vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid my school property taxes online via a digital copy of a citizens bank check for the amount of {$2600.00} ( check number XXXX ). On XX/XX/XXXX check # XXXX for {$1900.00} and check # XXXX for {$1300.00} was cashed and withdrawn from the account. On XX/XX/XXXX I reported both check numbers XXXX and XXXX as fraudulent and also a transfer amount of {$19000.00} from an additional account. The accounts affected were immediately frozen ( so I was told by a citizens bank, banker. ) Later in the same day and following days, multiple other fake checks were cashed, putting the " frozen account '' into a negative balance. I was then charged overdraft fee 's, which was automatically withdrawn from unaffected accounts without permission and after being told in branch at the XXXX NY location that I would not be charged. Also, I received multiple letters from citizens bank stating my unpaid overdrafts would be going to collections and that my credit would be effected. In the following weeks I made multiple in person visits to the branch and was assured by staff I would receive my refund of the total amount lost in fraudulent charges within XXXX  days. Within XXXX weeks I was refunded the fraudulent {$19000.00} and since that time I have not received any refund for the additional amounts owed. 

Citizens Bank had sent letters stating they a preformed an investigation and determined the checks written to be fraudulent and I would receive reimbursement. The total amount still owed to me is {$7000.00}. Of that amount {$3200.00} was withdrawn prior to reporting fraud and the additional {$3800.00} was withdrawn from a frozen account after reporting fraud. 

It has now been over XXXX  months and I am still owed {$7000.00}. Citizens Bank claims they are not responsible to refund the money, that the banks where the checks were cashed are responsible. They claim to have sent multiple Emails to the other banks ( unknown which banks ) with no response back. Citizens bank banker has assured me multiple times that by law, the banks that cashed the fraudulent checks have to pay me back, but they are unable to tell me when. I have requested multiple times in person and over the phone to be updated and sent copies of such requests and have received nothing of such, nor the money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late for. 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 account : XXXX XXXX XXXX Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: KY

Complaint narrative:
On XX/XX/XXXX  - XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. XXXX has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
My bank is USAA and it is connected to my XXXX account. I paid another person on XXXX {$650.00}. I later disputed the charge as I incorrectly thought it went through XXXX. When I submitted the dispute through my bank they alerted XXXX and XXXX took the money back from the other user I had originally sent the payment to and sent it back to my bank. A couple weeks ago I received a letter from my bank stating the fraud investigation is done and XXXX proves the transfer was legitimate and legal. Which I agree with. At that point I expected the money to be sent back to the person I originally sent it to. It has not been sent to her as of today. I have contacted my bank and XXXX multiple times trying to find this money. Every time I contact my bank they say their investigation is closed and I need to contact XXXX. When I contact XXXX they always say to call my bank. XXXX told me multiple times that USAA investigated and told them the decision was in my favor but I never got the money back. I am a single mom that lives paycheck to paycheck. I need that money to be found and returned to me or the person I sent it to. {$650.00} is a lot of money for me, and I am in desperate need of this money being returned to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized XXXX  XXXX XXXX  credit card inquiry on my account that I never inquired about or approved. The report was through Trans Union

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 2024-01-04 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: DE

Complaint narrative:
To Whom It May Concern : Re : Non-compliance with Rule XXXX. Requirement of the Original Upon reviewing my consumer report, I discovered Transunion, LLC and several creditors are violating several laws. According to rule XXXX, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. 

The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 

I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 


Thank you in advance. 











Transunion 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

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I am attempting to dispute a collection from XXXX XXXX XXXX with Experian, an identity theft issue over 5 years old that had already been previously removed. 

While submitting new paperwork, their file upload is intentionally onerous and will not accept any files no matter how they are formatted, and their guidelines are inaccurate. 

When I submitted the information in text format because their website wont accept black and White .PDFS or .TIFFS no matter how small or scrubbed they replied by complaining of a omission of a middle initial and would not make a note of the information. 

Accept the document submitted here and

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 2024-01-04 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I borrowed {$1200.00} to start a XXXX XXXX. I have been paying on this card from Chase bank for XXXX  years and the interest rates have not went down. The more I pay the more the payments increase. This has been going on for XXXX  years or more. No matter how much I pay it doesnt make a difference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Prior complaint submitted on XX/XX/XXXX. The Bank reported a credit to my XXXX account of {$280.00} for Homeowners insurance payment overpayment debit. I did not receive any written documentation of the correction and no change to the payment due for XX/XX/XXXX. The correct Homeowners insurance premium payment for XXXX of XXXX was {$1000.00} and not {$1200.00} which was deducted in XXXX of XXXX. There is also a forecasted {$1200.00} overpayment for XX/XX/XXXX. These two errors cause an over estimate of XXXX required to pay the homeowners insurance. I have tried to call to get additional information but service was refused twice. The first time I did not have my Drivers license number. The second time I provided this and was told my ID could not be verified because it was not in their 3rd party XXXX XXXX  XXXX ID verification system. 

I am seeking the following remedies : Written verification of the {$280.00} credit to my XXXX account. Removal of the forcasted {$1200.00} overpayment for XX/XX/XXXX. Updated XXXX payment scheduled reflecting the corrected homeowner 's cost which would reflect lower XXXX account balance requirement. My monthly mortgage payment for XX/XX/XXXX was {$1300.00} and my current statement for XX/XX/XXXX received indicated the payment is {$1400.00}. This is an increase of {$140.00} per month. Could you please explain this increase if the corrections mentioned have been applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NV

Complaint narrative:
Subject : Inability to Utilize American Express Gift Cards and Lack of Customer Service Resolution ( Duplicate Complaint for another card Number : Only a card number was able to be added. I have two prepaid cards : Original COMPLAINT ID XXXX ) Complaint Description : I, XXXX XXXX XXXX currently residing in XXXX, NV, and serving as the XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX at XXXX XXXX XXXX wish to file a formal complaint regarding the issues I've encountered with American Express ( AMEX ) gift cards. 

Issue Overview : Duration of the Issue : Since late XXXX  to early XXXX 
Nature of the Problem : Received multiple AMEX virtual gift cards from my employer, which were initially functional but are now universally declined both online and at physical locations ( including restaurants, grocery stores, and when attempting to add to XXXX XXXX ). 
Attempts at Resolution : Customer Service Interaction : Upon contacting AMEX customer service, no viable solution was provided. The representatives were unable to : Suggest locations for card usage despite AMEX 's claim of universal acceptance wherever AMEX cards are accepted. 
Transfer balances from the virtual cards to a physical card. 
Issue a refund or convert the balance to cash or check. 
Additional Limitations Noted : The cards do not permit partial payments. 
Restrictions on charging amounts close to the total card balance. 
Primary Concerns : Inaccessibility of Funds : The current status renders the money on these cards inaccessible for over a year. 
Misleading Advertising : AMEXs claims of universal acceptance of their gift cards are proving to be false in my experience. 
Potential Consumer Impact : This situation seems to be a broader issue potentially affecting numerous consumers, suggesting a systemic problem with AMEXs gift card policies and functionality. 
Resolution Sought : I am seeking the total balance on my four unusable virtual cards in the form of cash or check. 
My intent is to gain access to the funds rightfully owed to me and ensure that AMEX addresses these significant service shortcomings for all consumers. 

I trust that the CFPB will take this matter seriously and aid in resolving this issue effectively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 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: CO

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 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 2024-01-04 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested XXXX, XXXX, and Transunion delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. 

I requested theses violations be deleted immediately and a written confirmation within 30 days. 

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

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 2024-01-04 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: TX

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-04 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: TX

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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