vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp was supposed to refund me {$950.00} I have reached out to them XXXX times and they keep giving me the run around. My transaction right now says it was supposed to be refunded last Wednesday and its still not refunded. No theyre not answering anymore and when they do answer they wont put me otp with any supervisor idk what else to do. My number is ( XXXX ) XXXX. My email is XXXX & My name is XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened an account with US Bank based on marketing solicitation promising a {$400.00} account opening bonus. Because I was an authorized credit card holder, the US Bank online system would not allow me to register for online access and setting up direct deposit as the marketing offer required. I spent several hours over many weeks attempting to fix this with US Bank online support personnel. Only after I tried registering online access for a credit card I received as an authorized user, did I gain access to my new checking account online.

I asked for consideration since the offer required a certain dollar deposit within 90 days of opening. Instead, US Bank claimed that the marketing solicitation was only good for addressed targets. Since the email was sent to my spouse, they would not recognize the offer and after all that work, refused to pay the {$400.00} promised. 

I visited the XXXX, WA branch and asked for the account to be closed. Today, I received a letter from US Bank dated XX/XX/2022, that I owe them XXXX. That they closed my account for an overdraft amount and are demanding payment. Further they state they will report this to credit reporting agencies to prevent me from opening other accounts and make my borrowing more costly. 

I called customer service this afternoon at about XXXX XXXX  I spoke with XXXX. She said that the XXXX XXXX did not close the account. XXXX said that the account was closed for a {$0.00} overdraft and the overdraft fee is {$30.00}. I never received prior notice of a {$0.00} balance owing on this account. I did not use the account for any regular banking business because of the technology issues. That they did not alert me about the balance owing and arbitrarily charged me a {$30.00} fee without any notice is unacceptable. In my view, US Bank reneged on its promise of a {$400.00} payment.

I ask that US Bank rescind this improper charge of {$30.00} and pay me the {$400.00} it owes me.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I contacted XXXX, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
In XX/XX/XXXX I leased a XXXX XXXX through Kia/Hyundai Financial . All payments throughout the leasing term were made on time. When my lease expired in XX/XX/XXXX, I decided to purchase the car, for the purchase amount of {$16000.00}. I financed the loan through my personal bank, XXXX. XXXX submitted the payoff amount to Kia, in XX/XX/XXXX, and there is record of Kia accepting payment. A couple of months later, Kia placed a derogatory mark on my credit reports, claiming the account as a charge-off. All attempts to fix this with Kia have been unsuccessful. Kia claims they returned the payment back to XXXX, but can not provide any record of the supposed returned payment. It was escalated to several supervisors, who were going to look into it, and get back to me, and I have never received a follow up phone call. In XX/XX/XXXX, the derogatory account was removed from my credit reports. In XX/XX/XXXX, it was put back on by Kia Financial, still claiming the account as a charge off.

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted the credit bureaus and the creditor. There is information on my credit report that is inaccurate and should not be on my 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 non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
XX/XX/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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account 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

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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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

XXXX XXXX XXXX : XXXXXXXX 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 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 terms 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 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint concerns Citibank, but started with an online scam, an email I received on Friday, XXXX XXXX, 2022 purportedly from XXXX XXXX falsely charging me for a subscription renewal. Unfortunately I called the number on the email and was connected supposedly to their customer support rep, who agreed to refund the money. To do so he persuaded me to allow him to access my computer. A manipulated " error '' omitted the. in the refund amount, so that it came out to be thousands, not hundreds of dollars, which somehow did appear my screen as a credit to my checking account. Now of course I felt guilty at having these thousands which were really not mine, and was persuaded to " return '' that extra money via an international wire transfer to a XXXX XXXX XXXX. ( The " rep '' said company XXXX was in XXXX XXXX. ) After a couple of unsuccessful attempts to access my Citi account online, I was finally able to do so, and with the scammer still on the phone with me, I initiated the transfer. It went through immediately without a hitch. 

Coming to my senses a couple of hours later -- it was now past XXXX -- I called Citibank customer service XXXX Their rep recognized this particular scam, said my account showed the debit ( but not the supposed credit ) but that that did not mean the funds had yet been released to the account owner, put a hold on my accounts, and " escalated '' the report to their wire fraud department. The rub : There is NO ONE in that fraud department on the weekend ; I could not reach them by phone until Monday XXXX By Monday I am told that yes, the money has now been released from the XXXX XXXX XXXX  to the account holder. And that Citi has sent a message to the XXXX XXXX XXXX, which will ask that the account holder [ fraudster! ] return the money. Citi says the matter is under investigation and could take up to 90 days. I am astonished and outraged that Citi allowed the transfer to go through in the first place, from a longtime customer who has NEVER made a wire transfer, much less an international one, much less in such a huge amount. No red flags? They do not seem to have safeguards in place to protect their customers. 

I have filed reports with the XXXX XXXX police, the FBI, and the FTC. I emailed the Citi fraud department on XXXX XXXX ( because nobody could connect me with an actual person ) outlining the case and my frustrations with their actions ( or lack of same ), and asking for an explanation for the delay in funding my new accounts from the old ones. ( I had been given different reasons on the phone from different reps, and had been advised to just go to my local branch, which I could not do and which, it turns out, would not have solved the problem. ) To date I have had no response to my email.

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
While in XXXX on vacation and my card was fraudulently charged XXXX on XX/XX/2022. I did not catch the charge on the first bill, but when I did see the fraud, I called US Bank immediately to report it. US bank put a temporary credit on my account, but for some reason removed the credit and are now trying to make me responsible for the fraudulent charge. XXXX things I have a problem with. Number 1, US Bank isn't working with me to resolve the fraud and Number 2, I cant believe US Bank wouldn't flag a charge in this amount in a foreign country. US Bank is not working with me and they continue to harass me for the payment, but will not research the fraud charge.

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 2022-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: IL

Complaint narrative:
I have asked for a copy of an original contract and a completed XXXX form. I have not been supplied with either. In fact, in a response letter, they admitted that they do not have an original contract. I believe this account is a result of identity theft. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have 8 hard inquiries that I did not authorize which is identity theft and fraud the names of the companies are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name :XX/XX/XXXX# : XXXX Account Name : XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX Account # : 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 a account with my written instrutions. 
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 XXXX 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 explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. 

Account name : XXXX XXXX XXXX, Account # 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 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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

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. 

Account name : XXXX XXXX XXXX, Account # 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 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 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation