vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/2021 ( all XXXX bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. I am trying to buy a new home and was shocked to see this, as my payments are always on time. Thank you

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 monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express has violated my federal consumer rights under title XXXXXXXX XXXX XXXX. The account I had was open by me using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) which is my social security card. This company does not have a right to close an account that belongs to me and was opened by me. I did not give consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MD

Complaint narrative:
You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( Consumer )

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 2022-02-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( Consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I now have proof regarding my prior complaint against Capital One. I will attach it. 

It proves that they were refunded by the merchant in XX/XX/XXXX. Here it is nearly XX/XX/XXXX. That's the vast majority of a year later, but they still have not voluntarily refunded me. It is incredibly unbelievable and I wonder if they have also screwed me over in other ways which I have not caught. 

I have given Capital One XXXX XXXX more than ample time to resolve this but they just respond " Take it up with the merchant '' and wash their hands of it. In the mean time, they are reporting to all XXXX credit bureaus that I have exceeded my credit limit ( even though I truly have not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: PA

Complaint narrative:
While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.

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 2022-02-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple debts being reported on my Equifax credit report without an original creditor listed. After multiple times of disputing the accounts with Equifax, simply stating the account did not have an original creditor or agency listed in order to validate the debt nothing has been done to rectify the current inaccuracy nor has there been any removals of the accounts that are listed incorrectly. 

These accounts are also being duplicated ( see attached letter mailed directly to Equifax ) I have not received mail or responses regarding these accounts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a federally protected consumer.This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is a violation pursuant to 15 usc 1692b ( 2 ). These all are violations of my consumer rights under the FDCPA. This company has called me 11 times from XXXX, left voicemails ( I have the proof with transcripts ) and has sent numerous letters. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 11. Citibank has been utilizing robocalls without my consent to receive these calls which is illegal. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In late XX/XX/2022, my spouse mentioned to me that her account was getting a XXXX XXXX  monthly fee and it was eating up the little savings she had in the account. So on XX/XX/XXXX, I wrote a check from my account at Citibank to deposit in her account which is also at Citibank. I checked with her daily to make sure it had been deposited and today I found out the check had been returned and her account assessed a {$12.00} fee. When I asked about why the item was returned I was told initially that my account was frozen which turned out to me false. A second customer service representative then told me that I had not " activated '' my check book in order to write checks so any check I wrote would be rejected. I couldn't find any reference in my account agreement, online, or on my check books to any requirement to " activate '' my checkbook. I tried searching the citibank website and the web generally and only found ways to activate a debit card and complaints from other people about getting their checks returned and facing fees from other companies. On top of that, the customer service person I spoke to couldn't figure out how to activate my checkbook either. This seems to me to be a deceptive and or unfair practice under XXXX. After a third call I was able to get a rep to refund the fee on my wife 's account, this rep also had no idea about activating a check book. But could you imagine the headache of what would happen if you got that check rejected at a store? Well the complaints I found online certainly got to experience that. End of the day I had to waste a ton of time to get the refund and now I want to close my account. Oh but wait, I can't write checks still because no one can activate my checkbook. If I try to close my account Citi will take 15 days to send me a check. I tried to set up an online transfer out of the bank but I am limited in how much I can remove each month. So my money is stuck at Citibank for at least two weeks. The banks practices here need some scrutiny. They are harming consumers with this activation process that is not standard in banking and comes with no notice.

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 2022-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello my issue to start off is Im in my XXXX and to use the computer is almost impossible until my niece comes to help me now iv had my capital one since XXXX and am on time with my payments now I understand I had not used it for a good six months but I sent in the supporting documents with non of my info or email changing and got my card unlocked XX/XX/XXXX then they locked it 3 days later and have sent in all supporting identifying documentation Id passport birth certificate taxes ect and about 10 -13 times not late on one payment and they refused to unlock my card or shut my account please all I ask is for one of them I feel I deal on this same topic daily with my capital one Walmart XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hello my name is XXXX XXXX. Over the last 6 months I have applied for a checking and savings account both personal and business, and I have been denied for no real reason. Everytime I've been denied it's due to some incorrect data being reported by XXXX or XXXX  XXXX  XXXX XXXX. 
I have reviewed all three credit reports and literally nothing is on any report period with regard to a financial institution. I do not have any delinquent accounts. 
Next I can not even get a business account with my EIN or UBI number. 
The company is spotless and has enough assets to qualify for an institutional client at a private bank yet I can not find a place to store my money or conduct buisness. 

Against privacy policies my internet is logged, my ip address is stored at various financial institutions, as well as all of my like my address or email info and especially my SSN. 
I am being treated like I am a criminal or a terrorist, who is being scrutinized watch and monitored. This is all but breaching my civil liberties. I have not consented to any treatment or information sharing. 
Yet that is the only explanation for the inability for me to open any sort of account. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX checking XXXX XXXX XXXX I can go on. I have been denied from every major or otherwise financial banking institution, and I owe no bank. 



This is wrong and highly questionable.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/2020 I visited Kia Motors to lease a new car as my previous lease was about to expire. I learned that the sales manager submitted XXXX credit checks on the same day. 
This has had a negative impact on my credit rating.

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 2022-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Transaction date : XXXX XXXX, XXXX XXXX name : XXXX Disputed amount : {$4900.00} Reason for dispute : merchant claims they never received the return. 

Apple card rejects my case and sends a letter in the mail stating the merchant never received my return. ( See attached doc ) Apple card closed this case XX/XX/XXXX stating " The XXXX evidence states the Customer initiated a return and returned the item to the XXXX outside of the return window timeframe. '' PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Dispute : XXXX Apple Card closed the re-asserted case XX/XX/XXXX with a different reason " The Merchant received the merchandise on XX/XX/XXXX, and shipped the merchandise back to the XXXX " PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Apple card Goldman Sachs keeps changing the reason why they won't refund me and continues to side with the merchant without providing me any evidence from the merchant. THIS IS COMPLETE FRAUD. Each time I send them new evidence to disprove their claims, they change the reason why they can't refund me! 



APPLE CARD GOLDMAN SACHS HAS NOT PROVIDED ANY EVIDENCE THE MERCHANT SENT THE ITEM BACK TO ME VIA MY MAILING ADDRESS NOR HAS GOLDMAN SACHS SENT ME A LETTER IN THE MAIL STATING THIS NEW CLAIM. 

APPLE CARD GOLDMAN SACHS IS COMMITTING FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NV

Complaint narrative:
Experian will not remove address that I was never associated with also tried to dispute account it was fraud and they won't remove address in question is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX nevada when I spoke with experian they said they would have to inform creditor of my other addresses which is against the 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 explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I recently tried to deposit a check in the amount of {$23000.00}, however Pentagon Federal Credit Union ( on XXXX seperate occasions ) refused to deposit the funds into my checking account as requested. I can only assume employees at this bank chose to do this simply because I'm 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 2022-02-25 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: FL

Complaint narrative:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over XXXX days and you are still reporting these items without permission and that 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