vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I received a loan through Affirm Financing and was due to get a refund from them for a loan with XXXX. Two of the refunds were refunded to a closed checking account. The date of the refund was XX/XX/2022 and the amounts were {$270.00} and {$86.00}. I can supply bank statements for the account with a debit card ending in XXXX, as well as correspondence from XXXX Bank stating that the refunds were not accepted as the account was closed. 

The loan ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank has not refunded me money from my closed checking account where XXXX funds were stolen. I filed a dispute twice about 3 amounts that were taken from my checking account. {$420.00}, {$360.00}, and {$620.00} These thieves hacked my account deposited money and then withdrew it. This type of fraud is covered under regulation E and the bank is supposed to restore money to the customers. Citibank is an XXXX bank and customers ' money is insured. 

Citibank needs to refund my money back from this stolen XXXX fraud. {$1400.00} is what Citibank needs to refund me. Customers can no longer see their accounts and Citibank should send me a copy of my bank statement.

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 2022-03-12 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: TN

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Misleading false reporting this account is negligently and inaccuratly reporting failing to comply to 15 USC 1681. Under 15 USC 1681b permissible purposes of consumer reports, i never gave this company any written consent to report anything on my consumer reports, and no consent is Fraud!

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 2022-03-12 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I ask all three credit bureaus XXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. Nordstrom 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX  4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX 3XXXX XXXXt 4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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:
In accordance with the Fair Credit Reporting act XXXX Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
The issue is that my XXXX checking account was transferred to Citizens bank and I lost access to my funds. Details : I opened my XXXX acct in XX/XX/XXXX, with my address in XXXX XXXX, because I was moving to the US in XX/XX/XXXX and wanted to have an account for my expenses while moving. My XXXX checking account was active at least on XX/XX/XXXX, since I received a statement in this period. On XX/XX/XXXX, I logged into my XXXX account and it was closed/terminated to my surprise. 

My account was " transferred '' to a new bank, Citizens, without my acknowledge nor permission. I did not receive any phone call or letter about this. In this new bank, Citizens, there is no customer support available - I tried to call them for XXXX days in a row, XXXX hours each day. Citizens bank has my funds from XXXX but is not letting me withdraw the funds, which I need for daily expenses. Citizens did not send me any letter, any debit card, and without the debit card I can't access my funds. 

I need to have either access to my Citizens banks, with all the features I had in XXXX ( available to make transfers, use debit card ) or restore my XXXX account. XXXX claims that the account is no longer with them, so they can't do anything. Citizens claims that without a debit card, I can't do anything, but I did not receive XXXX, and will not receive XXXX, because my XXXX address was in XXXX XXXX and Citizens doesn't provide services there. In a nutshell, I lost access to all my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Our account was hacked through a scammed XXXX transaction on XX/XX/2021 for {$2900.00}. Within hours of the fraudulant withdrawal, we went in person to our local branch to stop the transaction in the same business day. We have made phone calls and written letters all of which have been denied. 

Our understanding is that fraudulent XXXX transactions are covered by 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 explanation
Consumer complaint received 2022-03-12 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Misleading false reporting this account is negligently and inaccuratly reporting failing to comply to 15 USC 1681. Under 15 USC 1681b permissible purposes of consumer reports, i never gave this company any written consent to report anything on my consumer reports, and no consent is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: PA

Complaint narrative:
ALLEGED CREDITORS POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, Experian or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction

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 2022-03-12 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: OH

Complaint narrative:
On XX/XX/2022, I, have sent a notice of dispute on the validity of alleged debt to Equifax. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. My current credit report is proof that Equifax is still presently reporting incorrect information during this dispute process. This is a direct violation of 15 U.S.Code 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: PA

Complaint narrative:
XXXX XXXX POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, XXXX or Transunion ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction

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 2022-03-12 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: PA

Complaint narrative:
XXXX XXXX  POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the XXXX major Credit Bureaus XXXX Equifax, XXXX or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
URGENT! 
I have a closing next Friday XX/XX/22 In order to close on time I need my Partial Claim Payoff Statement from HUD. In order to receive my Partial Claim Payoff Statement I need Midland to file the partial lien claim with the Department of Housing and Urban Development in XXXX computer system. Midland still hasnt done this. I keep calling Midland to get this resolved and no one has taken any action to correct this for me. Instead Midland keeps pawning it off on HUD. They keep telling me to call HUD. Yet HUD has explained to me how this works and how Midland has to file this in the HUD computer system in order for them to move forward and issue me my Partial Claim Payoff Statement. Ive attached a email from XXXX who services the Partial Claims for HUD. They are also stating that Midland has to file the partial lien claim in order to move forward. I need this corrected ASAP to close on time.

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 2022-03-12 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 Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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 2022-03-12 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: Netspend Corporation
State: VA

Complaint narrative:
I put {$500.00} on this account around the XXXX of XX/XX/XXXX i had {$100.00} paid to my XXXX XXXX phone account then it got locked by netspend ... .i contacted them they said they would not unlock card they must send me another in mail.I protested because i had set up automatic payments XXXX XXXX and others.Three days later I got my card from XXXX XXXX. A card number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX cv code i try to use it is locked i call company Netspend # XXXX i treated very rude i was threatened by Represents.of a permanent locked account because i questioned sending my drive license info., birth cert., medacare insurance info to them ... .then cheing ( female ) did lock my account with out reimbursing my money.I am considering legal action/ law suit!

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 2022-03-12 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 Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Attached, are the copies of the documents related to my previous complainXXXX.

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've sent letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with NO response or change to the inaccurate reporting.

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 2022-03-12 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: SC

Complaint narrative:
XX/XX/XXXX - Experian I am disputing a Hard Inquiry from XXXX dating back to XX/XX/XXXX. As of this month the Hard Inquiry has passed the limit to stay on my credit report. Please remove the XXXX hard inquiry. Thank you for you help.

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 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ask all three credit bureaus TransunionXXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXXs 1. XXXX XXXX 2. XXXX 3. XXXX  4XXXX XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the threXXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

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 2022-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I ask all three credit bureaus XXXX/Equifax/XXXXn to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8XXXX XXXX XXXX XXXX 1. XXXX XXXXl 2. XXXX XXXX. XXXX  4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TX

Complaint narrative:
I ask all three credit bureaus XXXXExperian to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 1. XXXX XXXX XXXX. XXXX XXXX. TXXXXt 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXr 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the XXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.

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 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've sent letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with NO response or change to the inaccurate reporting.

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