vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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:
this is my seconded compliant, in accordance with the fair credit reporting act. the list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX # XXXX account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX XXXX XXXXXXXX account name : XXXX XXXX XXXX XXXX # XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX XXXXXXXX account namXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXXXXXX XXXX  ( original creditor XXXX XXXX XXXX  ) # XXXX account name : XXXX, XXXX ( original creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 that 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 non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex offered me a new credit card XXXX. Our business already has a XXXX and a XXXX with outstanding history. The advertisement offered included spending {$10000.00} within 3 months of opening to get rewards, however, AMEX declined transactions and, when contacted, informed me I only have left about {$200.00} after spending no more than {$1500.00}. Customer assistance informed card does not have a pre-set limit which is not true as well. Now I have a card that charges {$300.00} for an annual membership, which was offered to me with rewards I can not achieve cause it does decline transactions and set an incompatible limit to the offer and to our business profile. I can cancel the 3 cards under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit. 
They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action. 
By 15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: TX

Complaint narrative:
My account XXXX was blocked in XXXX XXXX .I have attempted to have the block removed by providing proof of Identity .I have even tried to go into an ace check cashing store with a valid Id and have been unsuccessful. They have requested Id, proof of residence, and a social security card. I have submitted all within requested and have still been refused access to the funds that have been direct deposited from SSI. I am asking for help to have then release my money remove this block.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is a business account for XXXX XXXX XXXX at PNC Bank. 

I had a wire come in to this business account for {$85000.00} on XX/XX/2022 from XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX. This was payment for services rendered. 

Because I had fronted monies for this service from a personal bank account, I needed to withdraw this money from my business account at PNC Bank to my personal account at XXXX XXXX XXXX 

On XX/XX/2022 I tried to wire this money to my personal account at XXXXXXXX XXXX XXXX  The transfer was denied from PNC Bank because it was money going from my business account to a personal account. They did not like this because it had been an international wire. 

On XX/XX/2022 I was interrogated by the person " investigating '' the event, the Branch Manager and the Business Manager. I was told I HAD to tell them every detail of this transaction as the bank had a " right to know ''. It was an interrogation which all three of them asking questions fast and furiously. 

The service rendered was the planning and supply of chicken wings from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details should not have been in question, but they were relentless. I was told that it could take up to XXXX weeks for the investigation. 

I had a medical emergency two weeks later which I informed PNC Bank because I needed access to that money. I was told that the decision had been made to close the account and to reject the wire due to the bank not being able to confirm the wire (? ). The wire was to have been rejected on XX/XX/2022 and I was to reach out to my client so he could send me the money again to another bank outside PNC Bank. 

My client had not received the wire as on XX/XX/2022 and neither had his bank. I was very concerned as to why. I reached back to PNC Bank and was contacted by XXXX from their XXXX customer service and was told that " No, the account was not closed, but sill on hold and the wire had not been rejected back to the bank where it came from yet ''? She had no idea as to when it would be sent back and that these things take time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items were100 % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX BANK Account number XXXX Account name AXXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-19 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: KS

Complaint narrative:
I have no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
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 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( 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 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual

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 2022-12-19 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 been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX  Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual

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 2022-12-19 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: AL

Complaint narrative:
In Accordance with Fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX- # XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.

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 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
This complaint is against this online financial institution calls Gemini. I currently have {$58000.00} in their keeping. On XX/XX/XXXX. I initiated a withdrawal for {$2000.00}. Withdrawal is supposed to take 2-3 days. I waited a week, it never came. On XXXX the XXXX. I initiated another with withdrawal for {$1000.00}. Shortly after I received an email telling me that Id have both amounts deposited into my bank account on the XXXX. I gave my landlord a check and paid 8 days late fee ( {$10.00} a day ). The money never came. My account says that its being processed till now. My check bounced and all my other bills are unpaid. I reached out to Gemini ( XXXX  ) via email ( that is the only way they can be reached, conveniently ( for them ). I asked for an explanation. I received a generic email about their withdrawal system being unavailable and the promise that they are working to fix it. Two days later, I sent another email requesting my account be closed and my balance transferred back to my back. I am still waiting. 
So far, Im still able to log into my account and see my balance. But nothing else is happening and no further explanation has been provided. They dont even have to decency to appease people with a live conversation. 

My account is under this email : XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am a banking member of TD Bank with a Checking and Savings account. There were unauthorized charges to my checking account via the debit card and as a direct result of my card being lost and then used without my permission or knowledge. I submitted several disputes as it pertains to TD Banks ZERO Fraud liability for customers and after submitting several disputes and having them denied for reason that were not related to me and reasons that are completely out of my control. The reasons TD Bank cited was 1. The fraudsters didnt try or attempt to access or login into my online bank account. 
2. The fraudsters didnt attempt or try to swipe the debit after all of the funds were withdrawn via unauthorized means.

3. There was NO attempt made via debit card in other countries.

4. I accessed my online banking mobile app after I submitted a dispute. 

I have not only had all of my funds used unauthorized and now after several disputes to the same charges, TD Bank has completely refused to temporarily credit my account while the investigation is underway and completely giving me the runaround as it relates to the dispute. I have filed a police report for this manner and still no to avail, TD Bank is citing and denying my dispute because I or nobody can depict and/or guess the path of a scam artist and fraudsters. Which are reasons that are completely out of my control. I feel that I have been racially profiled and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I had a leased vehicle that I returned to an authorized dealership listed on Ally Auto 's website on XX/XX/XXXX. I never heard from Ally bank ( they held the lease agreement contract ) after I returned it. As this was my first lease, I assumed that was normal. 
XX/XX/XXXX, a repossession agent came to the door looking for the vehicle. I contacted Ally to let them know exactly where the car was returned, with a screenshot of the dealership information including contact info & address. 7 months later, XX/XX/XXXX, I get a " bad debt charge off '' from Ally bank assigning the {$28000.00} balance for the vehicle to me. My credit dropped XXXX points. My husband 's dropped over a 100 points. 
There were several attempts over the course of XXXX from the Dealership General Manager trying to contact Ally .... with no answers. He also thought it was odd that no one was looking for the car to recoup their investment. Despite all this nonsense, I found the car in two phone calls. One to the XXXX at the dealership, and another one to the towing yard where it was eventually relocated. Evidently the car sat at the dealership for over a year. He needed to move it for addituonal room on the lot, so he had it towed to another location. 
Ally Auto never returned my voicemails and only responded to my emails with generic " We received your message. Due to the nature of this request, we need to speak with you by phone. '' I've wasted time and energy trying to accommodate and rectify this predicament only to be ignored. 
I initiated a dispute with XXXX, " resolved, consumer disagrees ''. This seems extremely unethical. They essentially accused me of Auto theft and ruined my credit. Ally knew where the car was located the whole time. The towing lot stayed that they had just received the vehicle within the last week and had just sent a letter to Ally Auto notifying them. The service agent didn't even need the vin number because he knew exactly what car it was. He even stated that the whole situation sounded weird ... ..that the car sat at the dealership that long without anyone claiming 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 explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted an Unauthorized Hard Inquiry Dispute Letter in writing via priority mail, tracking number XXXX, to The Experian Credit Bureau. I Requested that ( XXXX ) Hard Inquiries Be Removed because they were ( Not Authorized ) by me. I contacted Experian Customer Service Dept today XX/XX/XXXX and was informed that the Inquiries will remain on the report unless I submit my fraud complaint to the Federal Trade Commission therefore, I am making this formal complaint as requested because I did not authorize these Credit Inquiries and as a result, I am being denied credit opportunities that I have worked Hard to achieve.

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 2022-12-19 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: Resurgent Capital Services L.P.
State: VA

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 1681. 

LVNV FUNDING LLC XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states 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 that the information is inaccurate.

Company response to consumer: Closed with explanation