vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing with Equifax, XXXX ad XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All XXXX credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ). 

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX  with Account Number XXXX - This account was deleted from XXXX and Equifax is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) Equifax was notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how Equifax is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from Equifax and XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by Equifax that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX and XXXX are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. Equifax is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I made XXXX transactions to my Credit Karma account on XX/XX/XXXX. XXXX for XXXX and the other for XXXX. I reported to XXXX 's ( the company ) that I hadn't received the products I orders ( a pizza ). I tried to do this same transaction a total of XXXX  times, but it kept telling me that the funding was insufficient, so I tried with a different card. The Credit Karma account was charged for the XXXX charges I reported earlier in this report. These transactions showed up on my account as pending, but the amounts had already been taken out of available balance. These showed up for several days, XXXX days, that was the time that I should have been refunded the money. I called Credit Karma and they told me I had to wait 15 days for the pending charges to be refunded to my account. I called XXXX 's corporate office and was told that the funds had already been distributed back to the banks. I called Credit Karma again with the information I got from XXXX 's corporate office and got the same scripted answer. I decided to print my transaction history, which had shown the pending transactions and discovered that both of them were not on my account statement. I called Credit Karma about the charges not being on my account and was informed that since they were pending they removed them from my statement. Since I didn't see the transactions and didn't copy my statement before the transactions were taken off, I had no proof that the transactions had actually happened. After requesting to speak to a supervisor ( who talked extremely fast and was hard to understand ), I was told almost the same scripted answer as the call center lady said. I requested to receive a copy of my statement showing that the transactions had been taken off or that they were still pending and was told they were unable to provide that information. I then asked for an email to show that there were transactions made that day. They sent me an email copy of these charges. While I was talking to the supervisor, I received XXXX emails other emails from Credit Karma. XXXX was about how to open a dispute and the other was to tell me my card had been deactivated and a new card would be sent in XXXX or XXXX billing cycles. Right now, Credit Karma is showing my balance as {$470.00}. I asked them several times over the last XXXX  days to return my money to me, but I keep getting a scripted answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2023-02-10 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank. XX/XX/XXXX on my XXXX Credit Report Citi Bank - XX/XX/XXXX on my XXXX Credit Report I have not ever applied for a Citi Bank Card. I have requested a copy of signed aoplication for cerification or removal. I have disputed theough voth credit bureaus to no avail

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
this is the 3rd time informing you guys of Truist ways they have now closed my account because of fraud done on my account that I did not even have a bank card for, every transaction i had to transfer from one account to another until XX/XX/XXXX i transferred money and they made the account look as if i was able to withdraw from an account i never received a card for. Trust owes me over {$700.00} for allowing XXXX to take money out of my account where they refused ot dispute the transactions they owe me {$600.00} in claims for fraud done on my account in XXXX and XX/XX/2023 and they owe me for disputes that they never disputed such as XXXX, and other transactions ... they denied all three claims that where fraud, yet truist even had he incorrect claim amounts which shows they did not investigate this properly and they need to be audited by another dept because they have taken my money and showed they have need to refund my money ... .or they will face

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 2023-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
My payment was due on XX/XX/2023. On XX/XX/2023 ( Sunday ) I receive 3 calls from phone number XXXX. I spoke to a representative on XX/XX/2023 at XXXX XXXX The I advised the representative my bill is less than 48 hours past due and I have received several call already, yesterday was Sunday and the banks are not open here.The representative informed very rudely " if you just pay your bill, we stop calling. '' I advised him again it is just now due and for him to not call me again. I received 2 more calls that day. 3 calls on XX/XX/2023 3 calls on XX/XX/2023 3 calls on XX/XX/2023 ( made the payment and a complaint ) and received XXXX call so far today from that number and several other calls from this company on a different number.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  XXXX the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX  XXXX XXXX XXXX  charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX XXXX  accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  XXXX theirs but the other XXXX bureus did not. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
First they removed my current payment method and added a checking account that was closed in XXXX, that we never added to our auto loan account that we got in XXXX. We went through a month of not being able to make payments to find out what happened. they said the payment method from the closed bank account was added by my husband in XXXX, we never added that method to our auto loan, yet they still did. Our account was locked and we had to contact the fraud department to have it unlocked and they made us create a new user name and password ( do not understand why we needed a new username? ) and now we try to login to make a payment this month and we are getting an error saying we need to re-enroll to online banking again! Why do we need to sign up for so many different accounts for XXXX auto loan? Also the customer service asks for you full social security number for verification which is very unsafe, I though they could only ask for your last XXXX digits? 

Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit XXXXXXXX and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit XXXX and select Sign Up, or call 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 2023-02-10 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: PA

Complaint narrative:
I currently have Unauthorized inquiries appearing on my credit report and XXXX Fraudulent collections.

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was hired to work for a company they gave me onboarding paperwork to fill out then sent me a check to purchase aloe my remote work equipment they told me if I had trouble securing anything to reach out to them. The specific XXXX they wanted was not available so I asked them if I could get another one they told me they would reach out to the it department to see if they had anything available so I contacted the person and they said there was one they could ship to me next day and they would load all the software I needed on it as well. I sent them the payment for that out of the money that was given to me for this purpose. The next day I got notified from the bank that the check was fake and I was confused I told them its from my job they told me Ive been a victim of remote job fraud I asked them what I could do they said nothing since I sent the money. 

I reached out to the company who said they would try to figure out whats going on and get back to me but shortly after the communication with them was cut off I called the police department and filed a police report and they told me to try and speak with my bank. I bank with navy federal and I am a XXXX they dont want to do anything to help me and now Im in the hole XXXX that I dont have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. Reference ID : XXXX Your Desired Resolution : I feel that any reasonable person would conclude that holding my entire balance + {$1600.00} for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. 
That being said Its now over 120 days of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation
State: VA

Complaint narrative:
Unauthorized credit inquiry into my XXXX credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. 

The inquiry is unauthorized and not legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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. 

XXXX Account : XXXX  Account : XXXX Account : XXXXXXXX XXXXl Account : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if 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 2023-02-10 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My credit card was stolen and used for fraudulent transactions. American Express will not talk to me about it, or even disable the card from being used, until I verified my identity on XXXX After a very long wait ( in which the fraudsters continued to have access to my card ), I did complete the verification, but Amex still claims they cant find it and wont talk to me. This is insane and is unacceptable that they wont even allow me to protect my credit.

Company response to consumer: Closed with explanation