vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/22 @ XXXX I went to US Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX to deposit {$300.00} cash and get quarters. At the time it happened to be quite a line so I decided to use XXXX of the ATM that are inside the Branch that are located along the wall to deposit my cash and then I would just need to go to the teller for quarters. I successfully deposited the cash in the ATM ID : XXXX. I received a confirmation email receipt. As I approached the teller I realized that my cash deposit had not been credited to my account yet so I asked him to check into it because he had just watched me deposit the cash. He was puzzled as to what happened but then I received another email saying the transaction had been reversed as if I did not deposit the cash. The teller tells me I have to call the main US bank line. I called them and the system continues to hang up when I call from my phone number. I called from another number and finally got an agent who says I have to wait until the transaction is no longer pending and file a dispute. I advised that this was a CASH transaction so it should be no PENDING to it!! I spoke to a supervisor who said the only other way is if the brand manager is able to fix it. I have {$300.00} cash now gone and no one has answers.

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 2022-10-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
XX/XX/2022 : I go to use my account on Netspend Skylight ( prepaid card provided by previous employer ) only to realize my account is locked. 
I call customer service and am told the account is frozen due to a refund that was applied that didn't have proof of purchase on the account itself. 
I submit my proof of purchase on the XXXX and an Employee of Netspend Skylight then promptly lifts the lock on my account. Issue solved right? Wrong. 
Upon going to use my Debit card attached to said account, the card is denied, and the account is then relocked, even though I had just provided all necessary information in order to have it unlocked. But now it's XXXX minutes pass their closing time for their call center, guess I have to wait till tomorrow. 
XX/XX/2022 : I call Customer Service and am told I need to resubmit my Proof of Purchase documents for said refund in question so that the XXXX Department can lift the restriction on my account. I promptly submit the documents and I am told to wait up to XXXX business hours in order to process said documents. XXXX hours later, I call for an update and am told the documents were never received. Even the documents from yesterday too apparently. Even though I have proof that every single XXXX of these emails containing the necessary information was provided as said previously. I am once again told that I need to resubmit the same exact documents, except this time I need to put a reference # in the subject of the email itself. Okay, fine, why not. I do so, wait another XXXX hours, only to be told by the supposed supervisor of the XXXX Department of Netspend Skylight that they can't lift the lock on my account anymore and must now forward my issue to the Headquarters of Netspend Skylight in XXXX, TX so that they can solve the issue. I am told that I should expect a call tomorrow from them. 
XX/XX/2022 : The Headquarters for Netspend Skylight isn't even open on Saturday. I've received no such call. The supervisor of the XXXX Department flat out lied to me just to get me off of the phone. As far as I know my money is stolen since I am completely unable to use any of it even though it was just unlocked XXXX days prior ( but then promptly relocked once I tried to use said funds for a type of purchase I have made numerous times using said account~food ). After realizing the HQ of Netspend is closed on the very day the supervisor said I would be called by them, I call their help-line back for an update on my situation. And am promptly told the same exact thing, that they are " sorry for the inconvenience! '' I have not been able to buy food or gas for the past XXXX  days now. Enough is enough.

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 2022-10-22 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-10-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX & XXXX XXXX # XXXX 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. 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 2022-10-22 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: FL

Complaint narrative:
My Name is XXXX XXXX XXXX : XX/XX/XXXX i have XXXX accounts XXXX, XXXX that on my credit that XXXX shows open and XXXX is closed both with a balance and i have submitted a dispute for them and i have submitted prove that shows its a XXXX balance with no past due balance first dispute number i sent is Confirmation number : XXXX see attached is the results saying " A Temporary Update Freeze On File '' and i have attached prove that is XXXX balance and still came back i have contacted XXXX XXXX and they said they have not reported any thing since XX/XX/XXXX and have not received any dispute from equifax and they sent me report showing that XX/XX/XXXX was last time reported with XXXX balance. which is attached as well. called equifax multiple times as well and every time they tell me it's on XXXX XXXX and same with XXXX XXXX tell me it's on you guys that you need to fix what you are reporting. Finally, I submitted new dispute # XXXX that shows that they reported the last time on XX/XX/XXXX. Please help me. I need to buy a house and this is holding me back from doing so. I need the correct information to report as XXXX and no pass due My cell number is XXXX if you need any more information. 

Thanks XXXX XXXX Account # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I unfortunately was the victim of an IRS scam. I received this letter in my mail in XXXX stating I owed the government {$240.00}. Knowing I actually do owe the IRS money, I signed a physical check and sent it in the mail. The next month ( XXXX ) I received another letter stating that I owed {$380.00}. Subsequently realized I needed to check my IRS account and put it together that I was scammed. I contacted my bank Santander and told the representative what had happened. I found out that the scammers had cashed the physical check I sent them as an electronic check which apparently threw up red flags from my bank. I was awarded a provisional credit and was told to keep that bank account open so the money could be deposited back into my possession. There was supposed to be a block put on the account that only allowed deposits into the account and no withdrawals. By the time that investigation was over ( XXXX business days ), the moment my money hit the account again, somehow the scammers were able to forgo the withdrawal block on my account and take the freshly deposited provisional credit out of my account. Speaking to Santander representatives again, I was told the only way that this couldve happened was if I verbally told an employee to force withdraw this money. Which I did not. So another investigation was opened by my bank. It was determined by the bank that the second investigation/instance of my money being stolen that nothing was going to be done. Their reasoning was that I had signed the physical check and by that instance I was at fault. However, this was already discussed during the first round of investigation into this matter when the provisional credit was approved to my account. The only reason that the scammers were able to take the provisional credit is due to a faulty security block that the bank assured me would protect me from this happening again. I have record of the second letter and that second letter was submitted by my local bank as evidence into the investigation. Despite Santander stating that there was no documents submitted. My liability for this matter ended as soon as the bank approved me for a provisional credit and the banks liability in this matter began when they gave me a faulty security block on 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 2022-10-22 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NC

Complaint narrative:
This is a resubmission due to corrections in spelling. Disregard the prior submission. 

To : Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated.

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from Equifax and XXXX- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To : Equifax and XXXX  According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you will read the documentoon that this creditor sent to me that showed that did have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from Equifax and XXXX- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: NC

Complaint narrative:
To : XXXX and Experian According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you will read the documentoon that this creditor sent to me that showed that did have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from XXXX and Experian- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix 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 2022-10-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2022-10-22 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 the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 explanation
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
I am a Consumer by law and I sent letter regarding inaccurate things on my consumer report. I received a letter saying my case was close but no method of verification.

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