vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: NV

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX **** has violated my right.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 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 explanation
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
I am a natural person, I am a living human being and I have rights under 15 USC 1681. 

Transuion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed/deleted. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 


Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # 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 2023-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Harris & Harris LTD did NOT stop contacting until after I submitted complaint, XXXX, to the CFPB. I reviewed multiple calls and kept the call logs after telling them i didn't owe the debt. Calls did not cease and i kept getting voicemails from the " same '' person but it really wasn't that person. They closed my original complaint without addressing the real issue after continued abusive and fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to the credit bureaus regarding errors on accounts being delinquent and they are not. There are also addresses where I have never lived. The bureaus " verified '' everything, which is wrong and should be illegal. The negative and false reporting is hurting me as a 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was closed after I tried sending money to an account in XXXX as a payment plan for an apartment I was buying there. They say they will release the funds after they get information, I mention that I am dual citizenship and my english name is legally XXXX XXXX as I was transferring from my XXXX  account under name XXXX XXXX. I don't know whether its because of discrimination or another reason but as soon as they heard this they put my funds on hold. 

After two months of desperately trying to contact them and supplying all necessary documentation including passports, legal name change in the XXXX signed off by a judge, copies of the XXXX  nationality act showing my name change and a legal name change document. They finally signed off on releasing me my funds on XX/XX/2023. I spoke with my case manager XXXX who told me I could go pick up a cashiers cheque from the nearest branch as I came to America specifically to pick up the cheque. He told me it would be released to branch XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was told by my case analyst that the funds would be available by Tuesday at this branch, It is Thursday right now and I am leaving tomorrow and they can not give me my funds. 

My property developer foreclosed on my apartment because I couldn't pay because Citibank had my life savings so I LOST {$72000.00}. 

I drove 2 hours here and they are now saying they have received nothing and they don't know where my money is. I spent {$3000.00} on this trip to America simply to get my money, not to mention all the immense stress I have been put under. 

They also said today in branch something along the lines of 'the funds should've been sent back on XX/XX/XXXX when you issued the recall, because the Citibank ERU said they signed off on a recall, I don't know whether this was a lie or a mess up on their side because my bank confirmed they received NO response ( attached message from my XXXX bank when I tried recalling the funds ) I have filed three complaints and now I am going to have to buy another flight back to America just to get this money, this is incredibly stressful and on top of it all I have a XXXX tax bill which I can not pay so I am getting fined because Citibank has effectively just told me and i quote 'we don't know where your money is '. 

I need that money, please help. This has been a major stress on me for 3 months now as that was y life savings and my future and because of Citibanks incompetence I have lost everything and I have been lied and lied to and it is all on recorded lines as well. At this point I just need my money in the account which is around {$25000.00} wired to my account in the XXXX or a cashiers cheque in the US or them to recall it to my sending bank also in the 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 2023-05-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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:
When it comes to the following Credit Bureaus [ XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/ I needed to log into my existing membership account with Experian to lift a credit freeze which I placed on the account through their online website. 

I could not log into my online account with Experian. I could not recover my username or password through their online processes as their website indicated that my SSN and birthdate did not match. This left me with other option than to contact Experian via telephone. I called every customer service telephone number provided by Experian and in most every call their automated phone system would not connect me to a live person / agent and directed back to their website to reset my username and password. Somehow, after 30 minutes of multiple calls to their customer service dept., I was connected to a live person/agent ( I have no recollection of how I got to this person ). I was told by this agent that my membership was no longer active and as such my online account had been disabled ( I had never been notified of this previously ). I was not told why my membership was disabled. To reactivate the membership I was then required to go through a series of unfair security questions, which apparency required that my responses were 100 % accurate in order for my membership to be reactivated over the phone. I was asked 6-7 extremely difficult questions by this agent who spoke very poor English and was hard to understand. Despite what I thought were correct responses to all of the questions, I was denied access to reestablishing my membership. I was then told that I in order to reestablish my membership I needed to send copies of my Social Security card, driver 's license, and a recent utility bill with proof of my home address to a physical location for Experian in Texas by US mail ( How insecure is that! My SS card, driver 's license, etc. being sent in an envelope by US Mail to Experian ... what a joke and a completely dangerous manner of keeping my personal information secure ). I was not told what would happen next other than upon receipt of this information I would be sent an email or receive a telephone call regarding my membership. 

I'm XXXX XXXX old and I have never experienced more frustrating and poor customer service by a company that should be here to serve its customers. Experian has exceptional control over our personal information and credit reporting, yet they make it next to impossible to get access to our personal information via their online website or in speaking with an employee in their customer service department. 

This is unacceptable and needs to be changed. Experian is holding consumer information hostage from the very people who own the data and need it to fulfill their personal and financial obligations.

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 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
I have qualified for a {$100.00} bonus from Marcus Goldman Sachs. 
I am being denied because I did not keep my complete funding balance of {$10000.00} in my online savings account ending in XXXX. 
I DID keep the required amount ( {$10000.00} minimum + account balance at XXXX XXXX on enrollment date= {$0.00} ) as defined in https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details much longer than the required period. I spoke to marcus rep XXXX  and marcus supervisor XXXX on a very lengthy recorder call XXXX case # XXXX. Though both repeatedly read to me, as I read to them directly from https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX  ET the day you enroll. " They repeatedly agreed with me, on the recorded call, that there was NO WHERE in any document that there was a requirement of keeping the full deposit amount in the account. The requirement is clearly stated to be the starting current balance reflected on theaccount at XXXX XXXX  ET the day of enrollment ( {$0.00} ) + a minimum of {$10000.00}. 
I am requesting the {$100.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
My ex-fianc and I purchased a timeshare when we were together, and we have been separated since XX/XX/2021. I never used the timeshare, but my ex has used it multiple times. I spoke to someone in XX/XX/2021, and they stated that if a get a letter from my ex stating that he will take full responsivities of the timeshare that my name will be removed from it. I did ask they requested, and my name is still on the timeshare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Pay restricted my account without any reason, contacted them to verify my identity and even after verifying my identity they told me they closed it permanently and couldnt tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2023, I received an email from PayPal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' I called XXXX, and refused to explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: MO

Complaint narrative:
I've been receiving miscommunication on processes and timelines for receiving my payout for a process that I was told I would be able to " go around '' if I closed the accounts. Today, after multiple phone calls and " escalations '' I received an email after have confirmed multiple times that my accounts were already closed that they are closing them today and that my account is under review AFTER I've submitted their requested documents reluctantly. Today the person I spoke with shared with me that I am wasting my time because there is no timeline in sight for a resolution and if it did take three months to a year, it would have to take that long. I initially educated on a 10-15 day timeline. Once I called back to follow up, I was then given a 1-2 day timeline for their team to review my documents. Now I'm being told there is no resolution in sight. None of this makes sense when I paid off my accounts. I was educated that this process would take 10-15 days and now I'm being told there's nothing that I can do to receive my money back from a service they offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IN ACCORDANCE WH THE FORA THIS CREDITOR XXXX XXXX XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE. 

15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I recieved a email from avant. I never received a card and it was marked as fraud. I was told the matter was handled multiple times XX/XX/XXXX I recieved a past due notice from avant about the same account stating I owed them XXXX dollars even though there was no account no credit card issued or turned on and it was marked as fraud 2 years prior. I've emailed and called multiple times and nothing is being done. 

For clarity I didn't have and avant account I do not have an avant account yet I am getting pass due notices for an account that didn't exist and was supposed to be fixed with the fraud department 2 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
I tried to open a savings account online, XXXX XXXX  took photos of my license and myself, then DENIED me an account. So I telephoned bank and they said the license was blurry and asked me to RETAKE the photos, So I did that. Then it got denied again. The drivers license has a watermark on it that shades the writing, but it is still readable. But the computer still said no and the man on the phone could not overwrite that decision. So I ask the bank to delete all my photos, my birthdate, my SS number. The Bank Rep sent me to a link for that request. HOWEVER. after completing that request I was sent to this website : XXXX XXXX XXXX The website replied : '' We are unable to process your request at this time. Only California residents are granted additional privacy rights under the California Consumer Privacy Act. For more information, see our Online Privacy Policy and Privacy Notice. '' This is unacceptable. They REFUSED TO DELETE MY PERSONAL DATA. This is IDENTITY THEFT! I am a CPA, have a credit rating of over 800 and am debt free. I am really upset by this banking entity 's invasive proceedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My personal identifiable information was leaked and compromised in late XX/XX/2023. On XX/XX/2023, I received an email for an order placed with XXXX for my Old Navy Barclays credit card. 

I immediately noted that there were unauthorized transactions on my Old Navy Barclay account including one for {$1300.00} ( there was another transaction on the same day, XX/XX/XXXX that was to same vendor and over {$1000.00} that they blocked but they let the XXXX go through ). I disputed the charge with Barclay and sent them information and my dispute has been denied 3 times. The rationale is that the merchant has matching information to my identify. I have let them know that it will match because my information was stolen, and they would not have been able to purchase on my card if they did not have matching information. 

I have a receipt that includes the email where the XXXX tickets went to ( not mine ) and filed a police report. I don't think Barclay is being fair and currently that charge is still on my account. This may be potential UDAAP and Reg Z issues. 

Can the CFPB please assist me in resolving this matter? 

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 2023-05-18 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: CA

Complaint narrative:
Experian keeps showing child support and it's been more than 10 years

Company response to consumer: Closed with explanation