vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
I reviewed my consumer report and I noticed that I had 5 late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint on dates ( XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were later. If proof can not be provided I demand these payments be updated to PAID AS AGREED on time as they should be due to the fact I was never late! Thanks, PLEASE see screenshots attached

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 2024-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Around XXXX or XXXX of XXXX, I received a letter from Citizens Bank informing me that my XXXX accounts would become Citizens accounts on XX/XX/XXXX, XXXX date specified in the letter. Specifically, the letter mentioned : " As we transition your XXXX accounts to Citizens over the weekend of XX/XX/XXXX, there will be a delay in accessing your account ... '' which has lasted well over two years. 

To provide more context, I received my first e-mail from Citizens Bank on XX/XX/XXXX to confirm my details and " Enroll in Online Banking '' according to the call-to-action in the email. 

Firstly, this e-mail was sent to me one year after I received the physical letter in the mail about the transition of my XXXX accounts to Citizens accounts. Second, I've been trying to enrol online without luck until today, another year later. Every time I tried to enrol online, I had problems receiving my one-time passcode. 

So today when I was finally enrolled into my online banking, I saw that I had no money left in the bank. The earliest bank statement I was able to access online from Citizens was from XX/XX/XXXX, which showed I had a balance of US {$94.00}. Each month, Citizens Bank has been me two fees : {$4.00} for " XXXX XXXX XXXX '' and {$3.00} for " Statement Delivery ''. By XXXX XXXX my bank balance dried up completely due to Around XXXX or XXXX of XXXX, I received a letter from Citizens Bank informing me that my XXXX accounts would become Citizens accounts on XX/XX/XXXX, XXXX date specified in the letter. Specifically, the letter mentioned : " As we transition your XXXX accounts to Citizens over the weekend of XX/XX/XXXX, there will be a delay in accessing your account ... '' which has lasted well over two years. 

To provide more context, I received my first e-mail from Citizens Bank on XX/XX/XXXX to confirm my details and " Enroll in Online Banking '' according to the call-to-action in the email. 

Firstly, this e-mail was sent to me one year after I received the physical letter in the mail about the transition of my XXXX accounts to Citizens accounts. Second, I've been trying to enrol online without luck until today, another year later. Every time I tried to enrol online, I had problems receiving my one-time passcode. 

So today when I was finally enrolled into my online banking, I saw that I had no money left in the bank. The earliest bank statement I was able to access online from Citizens was from XX/XX/XXXX, which showed I had a balance of US {$94.00}. Each month, Citizens Bank has been charging me two different fees : {$4.00} for " Serv Charge Db '' and {$3.00} for " Statement Delivery ''. By XX/XX/XXXX, my bank balance was completely dried up due to these outrageous charges especially while I was basically locked out of online banking. 

This is completely unethical management and the behaviour is in line with scam/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.

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 2024-02-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been receiving multiples calls from this agency about me owing $ XXXXAn account can not be furnished without my instructions and it has been annoying I constantly get calls and no one is trying to help. I have no idea about this account. It was opened fraudulently.

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 2024-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
I have 3 Pre-Paid Visa Cards that my employer sent as a recognition rewards. These cards were received ( I have the both the numbers and digital token number ) but when I tried to use it, the company Prepaid Digital Solutions saying the card is expired and refusing to issue a replacement card. 

This is over {$1000.00} of value on the card which has been already funded by my employer, which Prepaid Digital Solutions is just keeping. It is essentially theft. 

Here are the digital tokens : XXXX - {$500.00} ( full amount ) XXXX - {$500.00} ( full amount ) XXXX - {$250.00} ( need to check balance on this )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I requested Paypal both by telephone and also via email to unlock the balance worth {$630.00}, which I received on XX/XX/XXXX from the company XXXX XXXX, a logistics company that compensated the previous payment for the loss of a package in transport. outside the United States. 
Paypal Inc is withholding this balance of {$630.00} improperly since I am not subject to taxes by the IRS because I am a non-resident alien and according to the law I am not required to have these withholdings made. For this purpose, on XX/XX/XXXX, I sent to paypal an email informing of this situation and sending the duly completed form W-8BEN, which the IRS has provided to certify my status as a non-resident alien and therefore not subject to tax withholding. 
Paypal Inc has ignored said certification and continues to improperly retain my funds worth : {$630.00} I have sent multiple emails and they tell me that I must wait 60 days for which after that period they will deduct a percentage of 24 % on the balance improperly and then they will release my funds, which is illegal under the tax law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
In XXXX I took out a reverse mortgage loan for {$44000.00}. I do not speak English and did not understand what I was getting myself into. The balloon payment was due XX/XX/XXXX. I discovered this when the auto payments were no longer being withdrawn from my bank account. When I offered Select Portfolio a payment of the arrears, I was denied. I've been submitting forms to them, making calls, pleading assistance, and no matter how much effort I make to pay them off, they want to take my property from me. Today I received a foreclosure proceedings letter from an attorney. I need help immediately. I am elderly, a Veteran and have XXXX  I am also a widow. My children are doing all they can to help but Select Portfolio keeps shutting the door on all of us. The XXXX XXXXXXXX is stalling on providing me assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX am requesting the following employment information to be removed from my credit file immediately : 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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Activehours
State: SC

Complaint narrative:
This company was only supposed to take funds out of my account on the XXXX they took funds out on the XXXX and the XXXX and they are not returning my money as of this time I have things that have come out of my account that are going to continue to be declined because this overdrafted my account I've tried to communicate with these people but they refuse to return my money ASAP so I need to get this company involved because this is fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I scheduled a payment for {$100.00} on the XX/XX/XXXX and an account that is no longer active and it was closed for a while. The account shouldnt have been charged in the first place. On XXXX kept receiving back to back phone calls every hour from Comenity Bank, which is XXXX. I answered once I had time and was informed of my account status. I had checked my account the night before and reviewed the transactions on the report and it reported two previous cycle late fees. So I told the representative that I saw that on my account and I can resubmit the payment online today once those charges were removed. Not only can they be removed but my statement also says that the late fee charge consists of {$45.00} whereas my account was charged a {$37.00} previous cycle late fee twice. I have included photos showing all transactions between XX/XX/XXXX and XX/XX/XXXX. The representative on the phone kept saying that there is no late fee on my account and I kept telling the person that it is and I'm looking at it on my transactions and she insisted that it was not there and continued to push for a payment. She didnt explain the charge and Ive never seen this type of charge before but it is not necessary to charge someone multiple late fees for the same one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit report has inquiries Im not aware of from loan lenders

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already made a complaint with the CFPB that number is XXXX. I have asked transunion to remove erroneous information from my credit report but they have not. They are reporting that I took out a loan that I did not. I have asked them repeatedly to provide documentation to support their claims. They have not. I thought that if they could not substantiate their claims, they had to remove the information. Is that not true? I have asked them to provide any documentation supporting their claim that I took out a loan, or opened a credit line or whatever they are saying I did. Their response is that, " it has been verified '' Well, that is not good enough because it is not accurate. I never took out this supposed loan so I want it removed.Perhaps someone forged my signature. I want to see the documents that are supposedly tying me to this supposed loan. If they can not provide that, they need to remove it -- permanently. 

Thank you, 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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-27 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: U.S. BANCORP
State: TX

Complaint narrative:
I have duplicate inquiries from this company.

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 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/year> ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Credit Acceptance Corporation has violated my rights. 15 USC1681 section 602 A- States I have the right to privacy. 15 USC1681 section 604 A section 2 - also states a consumer reporting agency can not furnish a account without my written Instructions. 15USC 1681c a 5 section states, no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 A 1- 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, also they are not in compliance with reporting standards FCRA FDCPA Credit Acceptance Corporation account numbers 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 2024-02-27 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: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief