vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 I am not liable for this debt with XXXX XXXXXXXX XXXX and do not have a contract with XXXX XXXX XXXX. They do not provide me with the originial application like I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
To whom this letter might concern. 

My Name is XXXX XXXX. And I am writing this to inform CFPB, on The level of disrespect, I have received from Bank of America, back in XXXX I filed for unemployment and I never received any letters from unemployment sating if I would get unemployment. So again I filed another one In XXXX, The same thing no letters, no phone calls. I eventually got a job in XXXX XXXX and no longer needed unemployment. 

In XX/XX/XXXX I was preparing for XXXX, spoke to representative that works for unemployment who at that time was helping me file for XXXX, during our time on the phone.The representative informed me that they have been paying me unemployment since XXXX, and I should have received a card from Edd, Bank of America. I than explained to him that I have never received any card from bank of America, XXXX XX/XX/XXXX, I received a card from bank of America. XXXX informed me to call them, so I can request a card, XXXX were sending my payments on that prepaid bank of America card. when I signed up for mobile banking, I notice all these deposits from XXXX all unemployment. I also noticed that the money was being sent to a different bank account, I called bank of America and informed them that It was fraud that happened on my account that I have never seen or done. The area that these transaction were happening was in XXXX XXXX, I have never been to XXXX. and some city 's in California, I live in XXXX XXXX California  I reported the fraud and the amount that was stolen from my account was XXXX that unemployment sent me. Bank of America did not bother to investigate, They sent me a letter stating that they don't see no fraud on my account, XX/XX/XXXX I spoke to a bank of America representative who informed me that on XX/XX/XXXX. That a card was issued out to me. which I never received, They are withholding information on where they actually sent the card. they keep denying the claims and the last time I checked that's breach of contract and holding me liable for something I did not do. there is a policy that Edd has for situations like this and that is zero liability If fraud were to happen on my card or account. I also sent them over a police report but they are not helping me at all I need help!!!!!!!!!!!! 
Best regards 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 2022-08-06 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 I am not liable for this debt with XXXX XXXXXXXX XXXX  and do not have a contract with XXXX XXXX XXXX. They do not provide me with the originial application like I asked.

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 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Around XX/XX/XXXXXXXX Synchrony Amazon Credit Card debt collection on a $ XXXX {$7.00} purchase was sent to my home. My mother would throw them out until I noticed my credit score drastically decreasing. Upon realizing I had an outstanding balance on the Synchrony Amazon Credit Card ( XX/XX/XXXX ) I paid off the balance which had gone up to $ XXXX {$20.00}. The impact this card had on my credit score was drastic.

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 2022-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Dept Of Ed/Nelnet Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of ED/NELNET multiple times and have provided all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at NELTNET and they admitted error and it would be fixed. its been years since I've been fighting this error with NELNET. Account has been paid off and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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 2022-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I deposited a {$20000.00} check at a Truist ATM on XX/XX/22. This is a regular monthly deposit from my business account at another bank which I have been doing for more than 2 years. On XX/XX/22, an " Exceptions/Administrative Hold '' was placed for an amount {$14000.00} till XX/XX/22. This despite the check clearing successfully from the other bank on XX/XX/22 and the funds already debited. In speaking with Truist, I was informed that this was a Large Deposit Hold for 7 days. When I explained that the check had already cleared and I would be unable to pay my bills if the funds were not released, I was informed that there is nothing that could be done. I was also informed that there was no guarantee that this would not happen again. I understand a hold be placed until a check clears but do not understand or accept why this hold could not be lifted.

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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am coming to you for assistance dealing with a Fraud Scam issue. I am a XXXX XXXX XXXX senior citizen that lives alone. I've had a Citibank relationship for 25+ years. I rely on my iphone to pay bills that I review carefully every month. I have minimal computer skills. I have NEVER used XXXX and do NOT have knowledge about it being connected to any of my bank accounts. I was getting a membership with an online dating service : XXXX, when I logged into XXXX I encountered a problem with my XXXX. I enlisted a computer company : Support @ XXXX and a technician fixed the problem. Now I was able to sign onto XXXX. 
Within an hour I received a phone call from XXXX who identified himself as a XXXX representative and told me that my subscription was cancelled, but he would help me reinstate my XXXX account. I agreed to let him help. I do not recall the questions/requests he made of me, however he had me do various transactions with XXXX which XXXX was TOTALLY unfamiliar with. He had me do approximately XXXX XXXX transactions totalling {$8700.00} on XX/XX/XXXX and more on XX/XX/XXXX. He also had me purchase {$3000.00} worth of gift cards.For detailed information please see attachments with Fraud Investigations and Police Involvement.

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 2022-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Equifax has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title 15 chapter 94. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Equifax is operating as a financial institution based off of the relationship that they have with financial institutions.

Equifax has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Equifax did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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:
Requested fraudulent Inquiry from XXXX XXXX on XX/XX/22 be removed. They requested I upload the FTC fraud complaint I filed. Can't upload the document from their website. Does not provide option.

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 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
So, these XXXX contacted me about a debt. They wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) today about it being from XXXX XXXX. Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for sneakerheads YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe SIMM Associates or XXXXXXXX XXXX a XXXX. Stop harassing me. 

I even attached a screenshot of an email of them begging me to apply. Stop playing with me, SIMM ASSOCIATES. You not fooling people with your fake XXXX XXXX rating but over XXXX complaints with XXXX star reviews and stories off XXXX harassing people who are NOT the debtor you seek. Your XXXX rating needs to be an XXXX, right along with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I was given an amex gift card as a donation from a family, I am currently a XXXX XXXX XXXXXXXX XXXX XXXX. This card was addressed " for XXXX XXXX XXXX ''. 

I spent money from this gift card on school supplies. 
Someone committed fraud and theft with my card and spent {$750.00}, wiping my account. The inital amount was {$2000.00} and I had spent around XXXX this year. 

I always had this card on my person. I called the XXXX number on the back of the card. I talked to 2 different representatives and they both quoted me different balances. Initially I had seen a {$0.00} balance, but the next day I saw that it had {$50.00}. I called and the CSR quoted me {$50.00} and said she wanted to lock my account. She said she would send me the {$50.00} but didn't even get my address info. She said I needed to call merchants but locked me out of seeing the transactions. After calling back, I had a different CSR who said he could email my transactions so he took my email, address and phone number. I was given a case #. I've lost a lot of money that was donated for my students. I don't know whether I'll get the list by email or if any help at all. They need to care about their customers and make cards more secure. Someone is stealing gift cards in store or at Amex. Someone needs to care. CSRs should be all giving me the same information not confusing me more. I have attached a screenshot I took yesterday before my account was locked, it sounds like more activities happened and I want an updated transaction list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2022 I used my American Express card at XXXX & XXXX 's XXXX in XXXX, WA. XXXXXXXX XXXX XXXX XXXX  XXXX charges a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2022 Capital One received a cease and desist letter in regards to account ending in XXXX. In this letter I stated that they violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They sent a letter dated XX/XX/2022 stating that they wanted me to contact them via phone and they could not fulfill my request through written correspondence. Capital One violated my federal rights by not contacting the consumer reporting agencies and informing them to remove my that account from them. Also 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after receipt of information after 4 business days. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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 — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2022 I used my XXXX XXXX card at XXXX & XXXX 's XXXX in XXXX, WA. The merchant processed this transaction using equipment provided by Square Inc. XXXX XXXX XXXX XXXX XXXX XXXX a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit application of XX/XX/22 was fraudulent. Contacted Capital One to notify them of the fraud. They updated their file, but the XXXX credit reporting agencies still have the inquiry on file. Requested that they remove the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account xxxxxxx, XXXX Account xxxxxx, has violated my rights. 
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

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 2022-08-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.

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 2022-08-06 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: OH

Complaint narrative:
Multiple accounts have been disputed with credit company and yet they have failed to remove these accounts from my credit file These companies have failed to be able to show proof of ownership These accounts are not mine

Company response to consumer: Closed with explanation