vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I bought a {$500.00} Vanilla Visa Gift Card at XXXX XXXX # XXXX. I gave it to my sister as a gift. She was unable to use the card and called the number on the card. They told her only the person who purchased the card could file a case. She gave the card back to me and I called Vanilla. On XX/XX/2022, I opened a case and sent them a front and back copy of the driver license, a front and back copy of the actual gift card, and the original receipt from the gift card purchase at XXXX. They responded and said it was a XXXX issued product ( the card clearly states it is a Vanilla card ) and asked me to send a copy of the receipt. On XX/XX/XXXX, I sent another copy of the receipt. On XX/XX/XXXX, I went to the XXXX where I purchased the gift card and they told me they could not do anything since it was not a XXXX card. When I did not hear back from them, I called Vanilla again on XX/XX/2022 and was told that my claim was denied. When I asked why, they merely told me to call the number on the bottom of the receipt. There is no number on the bottom of the receipt. They would not give me an answer as to why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following

findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-12-13 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: SC

Complaint narrative:
I called XXXX XXXX XXXX at XXXX at XXXX on XX/XX/2022 and they required my full social security number in order to report my identity theft. I received an email from the company that someone was trying to open an account in my name. I was happy to provide my license to confirm my identification along with the last 4 of my social. They were unwilling to accept this instead of my full social to prove that someone has stolen my identity. I'm hoping you may be able to help me.

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: IL

Complaint narrative:
Someone opened a fraudulent account with my personal information in XX/XX/2019 for the amount of {$720.00}. I sent out documents to credit bureaus with this fraudulent 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 non-monetary relief
Consumer complaint received 2022-12-13 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: FL

Complaint narrative:
I have reached out to TransUnion and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected 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 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XXXX has sent verification requests to M & T bank TWICE to verify my account information so they can submit my grant money to bring my mortgage current. M & T has not responded to either of these requests. Their response to me is not acceptable. M & T bank advertises that consumers should apply for state grants to help with mortgage accounts in forbearance. I have applied for these funds in XXXX of 2022 and M & T bank is not cooperating with XXXX. I have already received assistance to help pay for my heating bill thru XXXX and there was no issues whatsoever with the communication between XXXX and the oil company. This needs to be taken care of. My home and my life is not some game!

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2022 I experience issues while trying to receive an instant deposit from XXXX XXXX to XXXX XXXX. XXXX XXXX provided the trace ID and compensation for the instant payment not being received. XXXX  XXXX initially emailed me saying my funds are subjected to being on hold, although XXXX sent this as an instant payment. Being an employee with XXXX XXXX, I called support to get assistance with the deposit not appearing & attempted to provide them a XXXX digit trace number. The support agent informed me this was a charge onto my account and will be released in XXXX days. She mentioned the system didnt acknowledge it as a credit, although my email stated the deposit was subject to hold. In addition, the company turned my Courtesy Pay off from my account. The policy states, after not bringing the account to a positive balance after XXXX  days, you will be removed. Removed and Disqualified are separate things, disqualification happens after XXXX  days. On the XXXX day, I was removed. I requested to be re enrolled XX/XX/XXXX and spoke directly with a supervisor. He confirmed I was enrolled and would need to wait XXXX. After waiting XXXX, I reached out XX/XX/XXXX informing this supervisor my Courtesy Pay wasnt activated. He informed me, he didnt give me the proper instructions and I would need to now request this at XXXX XXXX. It took approximately a week for Courtesy Pay to be active and it was only after sending the email about contacting CFPB. I feel as if I am being mistreated, mislead & the products have been deceptive. I also feel these are intentional acts. Ive been asked for additional verification, in order to get external transfers released although the account hasnt been red flagged for the transfer. Ive been asked to prove I am a Ca resident in order to open additional accounts although I am a XXXX  XXXX employee. I emailed the company asking for a response & my dispute was reversed on my account yet my email has not been acknowledged for products, services, or my appeal that I requested in writing. I have been mistreated as a member and mistreated as an employee.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: IL

Complaint narrative:
On XX/XX/22, I received a letter from First Tech Federal Credit Union that states I have a savings account that was opened on XX/XX/22. I see there was {$10.00} on the 25th transferred in and then back out, leaving a zero balance. 

Upon calling XXXX, I spoke with customer service XXXX XXXX. She requested the last 4 of my social security number which I confirmed and then text me a message with a numeric code to prove I was the savings account holder. 

I conformed the text message to discover via conversation that a previous company I had owned years ago had opened a savings account in my name. I had XXXX flag my account to avoid anyone opening a loan. 

She sent me a affidavit and asked for it to be completed and sent back. It asked for a copy of my driver 's license, social security number and additional personal detail. 

I did not fill it out or turn it in to her because I could not prove I was calling nor speaking to a legitimate company. 

I filed a police report and called XXXX to flag my credit with XXXX, XXXX and XXXX. 

I want this savings account closed without having to provide them an affadavit and relinquish more private information about myself. 

Let me know how you can help me to resolve this issue. 

Thanks!

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis Risk Solutions has failed to remove the XXXX off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the XXXX listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the XXXX XXXX house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX BANKXXXXYour company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( XXXX ) EXCLUSIONS -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
Back in XXXX of XXXX I filed identity theft because someone used my information for a cXXXX XXXX XXXX  and I never lived or was associated with the address. It was removed from my report l. Im XXXX of XXXX it comes back on my report and the I explained to the company and the credit bureau. They still has it listed stating I am responsible for the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NY

Complaint narrative:
I am a natural person I am a living human being and I have the right number 15 USC 1681 Equifax is governed by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts listed below to be removed because according to 15US15 USC 1681 I have the right to privacy and I did not give Equifax written consent permission furnished of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: PA

Complaint narrative:
I used my card on XXXX XXXX at an ATM then later when I tried to use it in a vending machine it said transaction declined. I call customer service which was overseas and the reps were not understandable and I was refused a supervisor. They couldn't or wouldn't tell we why the account was frozen, and they put me on hold which kicked my call out of the system. I went through this several times each day over several days. I also started an email trail which went nowhere but at least I have proof of dates and all I did to rectify the situation. They finally told me my card was fixed and when I tried it in the vending machine it worked, however later I attempted to withdraw cash from an ATM it said my account was in the negative by XXXX USD. There was over {$2000.00} USD in that account, then they said that I reported the card lost ( never happened ) Then they started a claim dispute in my name, but they want me to write a statement listing the disputed withdraws, I can't do this because the account is inaccessible. I am at a lose as to how the ATM withdraws were made after the card was frozen but that is what NetSpend is claiming. 
I really believe they are scamming me.

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 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
CHRYSLER CAPITAL REFUSES TO SEND AN OFFICIAL 10 DAY PAYOFF LETTER BY FAX OR EMAIL TO A CREDIT U ION FOR A REFINANCE LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is not letting good accounts report to my report. There are multiple accounts that have not been showing up on my Equifax report. I called Equifax and was told that the reporting party is not sending info on new accounts to them. So I called each account agency and asked for proof of reporting to Equifax. I have a letter from one account holder and they have been reporting for one year and six months. This is a violation of FTC AND THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
LCI has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my LCI report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time LCI failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet LCI without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights. I have called many times to LCI and they neither provide any support at all to handle disputes or to even remotely speak with anyone to assist when addressing any inaccurate information which they hold and share with Transunion. LCI which is owned by Transunion has violated my federal rights by sharing information directly to Transunion with knowledge of the fact that the federal court house which is the direct data furnisher is not enrolled or subscribed with Transunion nor shares its data with anyone. I have given no consent to LCI, XXXX or any other 3rd party vendor to share my information.

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