vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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: LEXISNEXIS
State: MN

Complaint narrative:
XXXX and Lexisnexis could you please tell me how come two different credit reporting agencies are reporting two different court case file numbers on a public record bankruptcy! Lexisnexis on XXXX you certified to me and the CFPB that you had verified that that XXXX was the actually case file number! ( See your letter ) I disputed with XXXX they certified to me on XX/XX/2022 That you had verified that XXXX was the actually court case file. Please explain to me how can one XXXX  XXXX have two different court case file number? 
I have attached a copy of your letter and XXXX  report. Also review in fine print XXXX  lists you as the 3rd party vendor who claim you verified there dispute! I will be awaiting your response. 
Please remove this from your credit file and XXXX credit file due to the fact its no way again one court filing docket number can have two different case file! 
I do not believe that you conducted any investigations Please explain in great details as to how you are verifying two different court docket number for 1 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 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 2022-12-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a dispute registerd mail with return receipt ( stamped received XXXX XXXX ) to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute was just opened today XX/XX/2022, after receiving previous Cfpb complaint about the investigation never being started

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 2022-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a savings account with Citibank when they offered a promotion to receive a {$450.00} bonus. I deposited approximately {$200000.00} into the account in XXXX and XXXX from other financial institutions. I made a single wire transfer out of the account for approximately {$120000.00} to purchase a vehicle in XXXX. 

On XX/XX/XXXX I logged into my online Citibank account and it stated my savings account was blocked. I called customer service and they told me they are planning on terminating my account in 30 to 60 days after which they will mail a check for the remaining balance. Citibank refuses to provide me with my account balance or how much money will be refunded to me. Agents of Citibank now just hang up on me and my wife when I call them. 

The promotional {$450.00} bonus was highly misleading and appears to have been a ploy to entice me to make a large deposit into the bank only for the bank to hold my money XXXX and profit off of me. They are trying to force me into giving them an interest-free loan for 60 days. I have no idea when or if they will refund me the balance of my account.

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A Wire transfer of {$23000.00} was initiated online on XX/XX/2022, from our corporate account, XXXX XXXX XXXX XXXX, ( XXXX ) to another corporate account under the name of XXXX XXXX Wire transfer was unsuccessful and OFAC was cited as a reason by supervisor in Citibank Wire department. 
All available information requested has been provided. We subsequently canceled the wire transfer on XX/XX/2022. To date our funds have not been returned and reason is that XXXX is not able to provide ownership details of XXXX XXXX XXXX is neither obliged nor expected to know ownership details of XXXX XXXX and is not a valid reason for Citibank to withhold the funds of {$23000.00}. These funds are urgently required by 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 2022-12-30 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: NC

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiry not mine 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 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
this company have been continually calling me and once I told them to stop, they started to email me. I have explained to them several times, that I did NOT open this credit card. Even the name of the company is suspicious. I have other credit cards, that are in good standing, and I have asked them to provide me with a contract, a statement that itemize where I spent the " suppose '' money and they have never responded, just trying to settle the debt. It is also curious for me that it has been removed from XXXX, and XXXX, but they continue to report it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by some who claimed to do investment in XXXX XXXX. I was made to wire transfer the amount from my Wells Fargo account to XXXX  account where it was sent to the platform called XXXX XXXX XXXX which trade on XXXX XXXX. 
I reported the Incident to the police and both the Wells Fargo Bank and XXXX but have not been helped in getting backy money. 
I lost everything saved and this has cost me huge credit card debts

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 2022-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
The company ( ies ) ; Capital One, XXXX, & REI were contacted by me on multiple occasions. When I first received the card in XXXX it had the Capital One World Elite XXXX XXXX to Benefits with it. I still retain a copy of this. I called to specifically ask them about the XXXX XXXX XXXX XXXX XXXX as I was planning a trip. I was bounced around between Capital One and XXXX indicating that they would get back to me. The following month before my trip I tried again and again was not getting this service that was indicate as part of my card benefits. I finally had to go on my trip without these. But the final straw was in using the card a few times during my travels I was supposed to get {$100.00} gift card from XXXX. I called them ( Capital One & XXXX ) and was told that it would come in XXXX. It never arrived. In addition to this the statements that I received from my charges ( which I always pay promptly at end of period ) showed different XXXX interest rates from what I was told I would get upon opening the card account. I was told my card account interest rate would be 18 %. My first statement that came in XXXX ( for XXXX charges ) showed an APR of 22.49 %. The next statement that came in XXXX ( for XXXX charges ) showed an APR of 23.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Account is closed and is showing as open on my credit report. They are also continuing to mark payments as missing or late when the account is no longer even with this company and it is closed. They also have been harassing me over the phone calling from different numbers multiple times a day, even though I am on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Stop removing this acct from XX/XX/XXXX. This was fixed and now its wrong again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I disputed a charge with my financial institution over a month ago because an XXXX driver tried to scam me out of {$150.00} for a fraudulent cleaning fee. XXXX canceled the fraudulent charge and my bank canceled the dispute. I have been trying since XX/XX/XXXX ( it is now XX/XX/XXXX ) to try to get my XXXX XXXXXXXX out of my Venmo account so that I can pay my bills with no resolution. I have provided the necessary paperwork and my financial institution has contacted them directly multiple times. They will not tell me when I will be able to access my money and have suspended my account. I was a victim of fraud and Venmo is doing nothing to resolve this. I have submitted many support tickets with no resolution. I have been unable to purchase XXXX gifts or pay my medical bills due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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 Experian, XXXX, and 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violations. 

According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX  has be verified as accurate and updated but yet hasnt updated status as disputed and Experian has the account listed as open when its closed. Evidence provided below

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 2022-12-30 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: FL

Complaint narrative:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-30 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: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX 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 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 2022-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America is failing to acknowledge that I am a victim of identity theft after it was made aware multiple times through various means. Today XX/XX/2022 at XXXX XXXX. I have received an email stating that I have opened up a new account ending in XXXX which I did not do. Since XX/XX/2022 when the unauthorized XXXX transaction took place in my checking account at Bank of America I have reached out to them and made sure to request that they no longer offer any service or good or open any accounts through the phone or online as they are not made by me and that they are fraudulent. To this day I am still waiting to be refunded back the unauthorized {$3500.00} that was withdrawn from my account through XXXX. This is not the first time an account has been opened up to my name with the Bank of America, there was a business advantage checking account which was opened the day I went in-person to make them aware of the fraud. Bank of America failed to honor my requests and continues to cause me financial, physical, and mental damage.

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 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
The Upgrade Card is personal line of credit that works like a credit card. The company guarantees that customers will never be held responsible for fraudulent charges. I reported fraudulent activity to XXXX on XXXX separate occasions. The first occasion was around XXXX XXXX XXXX for multiple transactions in the amount of {$490.00}. The second occasion was for fraudulent activity on XX/XX/, for multiple transactions in the amount of {$1200.00}. I gave the company my statement several times on the circumstances surrounding me losing my card. I even went to file a police report on the fraud on XXXX XXXX XXXX. I am not responsible for this fraud, yet the company is still holding me responsible. I need the governments help to get this money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-12-30 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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