vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
Regarding complaint # XXXX Its been XXXX  days, and Transunion has NOT responded to the CFPB regarding my complaint. 

Transunion has failed to respond to myself via written notice. 

Transunion is bound by law to remove the derogatory item that they have furnished on my credit report. 

Transunion has failed to respond to my dispute within the 30 day time period.

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 2022-06-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a Vanilla {$500.00} gift card for my girlfriend 's birthday on XX/XX/22. It was purchased at a supermarket about a mile from my home. I held on to the card until XX/XX/22 the actual birthday. When she tried to use the card, it had only XXXX cents left on the available balance. 
After checking online and calling customer service it seems that while I was in possession of the card someone was able to make a purchase in another supermarket XXXX miles from my home. For the entire amount of the gift card except for about XXXX cents. 
I filed a report with Vanilla the issuer of the card and they just keep telling me that it is under review. Its been 90 days so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
old info, act is aged 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 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
old info, act is aged XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX, XXXX My Suntrust Bank credit card received suspicious charges, so I contacted Suntrust card services by phone. The suspicious charge was deleted, and the card service employee suggested my card be discontinued and a new card issued to me. I told her that my wife and I had several credit/debit cards with Suntrust, so simply discontinue that card and that account, which ended in XXXX. She agreed to do so. No further statements were ever received by us regarding that account. 
Beginning XXXX, XXXX, Truist took over accounts of Suntrust due to merger, and immediately I received an annual charge of {$89.00} on the above referenced account. I WROTE a letter to Truist card services stating this was an inactive account and the card no longer existed.

After receiving two more statements, now with late fees, I CALLED Truist card services explaining that these were charges on an inactive account, and while explaining that she was showing the above account to still be active, told me Truist has a policy of NOT crediting annual charges. She said she deactivated the card ( the same thing I was told in XXXX of XXXX ). I've just received yet another statement with another late fee. 
This is an internal mistake by employees of the bank card services. I'm not paying fees on a credit card account which should NOT have existed as of XXXX, XXXX. Again, following our conversation in XXXX of XXXX, no further statements or activity were received by me, nor sent out from Suntrust Bank... the matter was closed.

Truist refuses to address this situation, but harrassingly continues sending me monthly statements plus late fees on a non-active account. Please help.

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 2022-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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 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

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 2022-06-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-06-06 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

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 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I'm being inundated with emails from a company named Coinbase regarding an account I allegedly have with them. Please understand that I have no account with this company. While I have unsuccessfully attempted to contact the company in order to inform them of this fact. It is impossible to reach them. Evidently whoever has this account lives in XXXX, and is fraudulently using my email. Please help me inform Coinbase that they are evidently being defrauded. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information

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 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.

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 2022-06-06 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: NY

Complaint narrative:
After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX  and XXXX and placed freeze but accounts might already be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: SC

Complaint narrative:
On XX/XX/2022 I picked up a rental car at XXXX in XXXX XXXX that I had reserved through XXXX XXXX  XXXX. When I got to the XXXX XXXX counter the agent told me my credit card on file was expired, XXXX card ending in XXXX. I apologized and gave him my XXXX XXXX XXXX  ending in XXXX. The rental amount was {$340.00}. A few minutes later my husband called and had been contacted by XXXX XXXX regarding a charge from XXXX in Virginia for {$540.00}. He asked me if the charge was valid and I said I do not think so as it was for {$340.00} and I had to use XXXX XXXX XXXX. His response to XXXX was that the charge did not appear to be valid. XXXX was then going to close the account and open a new one. A new credit card was received from XXXX in just a few days. 
I returned the rental car to XXXX in XXXX XXXX on XX/XX/2022. We never heard anything from XXXX until a letter from Viking Client Services, a collection agency, was received in the mail XX/XX/2022. The letter was notifying me that they were trying to collect a debt to XXXX XXXX XXXX. I immediately phoned Viking Client Services and spoke to XXXX XXXX and said it was sent to collection for reason # XXXX. She did not know what that code meant. I told her that this obviously was an error on and I would contact XXXX and XXXX XXXX XXXX. 
XXXX told me there was a transmission but since we had told XXXX that the Virginia location and amount of {$540.00} did not match my XXXX XXXX rental amount of # XXXX the transmission was declined. She suggested calling XXXX to explain the situation and XXXX would gladly transmit the amount owed immediately if we authorized it. I spoke to both billing and claims on XX/XX/2022 and XX/XX/2022 and neither department would work with me. I asked why I was not contacted regarding the matter and why they did not use the XXXX XXXX I gave the agent at XXXX in XXXX XXXX. No one had an answer for me and also proceeded to tell me that I was on the Do Not Rent list for both XXXX and XXXX. Lastly, I also asked what the collection reason code # XXXX was and they wanted to know where I got that information and then told me that was an internal confidential code that they could not share with me. This was clearly a mistake made by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hey I open a bank with citi bank on XX/XX/XXXX and I got my second check from my job and I did mobile deposit on XX/XX/XXXX they told me I have to wait 1 business for the check to clear and my check still didn't clear so I called to XX/XX/XXXX check still didn't clear at all and they telling me I have to wait for next month idk why this is un professional

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 2022-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
On XX/XX/XXXX received an email from Minto Money account number XXXX stating that I owed money for a loan and the payment was returned for insufficient funds. I called the company Minto Money and spoke to XXXX who verified that there was a loan taken out for {$1200.00} dollars in my name on XX/XX/2022. I informed XXXX that I did not apply for a loan or agree to receive any funds. He stated the loan was funded to an account number from XXXX XXXX  XXXX and that my personal information was used to obtain a loan in my name with a seven-year-old address. 
He placed me on hold to verify the ownership of the bank account with XXXX XXXX and upon investigating with the customer service representative from the bank, the account was indeed not mine and belonged to an individual named XXXX XXXX. 
This individual received funds from a loan fraudulently obtained in my name with my information to their personal XXXX XXXX  account. I have made a fraudulent complaint with XXXX  regarding this matter indicating the individual who owns the bank account XXXX received funds from a loan opened fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am currently XXXX XXXX XXXXXXXX XXXX in the military and was enrolled in the Servicemembers Civil Relief Act ( SCRA ) with American Express on multiple occasions. I say multiple occasions because this is the second time that I have had to deal with this. I have remained on XXXX XXXX since I was first enrolled into the SCRA program with American Express - therefore, and per the SCRA guidance below, I should have remained enrolled in the program throughout my time on XXXX XXXX. 

" For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). '' I have reached out and spoke to four representatives ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2022 ) with American Express to discuss the situation in hopes of having this issue resolved prior to me having to deploy. However, I continue to get the same response ... '' the SCRA benefits only applies to the debt accrued prior to service. '' According to their representatives, I was removed from the program on XX/XX/2022, which does not make sense since I was definitely on XXXX XXXX during that time. I asked the representative why XX/XX/XXXX, and she could not give me a definitive answer. As stated above, that is clearly not the case. The six percent interest is to remain while I am on XXXX XXXX. 

American Express is the only credit card company that I am having this issue with. XXXX and XXXX XXXX have adhered to the guidelines listed above. I am beyond frustrated because I should not have to worry about making sure I am mentally and physically fit to defend my country, while stressing over American Express fraudulently charging me interest for more to 2 years on two separate American Express accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights in the amount of {$970.00}.

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, I'm having an issue with Equifax about late payments on my credit report. Equifax is showing that I have five late payments and both companies are stating that the information is incorrect. XXXX XXXX XXXX XXXXXXXX XXXX also give me an XXXX number ( XXXX ). This problem has been going on for about XXXX months now. Also, I have more ( XXXX  ) numbers ( XXXX ) & XXXX XXXX XXXX XXXXXXXX. The second company name that's reporting late payments is XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MI

Complaint narrative:
I've notified the bank and disputed the charges but they held me reliable for the transitions and took the funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
There are XXXX ( XXXX ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.

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 2022-06-06 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made attempts to unfreeze my credit report several times. I have reset my log in, sent in proof of identity, and called technical support But I have not been able to access my credit report, credit score, or the ability to unfreeze it.

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