vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX decided to contact citi XXXX credit card personnel due to text received that included a Citi Alert TEXT from XXXX that indicated that {$670.00} transaction with " XXXX XXXX XXXX XXXX XXXX XXXX was canceled and won't post to your acct. '' This text was received on Sunday XX/XX/XXXX. I check transactions and the {$670.00} did post but was not removed. Since I had received a previous text from XXXX on XX/XX/XXXX about XXXX that was deemed suspicious since I had XXXX what that XXXX concerned but the XXXX texts were a wash and I did not see that transaction on the citi XXXX app. I thought these texts could be bogus and not from the legit citi so I called to inquire if the XXXX is or is not a legit XXXX digit text number. I spoke to various nonfraud reps including a supervisor and she said she would contact fraud dept and placed me on hold. The call ultimately dropped while waiting. This supervisor indicated that citi texts come from XXXX??, XXXX XXXX dept, XXXX Citi XXXX ; she was not sure about XXXX. She mentioned that there have been many daily reported problems with texts generally. Since there was a disconnect I called the fraud number ; plus I received texts from XXXX " XXXX  XXXX XXXX XXXX fraud dept : WE need to speak to you about XXXX 's card XXXX please call XXXX. '' I called XXXX different numbers to fraud dept, the system did not acknowledge XXXX card last digits, did not recognize cell phone number provided, the automated system kept moving between keypad and voice answers. Ultimately I never received an answer to my QUESTION is XXXX a valid Citi text number??????? Yes or NO???? The fraud dept staff insured that my credit card was locked and I would receive a letter in the mail within 10 days. Citi is extremely willfully, wantonly and knowingly unhelpful ; that is what banks prefer to offer customers. I am the one who initiated the inquiry yet CITI remains NONRESPONSIVE. CITI solution is to LOCK. The fraud employee asked whether there was another telephone number associated with the credit card ; I replied no. Solution is to lock legitimate card holder out from utilizing the credit card normally. Citi staff is unprofessional and definitely prefer not to assist card holder ; the only solution is to LOCK but not provide a clear explanation of their fraud concerns or completely answer customer questions and address concerns brought to CITI 's attention. CITI should have a database that reflects bogus text XXXX digit numbers utilized. XXXX is being utilized by whom as in what entities? I have experienced many unsafe issues with this CITI bank XXXX Credit Card over the years. Apparently citi card is unsafe to utilize and extremely and regularly vulnerable.

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 2023-07-23 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: Experian Information Solutions Inc.
State: GA

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

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 2023-07-23 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have basically been paying for their services for almost six months and it has yet to show on not one credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-23 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
State: NY

Complaint narrative:
On XX/XX/2023 I was awarded XXXX from XXXX XXXX XXXX the money then went into my venmo account I've waited since XXXX for this money and I had to take them to arbitration to get it, 4 days later XX/XX/2023 after spending approximately {$1700.00}, and left on a trip to Missouri I stopped for the evening and was going to upgrade my phones after an hour on the phone with XXXX to tell me that my payment was declined, that's when I found out that my account was frozen now I am stranded out here on my way to Missouri no money no food no gas im sleeping in my car and I'm XXXX i have no money and now they're telling me it's going to take XXXX to XXXX  days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian rightfully closed account XXXX belonging to XXXX back in XX/XX/2023. I never authorized nor had a contract for this account and didn't consent to it. It has actively been in dispute, and they are still reporting it while being disputed. They also are still reporting unverified late charges on several closed accounts with Dept of EducationXXXX and 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 2023-07-23 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
I contacted the company that I supposedly owe a balance to that is on my credit report through the phone & asked them to mail all of my documents to me to validate my debt on XX/XX/26. The company that appears in my credit report to have purchased my debt is XXXX XXXX XXXX XXXX XXXX located in XXXX, FL. I still have not received any paperwork regarding this debt that I supposedly owe and I know that under Fair Debt Collection Practices Act of a debt collector can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. I also am aware that if the account contains no documentation the collection agency also may not report the debt to the credit reporting agencies. I've had this account on my credit report for the past XXXX years now, with no proof that I owe it. I am submitting this complaint to request the removal of this debt from my credit report as this debt has not been validated. I also never received a written notice from this agency that I owe this debt. I've only seen it appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I had a TD Bank credit card that was never used, other than a recurring payment to XXXX. When it expired, and they sent a replacement, I never even activated it, as I never used it ( I had XXXX cash-back cards with other banks that I used ). Since I never used it, and it was setup on auto-pay, I never looked at the account. In XX/XX/2023, I logged on, and saw that they let XXXX fraudulent transactions through without catching them as atypical behavior. ( BTW, I work in financial risk management ) I disputed the transactions and closed the account. The disputes were investigated and determined to be fraud, and I ultimately received a check for the balance of the closed account. I shredded the card which still had the sticker on it since I never activated it or used it. 

In XX/XX/2023, I received an email indicating that I had a charge on the account in XXXX and a balance due. The charge payee name was a variation of the XXXX slightly variating fraud charges from XXXX. I contacted TD Bank regarding the charge that occurred 3  months after the account was CLOSED. After many calls and being told that I needed to go into a branch to be authenticated a few times ( BTW, there are no branches in the XXXX XXXX area where I live ). I did reach a competent person who acknowledged the account was closed in XXXX ( as do all the credit agencies ) had no explanation for how a charge could hit an account that had been closed for 3 months, and opened a fraud dispute. I received the dispute research results, and they determined that there was no fraud. HOW IS THIS POSSIBLE? The account was closed and only used for the XXXX recurring charge for over a year prior. It is bad enough their fraud detection processes are so poor they didnt catch the blatant atypical behavior on the early fraud charges, but to allow a new ( non-recurring ) charge on an account that had been closed for 3 months, and then their fraud research is so incompetent as to determine that it was a legitimate charge is unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and experian, XXXX and XXXX refuse to move fraudulent accounts from my 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 explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On the afternoon of XX/XX/2023 I placed a total of XXXX banknotes consisting of XXXX {$100.00} bills and XXXX $ XXXX bills. I did not realize that the ATM had a limit of XXXX bills for accepting cash deposits. 

The ATM spit out a number of bills, which I deposited on a second deposit basis. However when I looked at my ATM receipt, I was credited with {$5300.00} instead of the {$6400.00} that I had deposited. I was shorted {$1100.00} by the ATM. I believe that the ATM malfunctioned. 

I immediately went inside the bank and informed the staff, who told me that the branch was helpless to do anything, and I would have to call an XXXX number to file a claim, and I did as instructed. 
More than a month later, I received a standard boiler-plate form letter that my claim was denied after reviewing my account history. 
I have contacted BoA call center a number of times to dispute the finding and to understand how that decision was made. I have not been provided a logical answer. I also emailed the CEO of BOA, and received a call back from the XXXX Escalation office that they would follow up, but that never happened. 
I had hoped that the bank would research the amount of money that was deposited and withdrawn in and out of the ATM in question, to determine if there was indeed more money in the box than the ATM showed. This would require that the actual physical cash in the ATM box should have been reconciled with its electronic readout to determine a discrepancy. Bank of America never did this work.

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