vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
In XXXX of XXXX I received a promotional flyer from USAA offering a {$200.00} bonus for opening a checking account and then completing a {$300.00} direct deposit. Prior to opening the account I spoke with a USAA banking representative by the name of XXXX. I was assured by the USAA representative that an ACH transfer of {$300.00} would complete the requirements for the {$200.00} bonus. In mid XX/XX/XXXX I called and spoke with a conflict resolution XXXX that indicated that they would review the XXXX call. Later that week I received a call from an individual that said they were from the XXXX 's office. The individual assured me that I had met the requirements and that all that remained was for me to wait till the funds had been on deposit for 60 days. That 60 day window ended on XX/XX/XXXX. On XX/XX/XXXX I called USAA and spoke with XXXX. She assured me that the {$200.00} would be deposited within 3 days. On XX/XX/XXXX the monies had not been credited to the account and I called again. This time speaking with XXXX who once again said the issue would be researched and they would get back to me. On XX/XX/XXXX I received another call from the CEOs office letting me know that even though numerous employees had stated I had fulfilled the requirements for the bonus that they determined I had not and in spite of all the previous promises I would not receive the bonus. Instead they were embarking on an intensive education program for employees.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my dissatisfaction with the outcome of my recent dispute regarding unauthorized hard inquiries on my credit report. Despite providing supporting documentation, including an FTC Report, I have yet to receive a satisfactory resolution from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AR

Complaint narrative:
I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX. XXXX XXXX was my sales person for the day. The car was XXXX I agreed to put XXXX down make 3-4 payments then pay the rest off once the tags come into the dealership. I never received my tags after multiple attempts regarding the car and the money I was paying I still hadn't receive a call back or email. I decided to drive to the location and there was a empty lot. No cars no sign of cars or a dealership ever at the location. A police seen me looking around and stopped and informed me the dealership was in some type of legal activities and they vanished. I was giving information to take to Texas DMV and the police filed a report with me. We later found out the car was never registered with the state or was there any proof I purchased the vehicle .Due to me having the proof on my end from the day of the sale we was able to find out the car was on the pro selector list and I was able to soon get my title after a 2 years of fighting with multiple people.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have called, mailed and emailed communication to this company and received no response for 30 days

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Picture of proof included XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 


PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX & 90 DAYS LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

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 2024-03-01 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : - XXXX XXXX XXXX XXXX - XX/XX/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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank 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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint because I have not received multiple Refunds from purchases at XXXX. I used the Debit Card Company Chime. Chime states they can not locate the transactions, it is suspected that the transactions are not located because the Merchant XXXX, charges a temporary hold on online transactions. 

Chime stated that the refund was processing from XXXX, it never arrived, I have been waiting patiently. 

I will attempt to attach the receipts from XXXX, Communications with Chime, and copies of the transactions on my Chine Account. 

I spoke with Chime 's customer service on XX/XX/XXXX, they could not assist me with locating the refunds. 

XXXX stated they Refunded transactions : {$140.00} XX/XX/XXXX {$58.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$66.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$280.00} XX/XX/XXXX The money is still missing from balance today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Improper use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: GA

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-03-01 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: CT

Complaint narrative:
I did not put any personal information such as these address attach on my informations.

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
Around XX/XX/2023, the credit union informed me of a fraudulent transaction of {$21.00} from XXXX. My credit card was canceled and a new one was issued. I filed a dispute and provided info to the credit card people via phone. Many months later I noticed that they never reimbursed my payment. 
Seven months later I just noticed a similar fraudulent charge from XXXX of {$21.00}. I contacted Alliant XXXX by phone and provided them the information for the complaint because they would not allow a dispute of a fraudulent transaction online!!! I also contacted XXXX via the web and the XXXX company. XXXX keep me on the phone for 15 minutes trifling with me, then just hung up. 
At this point I'm wondering why they did not inform me of the fraudulent transaction and we checked about the repayment of the other fraudulent transaction in XXXX. No payment back could be found. 
They also ran me around in circles transferring me from one person to another. 
Outrageous that they should have a " {$0.00} fraud liability guarantee '' yet make sure you can't dispute fraudulent charges without going to great effort. They they just sweep things under the rug, not standing up to their policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I received a call approximately XXXX XXXX XXXX XXXX XXXX from Bank of America ( BoA ) on my home phone number, XXXX XXXX, XXXX ; indicating that 45 minutes ago someone tried to apply for a loan using the last for digit of my social security number with BoA. XXXX indicated that it was alarming that the home address used was XXXX, Tx. He wanted to confirm if I lived in XXXX, Tx ; XXXX also gave me a Case No. # XXXX and transferred me to the Credit Bureau XXXX to speak with XXXX to canceled the application; which I was told by XXXX it was not approved and canceled before he transferred me to XXXX to canceled. It was not connecting so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I had someone use my BestBuy Citi Credit Card on XX/XX/2023 to purchase a camera in the amount of {$1000.00}. BestBuy refunded this charge and issued me a new card. I have never even removed the sticker from this new card or used it, but today ( XX/XX/XXXX ), I received another fraudulent charge in the amount of $ XXXX. I have tried asking Citi Bank what I XXXX do to prevent this from continuing to happen, besides closing my account, since I do like to use this card on occasion. I have the physical credit card in my possession, but you are able to use this card in the store if you have a Social Security Number and Driver 's License. My Driver 's License is also in my possession and has never gone missing, but my Social was compromised during the XXXX breach. The associates must not be requiring a copy of my Driver 's License and are authorizing purchases simply using my Social Security Number. BestBuy can not provide any solution to 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing in response to your letter dated XX/XX/XXXX, wherein you mentioned unsuccessful investigation attempts with XXXX XXXX. I have attached details for contacting my local XXXX XXXX  branch manager, who conducted an independent investigation and confirmed the information in their ( XXXX  fraud departments ) letter. Kindly reopen the case, verify the provided documentation, and utilize the attached contact information for the branch manager. I prefer written communication via CFPB and request no further phone contact. I will pursue damages, including identity theft and negligent accounts, if not resolved promptly. Thank you, These accounts are not mine, they are identity theft. I've never had a XXXX  XXXX  and Idk who opened these accounts. Chase has failed to provide proof i received cards, address didn't exist on date chase claimed accounts were opened in XXXX, address is new construction home in XXXXChase also failed to validate the documentation proving I've never had a XXXX XXXX  which someone paid these cards. Chase can not validate anything must remove by law. I will continue to pursue this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I have called, mailed and emailed communication to this company and received no response for 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
XXXX XXXX XX/XX/2024 is reporting on my credit this is not my account.

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 2024-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/2024 is reporting on my credit this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
XXXX XXXX is illegally reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I was notified by an alert on my credit report that a company sent me to collections. I was not notified once by the company or the collection agency about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
1. I saw an email in my junk box from Citizen 's Bank stating that my personal money market account is negative on XX/XX/XXXX. 
2. I don't have a Citizen 's account, but I have an Investor 's Bank account. 
3. I realised that Citizen 's Bank had acquired Investor 's Bank, and converted my savings account in Investor 's Bank into a personal Money Market account in Citizen 's Bank. 
4. Citizen 's Bank then proceeded to deduct {$10.00} fee per month from my account until it is XXXX before sending a note. 
5. I called them to refund all the fees that they deducted without my approval. 
6. They noted that they are unable to, but managed to refund a portion as a courtesy. 
7. They took a total of {$80.00}, resulting in my account having a balance of - {$17.00}. 
8. When my Investor 's Bank Account was moved over to Citizen 's Bank, it had {$62.00} 9. My account should have been moved to a similar account type with no fees, but Citizen 's Bank converted my no-fee account with Investors Bank into one with fees at Citizen 's Bank XXXX 
10. All of this was done without my knowledge or approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
I did not make any inquiries such as those inquiries added on my account, they are not mine. Please remove them immediately on my account.

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