vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX The account Pay Status of the account was recently updated to Account paid in Full was a Charge-off from Sold : was a Chared-off. I didnt make any payment but this account was updated. This is either misconduct or negligence by Transunion reporting inaccurate updates in my consumer report. I am requesting that Transunion provide clear documentation that XXXX XXXX XXXX furnished this report or take responsibility for the update. 

This account has continued to cause pain to myself and my family. It has continued to jeopardize my financial progress leading to loans, mortgages, credit card, and auto loan denial. I recently filed a dispute against Transunion on this account with CFPB ( send attachments ). Clearly, Transunion didnt conduct the investigation to verify the accuracy of the account as reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I mailed a check for {$25000.00} from my bank to pay part of my Citibank Credit Card balance. I then noticed the {$25000.00} payment was applied twice to my credit card balance. Also, my credit card was locked by Citibank ( even though I had available credit ). I contacted Citibank regarding the issue. They told me I sent in XXXX checks for the same amount. I asked them to verify the checking account number ( which was indeed my checking account ). I asked for the check numbers and they would not give them to me until I talked to several different customer service reps. They finally told me that there were XXXX checks numbered XXXX. This seemed highly unlikely and I was concerned regarding some type of fraud, so I asked for images of these checks, but was told that was not possible. I contacted my back and placed a hold on XXXX checks ( for a cost of {$70.00} ). On XX/XX/XXXX, I spoke to a customer service rep who told me she sent an email to payment investigation team and they would be in touch with me in XXXX business days. Citibank sent me a generic email on XX/XX/XXXX stating they would get back to me after reviewing my account. By XX/XX/XXXX, I had not heard anything from Citibank regarding my account, so I contacted them. The customer service rep did not have any notes regarding the case on file, so I had to explain it all again. I was transferred to a Senior Account XXXX who told me I could request a refund of the {$21000.00} credit and would give me 0 % purchase rate on the card for 6 months so that I would not close my card. I again explained the situation to the Senior Account XXXX who agreed that having the XXXX checks with the same number from the same checking account was odd, but he would not provide a plan on how the case would be evaluated. I want Citibank to investigate why XXXX payments ( checks ) of {$25000.00} from the same checking account with checks of the same number were posted to my account. I want an explanation of their findings and what they plan to do in the future to prevent this from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent you a letter to Afni INC after they placed an account on my credit reports without allowing me the opportunity to request validation of the alleged debt. They then sent me a letter providing me verification when I specifically requested debt validation not verification. On XX/XX/2022, I sent you a follow up letter asking that they validate the alleged debt by providing me legal documents, but they completely ignored my request and continue to report this alleged debt on my credit report. On XX/XX/2022, I sent another follow up, and I have yet to hear back from them. 

I need this account deleted from my credit report and for them to close it in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizen 's Bank sent me a check for {$3.00} addressed to XXXX, a credit card I have but had paid in full in XXXX. I had no idea why a check addressed to them was sent to me, a bill that had already been paid the month before so I deposited it back into my account, and the bank subtracted {$3.00} from my account. They the charged me {$30.00} for overdrawing my account in XXXX. No matter how hard I tried, they tried to tell me that the withdrawal for money I had deposited was warranted. Had I just thrown it in the trash or sent it to XXXX XXXX, XXXX XXXX would have refunded me the {$3.00}. I am confused as to why a bank would mail me a check meant for a credit card company. The money I did not owe them then turn around and deduct the money from my account. I guess I should have thrown the check in the trash! 

I have had nothing but trouble with this bank from being thrown out when I wanted customer service ( I had my XXXX, deaf registered therapy dog with me ), to a frozen ATM card they could never explain after waiting 45 minutes for customer service on the phone, an ATM card that never was replaced when promised, a promised {$200.00} rebate for putting {$200.00} a month in my savings to account 3 months in a row when their customer service said I was good to go for the rebate, etc. I am XXXX XXXX XXXX and this is no way to treat a senior on a fixed income. 
XXXX  has so many complaints they have one star for their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Binance a partner of BAM trading services inc offers a product called " XXXXXXXX XXXX XXXX XXXX XXXX XXXX transactions. Without notice or authorization XXXX of usdt was removed from my account. I approached BAM on XXXX occasions and all three tickets were promptly closed offering no response or resolution. 

Because BAM ignored and closed my support tickets, I went to their Binance partner / investor for resolution. They simply responded saying XXXX is a separate company even though Binance has financed them. 

A crime has been committed, i have lost XXXX dollars and I expect to be reimbursed in full. Trust wallet has been negligent, and it caused this lose due to lax application security. 
These tickets and reports will continue to be logged until i am satisfactorily reimbursed for my losses. 

If i am not reimbursed, XXXX will procedure with small claims legal actions against both Binance and Bam trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
Since XXXX of this year I have been sending written correspondence to EQUIFAX regarding an inaccurate account that is being reported to my credit report. There is a XXXX XXXX XXXX  that belonged to my wife, which was settled and no longer reports to her credit profile but still shows on my EQUIFAX credit report as an authorized user and the closed account is showing as DEROGATORY. I have requested in writing for proof of the account 's status and any records to support why EQUIFAX would have it listed on my report, but still have not received ANY correspondence back from EQUIFAX. I have tried to be patient and understanding, considering the fact that EQUIFAX has been under scrutiny and Federal investigation for false reporting. Unfortunately, I do not believe EQUIFAX has any plans to help resolve this matter. So here I am XXXX XXXX later seeking clarity and support to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed numerous fraudulent accounts and inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an XXXX  XXXX XXXX Bank of America credit card. I never applied for this card and immediately called Bank of America ( BofA ) to alert them to the fraudulent activity. As of yet, the hard inquiry associated with this card is not removed from my credit and there is a {$75.00} balance due for the card 's annual fee. This is not yet removed because BofA states they are still investigating the fraud claim. The balance is due XX/XX/XXXX. While normally, I would believe BofA would resolve this issue promptly, I have reason to worry otherwise. 

This is the second fraudulent card to our household ( same type ) with the first being in XX/XX/XXXX ( to my husband ). This was reported upon receipt of a welcome email and no card was issued, but even after 5 months, the hard inquiry is not removed from our credit. We have two letters from BofA saying that they do not believe it was fraud and will not be removing it ( dated XXXX and XX/XX/XXXX ). This is despite a XX/XX/XXXX resolution letter to a CFPB complaint on the matter ( XXXX ) and a XX/XX/XXXX letter stating it would be removed. We are past the 90 days the response stated it would take and when we spoke to XXXX on XX/XX/XXXX, they stated they have no record of the removal request and I need a letter from BofA stating that it is OK for XXXX to remove it. We finally spoke with someone at BofA on XX/XX/XXXX who said BofA has to request it and they do not know why it was not processed promptly, but would submit it to XXXX as well as sending us a copy. As of today ( XX/XX/XXXX ), we still have not received that letter. 

As of today, we are told the account is closed. We were also told that we would not be responsible for the {$75.00} charge. However, we have not received any documentation, yet that BofA agrees this account is fraudulent ( although today we were assured we would receive a letter soon ). Given our previous experience with BofA and ~100 hours of contradictory phone calls to multiple departments where no one department wants to take responsibility for processing these claims, we are concerned that this may happen again with this case.

Over the past two weeks, we have tried several times to contact the Regulatory Complaints Resolution Specialist from the CFPB complaint response ( XXXX XXXX, XXXX XXXX ) and the Executive Response Team number we received ( XXXX at XXXX XXXX ). Neither of those response numbers have returned our calls in the past 3 weeks. 

It is frustrating to have a company issue two fraudulent cards to the same last name and same address ( same card type too! ) and then make it a many-hours exercise to try to get any 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 non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed numerous fraudulent accounts and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
card was opened in my name i am a victem of idenity 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 2022-12-30 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 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 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 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 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 2022-12-30 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:
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 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 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 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 2022-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: SC

Complaint narrative:
My father, XXXX XXXX XXXX XXXX XXXX, born on XX/XX/XXXX, died on XX/XX/XXXX. I contacted the bank about the funds in his checking account, Popular bank in Puerto Rico corporate office. They informed me that they requested Proof that my sister and I were the only heirs to the funds in the account. We needed the funds to cover my funeral cost. We submitted the Proof from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  that we were the succeeding executor on the account. Weeks later, after submitting the evidence that they required Proof of death, Proof that my sister and I are the only heirs verified with the courthouse in my jurisdiction and where my father had passed away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX manager at the time. To receive those funds, we would have to fly to Puerto Rico at our expense, Lodge, at our own cost and hire a local attorney to Verify our identity at our own expense. 
At this time, I want to know what happened to the funds in my fathers ' account did ; any unauthorized access has been made If the funds are recoverable to resolve the burial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Webster Bank allowed double presentment and is refusing to refund the check they allowed to be cashed twice. Check number is XXXX. It was cashed on XX/XX/22 and XX/XX/22 both for the amount of {$75.00} from checking account. Went to bank to tell them they allowed double presentment and they stated they are not responsible and go contact the store that cashed it twice.

Company response to consumer: Closed with monetary relief