vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Unsolicited issue of credit card. Arrives newly issued w/significant charge on it to issuing company. Comenity/XXXX  CC w/ XXXX XXXX charge to XXXX. I understand it may be ID theft but how does issuing company place charge on to card to itself. Should raise red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or 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: Block, Inc.
State: VA

Complaint narrative:
XXXX XXXXXXXX  {$50.00}, {$20.00} transfer into cash app.minus XXXX Unauthorized charges. XXXX for {$19.00} XXXX for {$49.00} Disputed, {$19.00} + {$8.00} XXXX returned and withdrawn on XXXXXXXX. XX/XX/XXXX, my daughter transfers {$30.00} to my cash app. I go to XXXX XXXX to use it and both {$7.00} charges trying to get cigarettes declined+ {$5.00} XXXX XXXX/ @ XXXX XXXX. Also declined was a charge for {$29.00} @ XXXX XXXX I did not make, It was thankfully declined because I only got {$29.00}, after fee. I messaged cash app ever since. Can not get my {$30.00}. XXXXXXXX, {$4.00} from XXXX declined. XXXX XXXX, I received {$20.00} to help pay for gas. I only was able to use $ XXXXI am missing {$30.00}, {$4.00} and {$16.00} since XXXX. I was just credited the {$49.00} from XXXX On XXXX XXXXLooking on my statement there is another charge from XXXX for {$49.00}, that I did not do on XX/XX/XXXX on my statement, but not on my feed. W/ same ID : XXXX. Statement does not show all of my declined transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation
State: AL

Complaint narrative:
The listed price for the vehicle is not listed in my contract, TILA wasnt disclosed, the mileage in the contract wasnt the mileage on the odometer, I was rushed into signing to discover the saleswoman printed my name on a page in the contract, I wasnt given the option to opt of GAP when I already had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have a XXXX XXXX XXXX. I have a citi credit card set up on autopay. On XX/XX/23, I found XXXX charges from citi. XXXX purported to be a returned check fee and the other an insufficient funds fee. Both carry the same transaction number and both claim to be the result of a returned autopay. 

1. Although an autopay was due around this time, the bank records show a sufficient balance available and show that no attempted debit was made. 

2. The auto debit was {$25.00} and the XXXX fees ( differently styled returned item fees ) amount to {$90.00} in fees. 

The only contact with Citi advised that she was not authorized to address such issues and could not reach a supervisor. She was only able to read a script stating that the " fees are valid ''. She was unable to define the nature of the fees, explain why there were XXXX separate fees in differing amounts for XXXX alleged transaction or provide a transaction ID to prove Citi made a successful autodebit attempt. The only information she could offer was a XXXX XXXX XXXX write a letter to Citi. A copy of this complaint will be forwarded to that XXXX XXXX XXXX Citi has violated the terms of their own contract by applying multiple fees to XXXX transaction and has engaged in fraudulent practiced by failing to attempt a transaction and then gouging the customer, TWICE, for their failure.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: SC

Complaint narrative:
After the passing of my XX/XX/XXXX, I contacted XXXX XXXX in XXXX XXXX  to close my father 's account. I was told to me by someone in the estate department of the bank that I needed to submit these documents to define kinship. I submitted these documents at that time. It's XXXX of XXXX, and we are still waiting for a resolution from the bank and No contact from the bank about the status of funds in his closed account. 
They would not permit the local branch to assist with the matter. They required us to fly to XXXX XXXX to close the account when they had a local branch within the local city. It would have caused hardship on our part Popular Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-07 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: FL

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my TransUnion consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX Account number XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX  XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX  XXXX Account number XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/23 I attempted to make a deposit into a usbank drive up ATM machine. The machine initially wrinkled the money and spur it back out. I then resubmitted the money. The machine then froze and stated processing transaction for about XXXX minutes. Then returned my card.but not the money. The machine then turned off tv gem reset and stated a .escape this machine unable to accept deposits. I took a picture of message. Online banking showed no history of the deposit. I tried calling the bank but was unable to reach a person and was disconnected XXXX. Tines. I then clef the fraud department and wS told there was no history of me bend at the ATM. However my GPS and phoneog can prove otherwise. I was told today my claim was denied. I know there are cameras at arms. I've been an unproblematic customer for over XXXX  years. I've filed a puce report regarding this matter also. My account is now overdrawn and I'm experiencing financial hardship due to this transaction. I don't feel that worth today 's technology there isn't a record of my transaction and footage of the issue. I was told my claim was denied but I must wait XXXX to XXXX business days for a letter to tell me why. All while I'm being charged overdraft fees and having my bills returned annd will assessed additional fees and possibly have my services disconnected. All while receiving no explanation for a large financial institution.

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 monetary relief
Consumer complaint received 2023-02-07 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX account number XXXX XXXX XXXX XXXX account numberXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Agency is trying to collect on a debt that I have denied and disputed and they will not remove or stop activities! Also they did not state on credit report that this was being disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: MI

Complaint narrative:
I have tried to get different disputes solved in order to get certain items off of my credit report and multiple listings corrected as well. Every time I have tried, they won't reopen the dispute or let me resubmit it again. Every single time I have tried to get old accounts off they refused to remove it, double reporting accounts they refused to remove it even though one company no longer owns it/. I am sick and tired of this company refusing to do anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: VA

Complaint narrative:
To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the Creditor ( XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
1. I am the rightful owner of this debt by sending me the Original Contract with my original signature, the name, address and telephone number of the Creditor, the full payment history of this account with all the payments made, and proof that they are authorized by the Creditor to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX  to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.

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 2023-02-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 2023-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Creditor : Mercedes Benz Financial ISSUE : Mercedes Benz Financial is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XXXX XXXX 
Mercedes Benz Financial took until XXXX XXXX XXXX  to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
Mercedes Benz Financial continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXXXXXX XXXX by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with Mercedes Benz Financial via phone and mail. I have also disputed over and over with XXXX, XXXX and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
Mercedes Benz Financial representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
After a scam of a purchase of gift cards, XX/XX/2023,, Chase bank, holder of my credit card was phoned and alerted to the even withthin the hour.. The charge had not yet been posted to my account. Chase said they could do nothing about it.In later interview with a chase agent, my interview was posted with her as occurring at XXXX XXXX. I did not speak with her until after XXXX XXXX. 
Two procedures the bank must practice to prevent these scams are : XXXX ) make all Credit cards under their fraud protection program universal. 
XXXX ) be able to remove charges not yes posted available to fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Hey, I use Gemini XXXX for XXXX XXXX. They list XXXX XXXX and support XXXX XXXX. I mistakely send XXXX XXXX to my XXXX XXXX XXXX, my usdc coins are sitting in my Gemini XXXX XXXX address and they are refusing to help. Its easy to recover and really easy to send back to me because all exchanges doing that. Can you help me to recover this. 

No ne helping me from Gemini all they are saying ''we will inform you when we have update, when we support sol-usdc bla bla bla ''. Can you help me please its a lot of money. 

This are the information you need Gemini XXXX XXXX : XXXX Chain : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TX

Complaint narrative:
Inquiries on my Experian Credit report that are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report . I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items 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 non-monetary relief
Consumer complaint received 2023-02-07 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: TX

Complaint narrative:
Inquiries on my Experian Credit report that are fraudulent. 
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 XXXXXXXX XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report XXXX I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items 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