vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: CO

Complaint narrative:
This complaint encumbers TransUnion, XXXX, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX  years. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a XXXX XXXX decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX XXXX XXXX. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The FICO scores are designed to keep everyday consumers down. The FICO scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

XXXX XXXX : Acct # : XXXX XXXX XXXX : Acct # : XXXX XXXX XXXX XXXX : Acct # : XXXX CITI XXXX : Acct XXXX : XXXX XXXX : Acct # XXXX XXXX XXXX  : Acct # : ( XXXX ) XXXX XXXX : Acct # : ( XXXX ) XXXX XXXX XXXX : Acct # : ( XXXX ) XXXX XXXX  XXXX Acct # : ( XXXX ) XXXX - XXXX XXXX KS : Acct # : XXXX XXXX XXXX XXXX : Acct XXXX : XXXX XXXX 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 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 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.

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 2023-01-11 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: NJ

Complaint narrative:
XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NJ

Complaint narrative:
XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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 2023-01-11 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: GA

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 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 a account without my written instructions 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion intermediate Holdings inc .

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 2023-01-11 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: VA

Complaint narrative:
in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I requested the accounting errors be fixed according to the law, and restrictions be removed from account. I requested account be retitled and provided trust agreement, and new terms, I have no access to credit balance on my account, nor access to checked, or XXXX, nor ability to deposit check into the account, nor access to emergency funds as needed in emergency. Credit balance has disappeared, PayPal denies account is insured. Donation are also missing from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A couple weeks ago ( over a month ), I zelled some money to my live in boyfriend here in America, like I always do. My zelle transaction was intercepted by bank of America, because apparently, I use the word " XXXX '' in my description to remind me which bill I reimbursed for. Other bills were named on the note, but the only zeroed in on the word " XXXX ''. I contacted bank of a America incessantly, about my funds with no resolution. Every time I contact Bank of America, I am told by various people, including supervisors that my money is under investigation. What does that mean? I am an American, my boyfriend is an American, what is the problem? They ask me tons of questions, I explained that I am reimbursing my boyfriend for money he paid out for me. We ordered XXXX XXXX from an American company paying with an American credit card. No cash. XXXX is an American corporation. He used an American credit card to reserve accomodations for us in 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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
My Citi bank account was on hold back and XXXX and they told me they were closing my account. This account had all my money ( {$17000.00} ) and there was nothing I could do. I waited and waited and waited for a check to come in the mail for my money. They finally let me know they closed my account on XX/XX/XXXX. This is 4 whole months later. But finally it's closed and they tell me 5-15 business days until I get my check. It's now been a month and nothing. I received my final account statement and it said my starting balance for the month was {$17000.00} dollars but my ending balance was XXXX. It shows under withdrawals as " other withdrawal : {$17000.00} '' i call up Citi and after an hour on the phone one of the supervisors tells me that Citi bank owes me zero dollars because that is what the last statement says. And hung up on me immediately. So now I'm panicking as every penny I worked for is gone and I'm at zero dollars and Citi bank hangs up on me every time I call them and ask about my account. Please help me Its also important : this started as a fraud hold that I tried to clear up from a purchase of mine and then they put my account on hold for over a month in XXXX. I kept calling and calling and calling and they finally closed my account on XX/XX/XXXX. That is when it shows on my final Statement that other withdrawal of {$17000.00}. I keep calling them and they keep telling me I have zero dollars due to me because thats what it reads as my last 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 2023-01-11 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:
Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX bankruptcy is XXXX .Please remove it from the remarks and my report entirely

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 2023-01-11 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: TX

Complaint narrative:
Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX XXXX  is discharged .Please remove it from the remarks and my report entirely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX a fraudulent charge in the amount of XXXX USD occurred in my Citibank checking account. This was at the height of the pandemic and many Citibank accounts were compromised during this time. I attempted to dispute this with the merchant but was unable to reach them. I reached out to Citibank and they said don't worry we'll get this resolved. Citibank closed that account opened a new one and gave me a credit in the amount of XXXX. Fast-forward to XXXX of XXXX I was trying to open a new account for my business but was unsuccessful due to Citibank charging off my closed account in the amount of XXXX. My account was closed with XXXX balance there is no way I should've received a charged off XXXX reporting, especially for a fraudulent charge. I want this erroneous reporting removed immediately, so I can reopen a checking account and continue running my business.

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 2023-01-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Gift Card Order # XXXX - {$4000.00} Gift Card Order # XXXX - {$5000.00} Gift Card Order # XXXX - {$20000.00} All American Express Gift Cards purchased online through American Express with an American Express Gift Card. Gift cards were received only to find that they had been partially used before receiving them. Someone had hacked into their site or something and was using them all over the country. Upon contacting American Express they deferred us to the American Express Gift Card department who then told us we personally had to contact each vendor that we see the fraudulent charge was used and try get our money back that way. I feel that we should be getting the money back from American Express as they are the ones who sent the fraudulent products. No one wants to help and just keeps passing the buck. I have spent days on the phone being passed back and forth to each company with no avail. This is just wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
On XX/XX/2022, my XXXX XXXX XXXX account was compromised. The majority of my bills are paid from this account via autopay and have been for years. I went in the same day and closed the compromised account and opened a new one. I then contacted all my payees and submitted the new account information. Everything went as planned until XXXX. I received a notification from The Money Source ( my mortgage company ) stating that my bank declined payment. I gave The Money Source the new account # and explained that I've been on autopay with them since opening my account with them. Also that they had received 2 payments already from the new account, so how did a different # suddenly get associated with my bank. Things seem to go back to normal so I thought. I XXXX XXXX, I got another notification from the Money Source stating the payment was declined by XXXX. I then called XXXX and did a 3 way telephone call to The Money Source.. The XXXX agent told the Money Source agent that the issue was on their end by inputting the old account #. We don't understand how that could happen when The Money Source had been receiving payment with the new account number then arbitrarily began using the old number. This caused a hit on my credit report for a late payment in XXXX. I have had perfect credit for more than 5 years, this set me back into fair status. I have contacted The Money Source via phone and email, my attorney even wrote a letter. They will not take accountability for their mistake and I am paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.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 consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had previous Truist account I left on good standing. I went to branch to close account with zero balance, months later I was told account was still open without my acknowledgment and I had a XXXX charge which I didnt made which accumulated interest which caused my account to charge off. This is not fair I paid the company XXXX to be in good standing to later find out Im being penalized for something that wasnt my fault

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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/XXXX of this year, I filed a complaint with the CFPB concerning Bank of America taking money that was not owed them in Complaint # XXXX. This is a related yet different complaint about that situation. 

I was contacted by XXXX XXXX from Bank of America 's Regulatory Complaints Operations department asking me to contact her about whether or not I was the person who initiated the complaint. She gave her available office hours and asked that I call during that time. However, she did not give a phone number at which to reach her. I have included a screenshot of the email in question as evidence. I sent three ( 3 ) emails trying to engage her in regards to my initial complaint. All of them have gone unanswered. I find this to be typical of Bank of America 's attitude towards customers and clients. Further, I feel this is an attempt by Bank of America to avoid accepting responsibility and strongly encourage the CFPB to investigate the matter in their full official capacity under federal law.

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 2023-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
The mortgage company reported my loan 30 days late after they had agreed to move XXXX payments to the back of the loan. I feel proper expectations were not set. Had I been advise that this would of happen, I would have made the payment and requested to have a later payment moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation