vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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:
In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores XXXX # XXXX XXXX ) XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) I XXXX XXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The PNC Bank and affiliated credit cards services failed to provide me with the amount due under the promotional offer for their Cash Reward Credit Card to which I subscribed in XXXX of XXXX. 

I complied with the requirement of making above {$1000.00} in purchase per statement for the 3 first billing statements after opening my account. 
Such compliance was verified in Bank branch and on the phone with a credit card representative. 

The payment of the {$200.00} promotional reward offer should have been made on XX/XX/XXXX, after completion of the offer. 

Seeing nothing on my account, I decided in XXXX of this year to check in branch what was happening. There we called the credit card services who said on speaker that the amount should be credited on my XXXX bank statement. 
In XXXX, seeing nothing on my account, I went to the bank branch again, and there they told me that some delay were present, and I should wait until XXXX. 
Then my XXXX statement came, and still nothing. I decided to file a complain with the credit card department, who reached to me earlier this week, and told me that it should appear exactly on XX/XX/XXXX. 

As of today, the promotion still was never credited on my account, and I spent more than XXXX dollars for nothing, as I did rely on the credit card offer to open my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 XXXX/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. To my knowledge, I have never had owed money to Bank of America. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from Bank of America including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my XXXX report. 

I have attached documents to verify my identity

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 2022-06-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX {$6600.00} Term 51 months ( 4 years ) Closed account Effecting my credit and abusing my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 602 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 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Signed up with Venmo and used their services a few times. Someone sent me money and all of a sudden venmo froze my account asking for my ID even though my account was already ID verified. I sent that in and also sent in my bank statement just to show them I'm me. They closed my account with MY {$160.00} IN IT!! Now they say I have to wait 180 days and then I MIGHT GET MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: OH

Complaint narrative:
I have a pre-qualified vehicle financing letter for my business, XXXX XXXX for XXXX XXXX XXXX! It was issued XX/XX/2022 by XXXX XXXX. 
As of the XXXX day of XX/XX/2022 XXXX sales representative fraudulently used a report from an unknown source for denial of my grantor extended consumer credit, if my XXXX XXXX  Trust number was used XXXX money was removed this is theft committed by XXXX I never used a fraud credit reporting system because there is not one for a legal mechanism for privacy see 15Usc 1602 Truth in lending, see 31 Usc 9304-9308 authorized bond officials/residential agents REMDEY BY A Competent jurisdiction necessary 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 2022-06-18 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account name : XXXX XXXX, Account # 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 non-monetary relief
Consumer complaint received 2022-06-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX, 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 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, 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 2022-06-18 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

XXXX5 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 2022-06-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # 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 2022-06-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv 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 2022-06-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXXXXXX 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 privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv 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 2022-06-18 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: FL

Complaint narrative:
I was scammed for {$3000.00} by someone that supposed to be a lawyer. I did not receive the service this guy supposed to have given me, which was to file a law suit for me against this company for personal injury. Twice Capital One told me to fill out this dispute paperwork for the {$3000.00} charge made on XX/XX/2022. The last time I filled out the paperwork and sent to Capital One was on XX/XX/2022. On XX/XX/2022 they told me returning the paperwork on XX/XX/2022 was outside the 180 days window from the original date of XX/XX/2022. It is too late to continue the dispute. This is not true. They lied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
id theif reach to have item remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
id theif reach to have item remove

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 2022-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I got email from Discover on XX/XX/XXXX saying my account was blocked and I needed to call their security team immediately. I did so and waited for more than 3 hours on line while nobody answered and was just cut off. 

I tried multiple times from Monday to Friday from 8am to midnight, and waited for many hours on line just to get to talk to a human. There was no one to answer the call for this whole week. My savings account totally disappeared from my online banking and mobile app. 

I saved all my money in discover savings account, and now I can not access it and can not make any payment while no agent can help me solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear, Bureau of Consumer Financial Protection ( CFPB ), Re : Dispute [ ing ] credit report error [ s ] I'm writing to request that the following information on my Equifax consumer report be rectified : On XX/XX/2022, XXXX 's XXXX XXXX reported the consumer 's Equifax credit score of XXXX, which was used to purchase a new automobile. However, my credit score is XXXX, according to my Equifax account as of XX/XX/2022. 

A XXXXpoint gap is concerning, and we need clarification on the cause and resolution of this documented disparity. 

If more information is needed to remedy this issue, please let me know. 


Respectfully your 's, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account 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 also states a consumer report agency can not furnish an account without my written instructions. 

The company also refused to validate the debt and send me proof the balance is accurate in writing on our phone call on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
I have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX  representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.

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 2022-06-18 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 have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.

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 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the Bank of America location in XXXX XXXX ( XXXX ). I deposited {$5000.00} into the atm for my account ending in XXXX, I realized that I was depositing into the wrong account so I canceled the transaction and received my {$5000.00} back from the machine. I then tried depositing all {$5000.00} into my other account ending in XXXX. The atm only accepted {$4900.00} and returned {$50.00} to me. When I confirmed my deposit the machine jammed and gave me a slip to contact customer service. This happened on XX/XX/XXXX between XXXX to XXXX PST. 

I called customer service on XX/XX/XXXX and they said they would open a claim. They gave me a temporary credit of {$4900.00} in my account on XX/XX/XXXX. I received a letter from them recently which was dated XX/XX/XXXX, in which they said that they have concluded their investigation and will only be refunding {$1300.00} to me. They also stated that they will debit my account for the difference of {$3500.00}. They state that the {$1300.00} is meant to be the final and permanent refund and they will be closing the dispute. 

This is completely unacceptable. This was a mistake that was due to their atm machine and there is no reason why I should take a loss for 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 monetary relief
Consumer complaint received 2022-06-18 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account name : XXXX XXXX, Account # 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 non-monetary relief
Consumer complaint received 2022-06-18 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account name : XXXX XXXX, Account # 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