vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion is not allowing me to lift the freeze on my credit reporting. They asked for a security pin they claim was emailed which I did not receive. Will not even entertain my phone calls because they claim they need to get the security pin they sent that I never received.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is regarding a transaction dispute with case ID XXXX in the amount of {$250.00}. Credit card company is Citi. Date of original purchase XX/XX/2022. Date of dispute XX/XX/2022. 
I purchased a refundable air ticket with XXXX XXXX and within XXXX hours of purchase I contacted the merchant via phone for the ticket cancellation and a full refund. Per the cancellation policy the merchant stated that they would issue a full refund back to my credit card. However after XXXX months Citi still didn't post the credit on my account. Therefore I opened the dispute for the full amount of the charge. 
XXXX responded to the dispute by providing Citi with sales slips showing that they had issued the full refund of {$250.00}. However Citi determined that I was responsible for the charge. I disagreed with the decision and submitted additional explanation through email, which Citi received but didn't reverse its decision. I believe this was clearly an error made by Citi, but in the phone call the dispute department of Citi refused to reopen the dispute for further review.

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 2022-10-13 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
To whom this may concern : US Bank refuses to act on a obvious fraud by an individual. I have lost {$250.00} caused by a fraudulent action by an individual using fake XXXX emails. I provided US Bank this info and their response to me was " {$250.00} posted as Requested ''. They did no investigation. The individual is still out there ripping people off. 
Here is a letter sent to U.S. Bank this week. 

To whom this may concern ; I am in receipt of your letter dated XX/XX/2022 regarding my claim of fraud and your denial of that claim. 
I find it incredible that U.S. Bank sanctions fraud and deceit as long as the fraud Posted as Requested. You obviously did no investigation. I expect to have my {$250.00} returned to my checking account. 
I explained to the claim taker I have fraudulent XXXX emails the individual used. Obviously that does not matter to U.S. Bank. There is no way that I am going to let this go. U.S. Bank is allowing a thief to continue to rip people off using U.S. Bank and XXXX. I have reported the criminality to various government agencies including the Federal Trade Commission, XXXX XXXX XXXX XXXX, and the Office of the Comptroller of the Currency since your company makes it impossible to file an XXXX Complaint. 
I expect to hear back from you no later than XX/XX/2022. I expect you to do a complete investigation and I expect you to refund my {$250.00} which was stolen by a XXXX impersonator. 

Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2022-10-13 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: LA

Complaint narrative:
Under fair credit reporting act, the followiing accounts has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 Section 604 602, etc I have the right to privacy. Also a reporting agency can not furnish an account without my written consent. 
XXXXXXXX XXXX. Account # XXXX XXXX and XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # 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 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC
State: PA

Complaint narrative:
I paid off this vehicle back on XX/XX/2022. There was an overpayment of {$140.00}. Refund has still not been issued despite contacting the loan company and giving them my checking account information XXXX times. The last call was made on XX/XX/2022. They unable to give me an answer as to when my refund will be issued. Previous phone calls I made I was always given an excuse either they need my checking account information or their supervisor is in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.

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 2022-10-13 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have contacted Wells Fargo to go over the reasons the account is not mine and I am met with disdain as they hang up on me and refuse to expediate this matter of importance.

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 2022-10-13 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a debit card from Bank of America on XX/XX/2022 that I did not apply for. I called Bank of America on XX/XX/2022 and requested that the card and account be cancelled.

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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a business account with Chase that was opened under the Chase Premier Plus Checking account with Chase XXXX XXXX in XXXX or XXXX. This account does not charge fees or require a minimum deposit. 

I closed the account earlier this year around XX/XX/XXXX. 

Prior to closing the account, I withdrew the balance. 

On or around XX/XX/XXXX, I started getting calls from people that stated they were with Chase bank and I had fees on the account, approximately {$64.00}. Each time a representative calls they state that they have looked into and the matter is resolved. Then a couple weeks or month or so later, I get another call. I feel harassed, if these people actually work for Chase it should be clear that they assessed fees after the account was closed. It should also be documented in their notes of removing the fees that should have never been assessed. 

I have received not one letter from Chase showing any fees on the account, yet the calls continue to come. 

It is also odd as I had a positive balance with the account was closed and I never saw any fees while the account was open for the short period of time. This account never had a high balance, at most the account maybe had a couple XXXX dollars if that. This account was rarely used, maybe 6transactions including the transferring the small balance. 

While Chase or their affiliates continue to harass me even though I have asked several times to stop calling me on this issues as it an error on chase part that was told to me on several occasions to be resolved. 

I just received another call this morning again same issue. I feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
A few years back, my son was diagnosed with XXXX and as a direct result, I encountered an unexpected financial hardship. 

I reached out to PenFed, and PenFed offered to restructure my debt accounts. PenFed offered to reduce my monthly loan payment to {$410.00} and extend the loan maturity date to XX/XX/XXXX. 

I received the attached pre-filled form from PenFed and returned via email and XXXX. Fast forward to today, I recently learned that PenFed did not adjust the loan maturity date as agreed and I have a lump sum payment due on XX/XX/XXXX in the amount of XXXX. 

I have contacted PenFed on several occasions and provided relevant documentation to no avail.

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 2022-10-13 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: MA

Complaint narrative:
XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late

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 2022-10-13 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: MA

Complaint narrative:
XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MI

Complaint narrative:
Incorrect addresses Addresses Ive never resided at

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 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I also submitted a debt validation dispute letter to SIMON 'S AGENCY INC. via certified mail : XXXX pursuant to rights under the Fair Debt Collection Practices Act. See Exhibit 1 SIMON 'S AGENCY INC. failed to respond within 30 days of receiving my debt dispute letter which would have been XX/XX/2022. Now the disputed accounts are now deemed invalid. 

On XX/XX/2022, I mailed SIMON 'S AGENCY INC. a notice informing them of their failure to validate the alleged debt and that they were in violation of my rights under the FDCPA. See Exhibit 2 SIMON 'S AGENCY INCXXXX still failed to provide proof to validate the alleged debt. SIMON 'S AGENCY INC. never provided a Letter of Sales agreement, an assignment agreement from the original creditor and never provided a copy of the original contract with my signature on it for none of the disputed accounts. 

On XX/XX/2022, I reported the furnisher and the disputed accounts to the Federal Trade Commission via a Identity Theft Report report number XXXX. I then got my official identity theft report notarized on XX/XX/2022. See Exhibit 3 On XX/XX/2022, I submitted an Identity theft dispute to XXXX. I provided XXXX with proof that I previously been in contact with SIMON 'S AGENCY INC., proof of my identity, proof of my social security number, proof of address along with a copy of my notarized FTC Identity theft report. See Exhibit 4 Then on XX/XX/2022, XXXX sent me results XXXX weeks later stating " IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY .... '' See Exhibit 5. SIMON 'S AGENCY INC. already knew how to get in contact with me. 

After failing to validate and verify the disputed accounts, SIMON 'S AGENCY INCXXXX has continuously attempted to collect the invalid and unverified disputed debts by reporting it to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: RFNA, LP
State: MA

Complaint narrative:
REPUBLIC FIANCE has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX CO 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

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 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Date Opened XX/XX/XXXX Date of Charge Off XX/XX/XXXX Date Purchased XX/XX/XXXX Original Creditor - Re XXXX XXXX XXXX XXXXXXXX XXXX Original Purchase Balance {$2000.00} Accured Interest and Fees {$0.00} Total Payments/ Adjustments Applied {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/2022 mobile check deposit started XX/XX/2022 check rejected with no explanation and a warning not to try to deposit it again XX/XX/2022 after 1 call and a chat no one wants to give me a reason as to why the check is rejecting, only that they cant bc of security reasons, which is frankly ridiculous to me as my name on the check is the same as the account holders 2nd call XX/XX/2022 reached a supervisor and told me they rejected the check bc it's an external bank transfer ( I'm not a financial whiz but this seems like the definition for every check ) and I needed to link that account to transfer funds. The check is coming from my 401k provider so I'm unsure as to how I would link an external bank account to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i reach out to Transunion and ask them about a dispute that they had investigate and the said the account was verity and i ask them to provide me with the method of verification under the FCRA sec 611 ( a ) and 7 Texas Attorney General

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 2022-10-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. No reporting agency has my written permission to furnish any accounts.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

15 U.S.C. 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation