vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/22 I purchased two {$100.00} XXXX gift cards from XXXX XXXX XXXX store on the corner of XXXX and XXXX in XXXX XXXX, XXXX When I got home I went on the website to activate them but when I did it said that the number was not good so I tried the second one and it said the same. So I called the XXXX number on the card but they told me they could not help me because you can only activate it on the website. So I took the cards back to the store and told them what happened and they checked to make sure that the money had been put on the card and it had. So they gave me a reference number and told me to call the XXXX number again and give them the number. So I did and they said reference number they still could not help me so I asked to speak to a supervisor and was told that a supervisor couldn't help me either but I again asked to still speak to one and they refused. So I called the phone number on my receipt and explained my situation and they said that there was nothing that they could do only XXXX can fi the problem. So I went on line and and found XXXX gift cards and found a phone number. So I explained my problem and they said they were sorry but all they did was transfer to other people until they transferred me to the original people who wouldn't help me in the first place so now I'm out {$200.00} dollars. I hope that you can help me. I am very frustrated. 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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or Speedy Cash. I have asked XXXX XXXX XXXX to provide me with verifiable proof to include my signature. I have been told by agent at XXXX XXXX XXXX they do not have to provide me with verifiable proof with my signature. 


This is not my debit and this collection agency is not licensed in the state of XXXX  nor is there a office in the state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: VA

Complaint narrative:
There are fraudulent accounts being furnished on my credit report.

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 2022-04-21 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 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 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

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 2022-04-21 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 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 2022-04-21 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: VA

Complaint narrative:
There are fraudulent accounts being furnished on my credit report.

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 2022-04-21 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:
There are fraudulent accounts being furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My name is XXXX XXXX, I am writing this complaint on my own behalf - there is no third party involved. On XX/XX/XXXX, I received a written statement from Capital One addressed to XXXX XXXX XXXX for an alleged debt. I am filing this complaint to further validate this alleged debt, and identify who the original creditor is connected to this consumer credit transaction. I do not consent to the allegation of reasoning behind why XXXX XXXX would be receiving statements, until the proof of validation for the full disclosure of this debt is provided. On XX/XX/2022 I have sent a Validation of Debt Letter and Cease and Desist letter to Capital One to receive LAWFUL VALIDATION behind this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2022 received bofa determination letter stating there not liable for unauthorized transaction of {$5000.00} due to timeframe of filing over a year. in reality it was filed within timely manner but due to bofa rep error of not understanding filing process between transactions and transfers later found by another bofa rep while I was informing on claim he had to refile the transfer claim process in order to be valid. also mentioned he noted on claim error was on bofa rep claims.

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 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On or around XX/XX/2022 I disputed some fraudulent unauthorized transactions with Navy Federal that was caused by XXXX XXXX XXXX XXXX. Navy federal reply was that they investigated my claim but was unable to process it in my favor because their Debit Card disclosure requires that I report my disputed transaction within 60 days. Knowing that there is no statute of limitations on fraud and if so ten-years ( 18 USC 3293 ). I request that Navy Federal restore any funds withdrawn from my account without my consent or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
This complaint is regarding a collection/charge off reported on my XXXX XXXX credit report XXXX acct # XXXX for XXXX XXXX XXXX it is a collection/charge off for {$1200.00}. Who is a company they are trying to collect a debt for, however this information is inaccurate, and this debt does not belong to me. I have tried to reach out to the company several times for an explanation/investigation but have been unsuccessful, and i would like the collection completely removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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 XXXXXXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was unfairly charged for overdrafts on an account that I didnt have overdraft on. The last activity on the account was I withdraw {$20.00} more then what was in my account at an atm and they charged me an overdraft fee plus the {$20.00}. I tried to close the account however they wouldnt close the account until I brought it out of the negative. A few monthly later I received a letter from Wells Fargo crediting my account back the overdraft fee and the {$20.00} in the total amount of {$70.00} that I currently owed bringing it back to {$0.00} and closing my account. Well it has been about a year and a half to two years and I just received a letter saying I not only owed the original {$70.00} now I owe {$170.00} and it was sent to collections. When I called they told me the overdraft was due to my second to last transaction where I sent a friend money on XXXX not the last transaction at the atm denied ever bringing my balance to XXXX or ever closing my account. They told me the new fees were for a monthly membership continuing to charge my account that I know will cancel the subscription before overdrafting plus my account wasnt charged In the months before the letter stating they closed my account and plus I was paying the fee from my new bank account. So they lied about me that

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 2022-04-21 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: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-21 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-21 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: NJ

Complaint narrative:
There is fraudulent and inaccurate information being furnished on my credit report.

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 2022-04-21 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: NJ

Complaint narrative:
There is fraudulent and inaccurate information being furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: WI

Complaint narrative:
Experian continues to list false addresses, false ssn and false spelling of my name. Experian has also reported someone else account as mine. I asked how they verified this info and they have not sent me any reply.

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 2022-04-21 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 Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-04-21 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:
This complaint to XXXX was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-04-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number # # # # XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate 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 2022-04-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXAccount Number # # # # XXXX XXXX XXXX XXXX XXXX XXXXAccount Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate 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 2022-04-21 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: FL

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation