vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new personal checking account online with Truist Bank on XX/XX/. My next payday was XX/XX/ & my boss doesn't do direct deposit, so we all get payroll checks. Mine was {$1400.00} & I did a mobile deposit on it since it was offered. A separate box popped up notifying me that my funds would not be available for 1-2 business days, but then I received an email saying a hold was placed until the following Wed XX/XX/XXXX XXXX XXXX I received a letter in the mail from the bank stating that Truist found it necessary to block my acct due to suspicious and/or unusual activity. They blocked me from it without notifying me beforehand & I was unable to withdraw funds prior. I've called multiple times & have been given the runaround. I made calls on XX/XX/24, XX/XX/24, and XX/XX/24 & on this day I was told the acct was set to reopen/unblock on the XXXX. I called on XX/XX/24 & was told my payroll has cleared, but the account was still blocked & under review & again no one was willing or able to explain the hold/block nor tell me when it would get unblocked. I was told to call back on XX/XX/24 for another update, I did this morning at XXXX XXXX & was yet again told the same thing. I even asked to speak to an analyst about my case & she informed me that she couldn't give me a release date & to call back in another SEVEN business days or to try on Monday XX/XX/24. I have XXXX kids at home and one of them is an XXXX & I do not have access to my money from my payroll check from the XXXX XXXX XXXX  I need to buy groceries, pay my electric & water bill & get gas to get myself to work & school and no one can help me. I've already called Truist Bank Customer Service, again, to file a complaint & am now filing one here. My next stop will be to my local news stations. I have XXXX funds on me as I'm typing this. I need access to my account asap. I've only had a few transactions with this account & those were to pay previous bills. They sent me a debit card and I'm not even sure why since they blocked the account from me accessing it. I can't even walk into the local branch to withdraw funds due to the block. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: MD

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
my credit card payment is due the XXXX of the month. i paid early XX/XX/XXXX for my XXXX due date. money was taken out, then the XXXX XXXX XXXX i get a email saying my payment from the XXXX didnt go through so they refunded me and are now charging me a late fee and i need to re make my payment. when it shows in my bank and the app the payment went through. so it messed my credit up. ive never had a late payment until then. they never called, texted or emailed me saying there was an issue with the payment. if it was returned the same day, why wait almost a week to tell me?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to TransUnion, XXXX, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,

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 2024-02-01 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: PA

Complaint narrative:
Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies
and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, Equifax, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to XXXX, XXXX, XXXX, Experian as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit score went down XXXX points and I was shocked to see that happen and the I saw that there was a card under my name that I didn't open l

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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: DC

Complaint narrative:
I would like to have these inquiries deleted. I did not authorize this, and this is a fraudulent issue. I didn't authorize these companies to run my credit, nor did I authorize anyone else to apply for any credit from these companies. In the last 2 years I've received mail from 3 companies stating that my information was involved in a Data Breach and all my information including my SSN and BD was a part of the Data Breach and for the last 2 years I've been seeing unauthorized inquiries on my credit report, and I would like to request for all to be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am trying to open a venmo card, I received a rejection letter stating Request has identity theft risk factors. I'm not even sure what that means. I have called synchrony bank, they transferred me to venmo. Venmo transferred me to pay pal. And I called multiple times and I am making this complaint to escalate. My credit score is pretty high. 

The referene number for the mail is 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 2024-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/, called ULTA about a balance on the credit card. I asked to pay the balance in full and close the account. Both of those were done. I paid precisely the full balance. 

Subsequently they said there was an additional finance charge of {$2.00}, which over the subsequent months has now gone up 700 % to {$14.00}. It is not a lot but I am incensed by the principle of this. When you ask to pay the balance in full and close the account, they have no business going back and adding XXXX XXXX finance charges which then accumulate. You can not be faulted for not bothering with statements for an account that you paid in full and closed. Their response was its in the contract. They feel they were under no obligation to tell me the correct amount to close the account. I feel these subsequent add on fees are bogus and that why I am writing to you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an American Express Gift Card from a friend. It came preloaded with {$50.00} to spend wherever American Express is taken. First off, even places that take American Express not all take their Gift Card. It's hit or miss and usually it's a miss. I tried to use the card online for hotel rooms, declined. I tried to use it in several of my digital wallets, declined. It will however work at the convenience store. I stopped at my local XXXX to get gas and a drink. I was talking outside the store with a friend and when I went to pump my gas that I had prepaid with the card inside, it said pump timed out. So I went back inside the station to let the lady know to reauthorize the pump. She asked me for the card back because the pump had sent the money back to the card. So I handed her the card and it reauthorized the transaction. When I went to check the balance a few minutes later, it had both the charges showing up. So my account was charged 2x 's for one transaction. I called in immediately and they said that one of them would fall off after the other transaction finalized within 24 hours. The transaction did finalize, the other did not fall off. I called them again. They said give it 7-8 days. I said for something that didn't go through and they said yes. They said the date would be XX/XX/XXXX and the card would be good again. It is XX/XX/XXXX so I called and checked the balance. It is still being held for over {$10.00}. I know this doesn't seem like much but it's ridiculous for a company to hold my XXXXXXXX XXXX for an extra week when the 2 charges were back to back and I immediately called them to let them know in the very beginning. I spoke to customer service and asked her if there was anything they could do to go ahead and remove this hold and they said no, I needed to wait for 24 hours. I was told that before and look where it got me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, I trust this communication finds you well. I have been attempting to establish contact with your TDRCS/XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I was denied an extension of credit by American Express. I applied for a credit card application with American Express it is against federal law in accordance with the Equal Credit Opportunity Act. Pursuant to 15 U.S.Code 1691 ( c ) American Express assume civil liability pursuant to 15 U.S.Code 1691 ( k ) American Express has violated my federal protected consumer rights. I have the denial letter which is proof and evidence I have been discriminated against which makes American Express criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. I demand that my credit card is Open Ended pursuant to 12 CFR 1026 ( REGULATION Z ) Otherwise this would be considered securities fraud and trust fraud since I have received NO CONSIDERATION. I will also be filing a ( whistle blowers ) complaint with sec.gov, FTC and the attorney general XXXX XXXX for remedy in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-02-01 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: LEXISNEXIS
State: IL

Complaint narrative:
The company keep lying stating that they are unable to fully authenticate my identity however they have proof of id state an government as well as proof of residency per case XXXX XXXX XXXX XXXX XXXX  If my information is suppressed why continue to verify accuracy of bankruptcies to companies? Why has the information not been removed from the credit bureaus?

Company response to consumer: Closed with explanation