vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

XXXX XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from 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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Theres too many dates to listed. I have been impact by covid. I have done my best to maintain account with funds. What I dont understand is if the account is low or has no funds then why wound the bank go ahead and paid leaving a negative and then charging overdraft fees. I have bit sign up for a protection and I have tried to address the problems numerous times and I get the same reason that they have the right the charge the overdraft fee. Well if you have the right to charge the fee then you also have the right to decline payment. I need this to be address and stop. I have been negatively affected by this and covid and its so unfair and no justice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and TransUnion data breach and may have reached the hands of a fraudulent person

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 2022-01-28 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: CARD Corporation
State: VA

Complaint narrative:
on XX/XX/XXXX, I made a purchase for {$280.00} to XXXX online. I found out that this company was a scam when I did not receive items that I had paid to delivered in 2 days, unable to contact the merchant and no merchandise received. I started a dispute with Card.com on XX/XX/XXXX. I called Card.com on XX/XX/XXXX and was told that they found no error, and closed the case not in my favor. I asked for proof of investigation into the merchant, as I could not reach the merchant. The phone number and email addresses on the website are not valid. Were they able to reach the merchant? Were they able to obtain any sort of tracking for my merchandise? I do not feel they investigated into my claim because they would have acknowledged that I was a victim of a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had money in my tether account bought from US dollars that was stolen from a scam. The website is XXXX and I have seen a lot of other people were scammed also by them. They took {$120000.00} out of my coinbase wallet and now are demanding that I pay capital gains taxes upfront of {$56000.00} to get my money back. I have everything paper trailed, filed a police report, a complaint to the fbi, notified tether and coinbase asking them to freeze the wallet addresses of those who stole from me. I haven't gotten anywhere. Please help there are many more of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I purchased a {$200.00} Visa Vanilla gift card at XXXX on XX/XX/2021 and when I went to check the balance before spending it in XX/XX/2021, I saw that the funds had been stolen on XXXX XXXX  in 40 transactions of {$5.00} each. 
I called the number in the back of the card many times and provided them with all the information they asked since XX/XX/2021. So far, every time I talk to " Vanilla VISA '' they say XXXX realized the expenses were fraudulent and returned the funds to them, and that my refund is in the way, but it never arrives. Every time I call the clock resets for another 2 weeks wait. I feel Visa is scamming me too, and as a matter of fact I am not sure I am dealing with them at all. I would think Visa would be a more reliable company to deal with. 
What can I legally do to get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I received two unauthorized pre-paid cards ( 1 ) XX/XX/XXXX and the other XX/XX/XXXX of 2022, in the mail via CashApp. Both have my address and full name on them. I have never signed up with CashApp prior to receiving these cards, for some reason you need an account to talk to their customer support, which is in app and then they email you for further assistance. I have reported these cards there. I have not received a response from this company in regards to if these accounts will be terminated. I don't know the extent of what info is needed to gain access to create a pre-paid debit card through their app. I am concerned that this will continue to happen and I will have multiple cards sent under my address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
`I closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me 6-7 years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXXXXXX XXXX  Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all 3 credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Maury Cobb, Attorney at Law, LLC
State: AL

Complaint narrative:
`I closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me XXXX years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXX Collection Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all XXXX credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for XXXX  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am trying to set up the Experian account to get free credit report and credit monitoring as part of settlement. When I login, Experian says it will send a text message to my OLD expired HOME PHONE which can not even receive text, I can not choose the " Choose security Questions '' option as this is erroring out. A phone number is given to contact Experian and when I call, I can not reach a human being, the automated call response boldly states, either you deal with the automated option or disconnect, it is incredibly frustrating.

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 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I'm writing in hopes of getting an issue resolved. For several months my account was charged without my consent due to screen mirroring on my device ( it was hacked ). I didn't receive any notifications to alert me of the transactions. This was a secondary account so basically it was used as a savings account. I notified the bank and did a claim which was denied. I later filed another complaint ( rebuttal ) on XX/XX/2021. During the process of filing the rebuttal doing a thorough check of my account we came across some more new transactions form a merchant that weren't in my previous claim. Another claim had to be escalated making the claim for the rebuttal and another new claim for the latest charges that appeared on the account. During the process of each claim the bank didn't provide me with a temporary credit as stated in their policy, it was as if it went null and voided or appeared to only for a " selective few ''! I later received a letter for the smaller claim with the claim number used for the rebuttal. It stated " My claim had been denied because the merchant returned the funds '', therefore they no longer needed to move forward with the claim. This information was totally inaccurate the merchant did return the smaller claim but not the initial claim on file for over XXXX. XX/XX/XXXX I contacted the financial establishment spoke with another representative that looked through the account and stated the MERCHANT NEVER RETURNED ANY MONEY, therefore they're going to do another rebuttal and have it escalated the information in the system at this point was very conflicted. Even the agent was confused. There were overdraft fees which were never reimbursed that were astronomical. I'm highly frustrated and now seeking a physician for the stress this has caused me. In these difficult economic times I would've like to believe I would be protected by my financial institution but instead I feel as if I've been victimized twice. SUNTRUST what a name with a lack of!

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 2022-01-28 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: TX

Complaint narrative:
Experian and XXXX are reporting an inaccurate address that does not belong to me. I have already called and wrote letters requesting this to be removed. Please remove this address that I have no association with. 
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, 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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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