severe inflation and job loss. I find it completely unacceptable that a company can charge a consumer such an astronomical amount of monthly interest which would only serve to hurt a consumer. At the interest rate of {$26.00} this balance would be extremely difficult to pay down. This is a XXXX XXXX XXXX XXXX. I appreciate all the help and assistance you may provide as they were unwilling to offer any such resolution to the matter. This to me seems fraudulent and misleading by a company that purposely places a consumer in direct financial harm. Thank you.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint is about Equifax Credit monitoring. I'm experiencing some type of computer/technical scoring error on my credit file with them. Typically, if a decrease in the balance of an account happens and there are no other changes but the decrease, the credit score will increase because utilization goes down. In my case, since XX/XX/2022, whenever I pay a portion or even the full balance of an account, my score is dropping and it's dropping by the same each time of 75 points! I have spoken to several agents at Equifax and they have not been able to help and stated that there is no one there that can help with a credit score issue. I know that they have to have a department that can look into this, but no one is willing to assist, I really need help with this, because it is making my file unstable and unpredictable and I'm afraid to pay down balances or even apply for credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today ( XX/XX/22 ) my husband and I tried to buy a ring at XXXX. Wells Fargo declined the transaction 4 times even though our account is in good standing. The system texted us letting us know of the suspicious activity, we called the number they included in the text, they called us back and verified that we were the ones making the purchase. After this, Wells Fargo STILL wouldn't approve the purchase another 2 attempts. 
We were completely mortified. 
We went to the bank closest to figure out what's going on and the personal banker we spoke to said that the bank declines certain retailers because of high instances of fraud. 
It doesn't matter. All that should have been cleared up after we verified our identity TWICE at the store. 
We pay this bank between 18-25 % interest and pay our bill on time every month, they have no right to decline ANY transactions.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a credit card in XXXX through suntrust bank to pay for a home repair. I Paid off the balance of that card in XX/XX/XXXX. Apparently the credit card was bought out by Truist Bank. I was never made aware of these changes. I have not used the card since I paid it off. XXXX XXXX alerted me of a delinquent account this month. After further review, I noted Fraudulent charges occurred on this credit card XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to close the account and file dispute paperwork through the fraud department. I spoke to both the fraud department and the account department. Paperwork was supposed to be sent to me to dispute charges, and the account was supposed to have been closed at that time. I never received any confirmation from Truist about these interactions via email or postal. I called again on XX/XX/XXXX for written confirmation. The account was never closed and the fraud department claimed they couldn't even find the account. All I got was a run around and the account which was supposed to have been closed was still open for criminals to continue to use.

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 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
Aargon account # XXXX Received Letter from Aargon dated XX/XX/XXXX Creditor Name XXXX XXXX XXXX - XXXX Creditor account # XXXX Emailed request to debt validation on XX/XX/XXXX and stated I do not agree that this balance is mine. No response. 
I emailed again to the XX/XX/XXXX with a policy report number. A police report was filed because I believe to be a victim of identity theft and this collection is not mine. I also included a copy of my FTCIdenitfy theft Report. Account number XXXX which states in accordance with the Fair Debt Collection Practice Act, I am asking you to immediately stop all collections activities about this debt, including reports to the credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result 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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Reference Complaint XXXX Submitted XX/XX/2022 Cash App to date has not refunded my money from the transactions they cancelled for one reason or another. I have attached the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

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 2022-09-21 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: MS

Complaint narrative:
In accordance with The Fair Credit Reporting Act the list of the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe 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 2022-09-21 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: MS

Complaint narrative:
In accordance with The Fair Credit Reporting Act the list of the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX  - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 6. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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 the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX ACCT # XXXX XXXX BANK XXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 non-monetary relief
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXXXXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 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 2022-09-21 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:
I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The XXXX XXXX accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, Third round dba second round limited partnership, and legal shield. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment Third round dba second round is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. Comenity, XXXX XXXX, Third Round dba Second Round Limited Partnership do the the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX some used my capital one card and paid it off then the payment returned. They sent me an email saying call them and verify my payments which I did then they unlocked my account. 2 weeks later, my account is restricted again which they keep telling me verify a payment I have no clue about. As I keep telling them i dont know, they keep beating around the bush telling me I need to go find the person who did and until then my account is gon na stay restricted. Ive even had representative tell me change up my story and they might be able to work with me which I did cause I was so desperate to just get my account back. Ive never had a problem with them till now. Unfortunately they ended up closing my account causing my credit score to drop bad which is now affecting me. Pleas tell the fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I went into XXXX XXXX  to have XXXX XXXXut on rims that i purchased for my new XXXX XXXX that already had tires and rims. Before he even puts the rims on that i purchased from XXXX he charges me {$130.00}. Than he comes back and says we broke one of your sensors so we have to charge you to put new ones and. How is that my fault? As long as you put XXXX sensors in fine he said yes turns out he put {$12.00} XXXX aftermarket sensors in my car that wont read my tires so i have to ride around with a safety message on and no tire message. He than says i have tires on sale that are {$50.00} per tire so it will only cost you XXXX plus the cost of the sensors and i will give you a credit for your current tires and rims. I have two sets of rims the ones that came on my car and the ones I purchased on XXXX so i didnt need the rims. He ended up charging me {$600.00} i didnt understand why he didnt have any receipt paper. The shop was already closed. Got in the car its driving weird the tires are stable and they are really loud he didnt put on the correct tires. Came back the next day to return the tires i asked him why did he lie and why did he steal my spare tire and why did he put the wrong tires on. He said it was late and his guy made a mistake and that he would issue me a refund and charge me for the correct tires. He advised me that they would be 20 inch tires. He never issued me the refund instead he charges me {$430.00} for once again the wrong tire size. I asked him for my tires back he told me know that he can make more money from my new tires and rims than what I have. The police got involved because he refused to return my vehicle. He charged my credit card for two sets of tires and two sets of rims a car can only have one pair of tires and rims. I have tried everything to get discover to issue me a refund due to the deception, the damage to the product and fraudulently misrepresenting prices and giving me the incorrect product i didnt get what I paid for. I was charged multiple times for the same thing. This is theft.This company is shady and a police report was filed. They have {$1100.00} of my money, my brand new tires and rims while i have a damaged vehicle with mix and match tires with faulty sensors. Under the fair credit act discover should have refunded the funds to my account but they are refusing

Company response to consumer: Closed with explanation