vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have filed a dispute with the three credit reporting bureau on XX/XX/23 and has not gotten a response from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had {$25.00} in cash that the XXXX  had converted into a prepaid card ( without my permission ). Well I tried to direct deposit my balance to my CashApp account not knowing that cashapp has to have a direct deposit form filled out by the prepaid card provider, or maybe the XXXX? Either way I sent it and have not received my balance in cashapp and the prepaid card balance is empty {$0.00}. My question is, will i or can I get my {$25.00} back? 
Thank you for your time I hope we can get my issue resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: NC

Complaint narrative:
CREDIT REPORT DISPUTE LETTER I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 
The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount : {$480.00} HARD INQUIRY : XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS DERAGATORY AND I AM REQUESTING FOR IT TO BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item ( s ) to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Lost account due to unfair fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Experian regarding the expiration of their allotted time to investigate my consumer report. It has been over 30 days since I first requested an investigation, and Experian has failed to provide me with a resolution. This delay is a violation of my rights as a consumer and has caused me significant financial harm and emotional stress. 
Furthermore, I believe that Experian is violating my right to privacy pursuant to XXXX. They have not disclosed the form needed to correct errors in my report, nor have they given me the option to opt in or opt-out. This lack of transparency is unacceptable and has further exacerbated the situation. 
Additionally, I have evidence that Experian falsified documents to close my CFPB complaint case and extend the time they have to investigate. This is a clear violation of my rights and is causing me further harm. 
As a result of Experian 's actions, I have suffered financial loss and emotional and mental stress, which has injured my right to obtain loans. I believe that I should be compensated for these damages.I strongly believe that I should be compensated for all the harm I have suffered due to Experians noncompliance and willful neglect I am requesting that the CFPB investigates this matter thoroughly and takes appropriate action against Experian. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX THIS IS IS NOT TRUE YOU HAVE FALSIFIED YOUR RESPONSE TO CLOSE MY CFPB COMPLAINT!!! ( # XXXX ) Dated : XX/XX/XXXX  Litigation involved STATUS Company responded there is litigation involved on XX/XX/3 THESE ARE TOTALLY NEW ISSUES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my sponsor, EDD sent me a bank of America prepaid card with my funds on XX/XX/XXXX. i have never received a card. i have called BOA multiple times and just yesterday i received my card XX/XX/XXXX. I was having a hard time creating an online account because I need it the card number to create one. 2hen i went into account it is showing i had a card with all my benefits that have been used. BOA will not help 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 2023-05-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure 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 non-monetary relief
Consumer complaint received 2023-05-07 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: GA

Complaint narrative:
My information was compromised and used by a former roommate during a move back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: GA

Complaint narrative:
My information was compromised and used by a former roommate during a move back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure 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 non-monetary relief
Consumer complaint received 2023-05-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to you once again regarding the inaccurate reporting on my XXXX Bank account XXXX XXXX XXXX ). As I have previously stated in my two previous letters, the information on my credit report is incorrect and is negatively impacting my credit score. Account status is incorrect this account is paid. This has been reported as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to request that you investigate and correct any inaccurate information on my credit report. Despite my previous requests, I have not seen any action taken to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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: GA

Complaint narrative:
My information was compromised and used by a former roommate during a move back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo continuously asked me for more and more information to verify my address after I had already been approved for and opened the account. I finally closed the account over this. They also never sent me the credit card I was approved for ( I could only use it on my phone through a digital link they gave me ) and recently found out my credit card account is still open even though I called to close it and was told it was closed over a year ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Im not exactly sure. I closed my account with Wells Fargo and I dont have the exact dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
I received a title loan through titlemax in XXXX Kansas their location in XXXX to be good and I was approved for {$600.00} but they only let me receive {$400.00} until I make my XXXX payment then I would be able to receive the other {$200.00} unfortunately I never make the 1st payment. So I only ever received {$400.00}. It's been a few years now since the loan and I guess I forgot and I never called to check on it because of then I was at XXXX shopping and they repossessed my car while I was in the store so me and my kids were left with no right home And no idea where the car even went for 3 days to the police department finally locatedit and I tried working a payment out with the corporate office for titlemax and they were beyond rude Multiple people I spoke with. They wanted XXXX That was it I could only come up with XXXX and I asked if there was anything they could do they refused at the same time They spoke to me in the most degrading and disrespectful mannor That I have ever received from any body else especially from any employee or buisness as a whole. They have since continued not to speak with me it's been a total of 3 weeks since my car was repossessed they refuse to talk with me by continuously hanging up on me or being rude and yelling to the point they can't hear anything I try saying. They refuse to give me anything put of my car when they took it nor would they even dispose the tow company name for me to atheist get my belongings out of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX  stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. 

Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? 

After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. 

They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? 

Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. 

The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Someone opened or tried to open a savings and checking account with Bank of America in my name. Apparently the scammer got my name and social security number. I got three email notifications from Bank of America that an account was created on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and asked if they could flag the account or close it as it's not mine. They said in order to confirm my identity I would have to visit a Bank of America branch with two forms of ID. There isn't a Bank of America anywhere near me, not in my state at least. So I have no claim number or ability to follow up with Bank of America since there isn't a branch location in my state. They sent me a link to schedule an appointment with a bank branch but again, there is no location near me and even if I wanted to schedule an appointment I can't because it requires an account number which I don't have because I don't bank with Bank of America. So now I have to call all the credit agencies and figure this out on my own because Bank of America can't figure out a system to prevent this or even help reconcile this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: NJ

Complaint narrative:
Despite my efforts to resolve the situation, Experian has failed to cooperate in correcting their mistakes, which has had a significant impact on my life and family. While I have successfully contacted the three major credit bureaus to take corrective action, Experian has not fulfilled their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that their credit reports are accurate and complete. 

As a result, I have spent countless hours and resources attempting to rectify the situation, but to no avail. I have even contacted the relevant public record office to address the alleged bankruptcy reporting on my credit report and have received assurances that the issue has been corrected. However, Experian continues to report the bankruptcy, claiming to have verified the information with their source, XXXX. 

I have provided Experian with numerous letters from XXXX confirming that the information has been removed and expressing regret for the error. Nevertheless, Experian persists in reporting the erroneous bankruptcy, in violation of the FCRA 's requirement that consumer reporting agencies conduct a reasonable investigation of disputed information and correct any inaccuracies. 

The FCRA provides consumers with a right to access and correct inaccurate information in their credit reports, and imposes a duty on consumer reporting agencies to ensure that their reports are accurate and complete. 15 U.S.C. 1681 et seq. Experian 's failure to fulfill this obligation has caused me significant harm, and I request that the court hold them accountable for their actions and provide appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: MD

Complaint narrative:
In accordance with the fair credit reporting act 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 an 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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of identity theft. 
Someone opened a checking account in my name using phone numbers I dont recognize. But had my old apartment address. And now Bank of America has closed all my accounts and will not let me open another one. 
I did not ask them to open an account they allowed someone else to in my name so I dont understand why I am being punished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer XXXX and Transunion to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I had a checking account with this Citizen bank. The only ATM the bank offer is approx. 50 miles away from where I live, and there is no other ATM in 300 miles radius. I do not want to pay fee to withdraw money from other ATM. Also they do not service the only ATM here, so most of the time I drive 50 miles to learn the ATM is out of order. Also usually the paycheck that is paid by my employer does not show on Friday, Citizen credit the amount on next business day. I called the customer service line to close my account twice. They assured me the account will be closed and the balance will be mailed to my home address. However I never get that check, instead of check I have got this letter attached. They have the audacity to play with me. They never closed my account on time. Waited 2 months, added service charge to the account. Took my money that was supposed to come to my address as a check, made the account negative. After doing all this, they closed the account. I want my money back without shenanigans. I wish I have seen all XXXX reviews about this bank before opening an account there. Thanks.

Company response to consumer: Closed with explanation