vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist bank open a closed Credit card to deal with a Fraud case I had filed. I originally closed my credit card and debit card in XXXX of XXXX they reopened in XXXX of XXXX to deal with the fraud case when they reopened the account I was not made aware of nor gave consent. When they reopened yearly fees was put on the account. As I was not aware they had reopened I never paid it off. It accumulated for 6 months until it was closed again ; truist bank took the money out from my despite of a student credit card. And they have been fight on giving my money back and fixing my credit scores since XXXX. Now theyre saying I owe {$33.00} from when I had closed something that never has come up. They claim I made a payment on the credit card in XXXX of XXXX same amount as fraud case. ( I believe it was to prevent damage to XXXX scored  ) but I hadnt heard of this nor recall due to a concussions until today XX/XX/XXXX they dont want to refund my {$80.00} for yearly fees and Interest Fees put on a account I had closed on a months Prior in person ( while also putting a fraud case on that same card ) and have been fighting to fix their mistake for the last 2 years with me not giving me a refund on the {$80.00}

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
received XXXX XXXX card from the state of California. after setting up my transfer account and successfully testing a transfer of {$25.00}, everything worked. After increasing the initial transfer, i am greeted with an invalid error message. First attempt occurred on XX/XX/year>. attempted again on XX/XX/year> with the same error messaged. After reaching customer service, an agent informed me that there are no blocks or errors on my account and that all transfer should work fine. Agent recommended i attempt to submit a transfer via app, website or phone in a few days. XX/XX/year>, transfer issues continue and i called again. Spoke to 5 different agents and all stated that i need to visit a bank or withdraw from an ATM as i am unable to transfer money. When i asked what was the issue, they stated that there is no issue with transferring money on my account and they can not explain the error messages. I requested what banks can i go to without fees and the agents stated that there is no bank or ATM in my area. when asked how i can access the money, i was informed that i could reach out to my personal bank and pay fees to them and money network to transfer money out. Again i asked all 5 individuals how to withdraw without fees and all told me that there are free to access my money within 100 miles of my location ( I live withing 50 miles of XXXX XXXX and XXXX XXXX ). Issue is that i am unable to access my account funds without fees and the organization is unable to explain why my first transfer works but nothing afterwards. When asked if XXXX will waive the fees, they responded with no.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-15 00:00:00
Product: Credit 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: DISCOVER BANK
State: NY

Complaint narrative:
This is in regards to my discover credit card. I have been very loyal to discover and been a customer and consistently using discover for several years. I have recently disputed a charge and discover is not helping me get my money back at all. Discover is neglecting me and brushing me off. When i disputed the charge i have explained the circumstances very explicitly. But recently discover has just been just beyond disgusting and horrible to me as their long term client. They are not helping me with disputes or ever trying to get my money back. And they Do not give me any rewards or increase my credit. All things considered i am asking CFPB to get involved and assist me to report this horrible business practice and spread awareness to everyone else about these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITIBANK CBNA has been reporting late on my XXXX report. I have disputed this information with XXXX and CITIBANK CBNA. Both have sent me a letter with little information as to why, letters have just stated that this information is valid and it will remain on my credit file. As to FCRA law UNDER 15 USC 1681 ( A ) ( 6 ) ( B ) ( III ) I am entitled to receive written validity of this 'late payment reported ' - I am requesting validity and accuracy of this investigation in writing.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 00:00:00
Product: Credit 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: IL

Complaint narrative:
I was charged XXXX XXXX XXXX XXXX XXXX XXXX security deposit on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I picked up the rental car. I returned the car on XX/XX/XXXX and they confirmed everything is ok. 

Explore Vacations XXXX XXXX is not refunding security deposit of XXXXXXXX XXXX. Multiple emails to XXXX XXXX XXXX XXXX and they don't respond anymore and does not provide refund. 

Report to XXXX and they asked to reach merchant directly. 

I disputed this transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they closed dispute twice once on XX/XX/XXXX and XX/XX/XXXX saying reach out to the merchant directly. I provided them with rental contract and 2 months credit card statement all other documents they requested. 

Please help. 

Thanks, 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 monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not an error and requires urgent attention. My credit report contains incorrect and mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is extremely frustrating and has caused me significant stress and 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
on XX/XX/year> My Current Bank account closed. They simply stated they reserve the right to close my account. The issue comes in when I requested my remaining balance of XXXX I was told it could not be sent to me but must be requested from " the funding source '' I attempted to reach out to XXXX  Merchant account who promptly explained that is not a service they provide, and the amount was not the amount deposited. Which makes sense. I took this information back to Current Bank who proceeded to ignore me for weeks on end. I made a FDIC complaint and they replied to me by saying my account is closed. I requested information on my remaining balance again and they told me " the issue has been addressed by a previous member ''. 

I have not done anything wrong for this to happen, I understand that they have the right to close the account. Keeping my money? That is not okay. And for my merchant to request a refund would be some admission of fraud? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to seek clarification regarding the recent restriction placed on my PayPal account ( Reference ID : XXXX ). I received a notification stating that my account activity was inconsistent with your User Agreement, and as a result, I can no longer use PayPal services.

I would like to emphasize that I have always strived to comply with PayPals policies and guidelines. To the best of my knowledge, I have not engaged in any activity that violates your User Agreement. I kindly request that you provide me with specific details regarding the activity in question so that I can better understand the issue and address any potential misunderstandings. 

Additionally, I would appreciate it if you could review my account again to determine if the restriction can be lifted. If there are any steps I need to take or documentation I need to provide to resolve this matter, please let me know, and I will be happy to cooperate fully.

As a loyal PayPal user, I value the services you provide and would like to continue using PayPal for my transactions. I trust that you will give this matter your prompt attention and provide a resolution at your earliest convenience. 

Thank you for your time and assistance. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I did a claim with Wells Fargo because I saw that XXXX dollars were deducted from my account through XXXX the bank closed my account and gave me a new one but they say my claim is denied because the transaction was done through my phone which I didnt I dont know who that person is they say that there is nothing the bank can do that I lost that money its stressing to not get my money back when I didnt do anything wrong

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This list below are iquiries that was made without my consent using my personal information with means of getting credit. This is identity theft 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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This list below are iquiries that was made without my consent using my personal information with means of getting credit. This is identity theft 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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting a balance and history on a business account. 
This account was opened under a business in which I signed a personal guarantee this is a business transaction, and I acted as the guarantor, this account was not taken out on my name, nor did XXXX considered my personal credit history when underwriting approved this loan. It was soley done under business taxes, and profit and loss statements. I am requesting this information to be removed immediately from my personal credit.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was reviewing my credit reports and noticed that there have been some fraudulent accounts opened under my name. These are : - 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 XXXXXX/XX/XXXX This is significantly affecting my credit report. 

There were also some addresses that I have never used : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There are a few phone numbers that are also not mine : - ( 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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