vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 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: NY

Complaint narrative:
On XX/XX/2021, I contacted Experian about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021XXXX XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal 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 explanation
Consumer complaint received 2022-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I contacted Equifax about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: NY

Complaint narrative:
On XX/XX/2021, I contacted Experian about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal 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 explanation
Consumer complaint received 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I contacted TransUnion about the following inquiries XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX - XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 2022-05-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-05-29 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2022-05-29 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On Friday XXXX my account was compromised. There were 2 atm transactions that were successfully taken out of my account. One transaction was for {$200.00} at XXXX at a XXXX XXXX and {$40.00} at XXXX at a XXXX XXXX XXXX While, I was at work. I received numerous alerts regarding atm transactions that were declined. The declined transaction were for {$820.00}, {$500.00}, {$400.00}, and etc. i disputed the situation with chime bank. They sent me an email an hour later saying there wasnt an error and there closing the dispute. What kind of investigation is done in a hour. There is no way an investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX with XXXX XXXX # XXXXXXXX XXXX XXXX, and my sister XXXX XXXX with XXXX XXXX # XXXX, XXXX XXXX XXXX. We bought a XXXX XXXX XXXX car on the day XXXX/XXXX/XXXX, in the XXXX  dealership # XXXX, located On XXXX XXXX XXXX, XXXX, NY XXXX. The purchase of the car was for the sum of $ XXXX financing of {$3900.00}, for a total of {$28000.00}. The contract was made for XXXX payments of {$390.00}, my last payment was made on XX/XX/XXXX, with this last payment, I completed XXXX payments for the amount of {$29000.00}. I called many times to solve this problem, and then, they always change their arguments.They state that I have not send my payments for XXXX and XX/XX/XXXX. I have copies of the payments in my bank account. Later they stated that XXXX  payments had been removed, because I requested XXXX  payments extension due to the Covic 19 pandemic, which is false, I only requested XXXX extension in XXXX and XX/XX/XXXX, they stated that perhaps my sister called for those extensions. Which is false, because my sister does not understand about these procedures. Many times I have called to make an appointment at a XXXX XXXX XXXX office, they tell me that they do not have offices for these case in NY, and what is reflected in the computer is my debit of {$1600.00}. On the invoice of XX/XX/XXXX, there were XXXX payments that I owed, and the total payments was XXXX, after I protested because there were XXXX payments, if in my contract was for XXXX, the following month XX/XX/XXXX, they reduced it to XXXX payments and now still owed {$1600.00}. Please I need an investigacin in my case. Thank you very much. God Bless You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XX/XX/XXXX I proceed a transaction from my client for a job on my CLOVER account, on XX/XX/XXXX they took the transaction fee out of my account and never transferred the money.On XX/XX/XXXX I had to call to see why my transaction wasn't in my account, come to find out security is holding a review on it, they didnt send an email or an alert ( which is very unprofessional saying that the fund is in review ) ( also they never sent me back the transaction fee since the transaction wasn't made ) I asked to speak to a person in risk department and they tell me the only way to talk to them is via email and they would have to be the one to send it, also that a reply wont be back till 24-48hrs. Now it took a while 2 weeks for a XXXX XXXX only to tell me that I have to wait and that the transaction will be sent to the account the next day. Well guess what? Nothing came in and I called back again and I had to wait a whole two weeks to talk to the same LIAR called XXXX XXXX. XX/XX/XXXX ( a whole month after ) I get on the appointment with XXXX and he tells me that I should issues a refund to the client and that my account will be closed, needless to say this LIAR lied again. He told me that I can issue the refund on XX/XX/XXXX and it will be sent to the client.On XX/XX/XXXX I called the clover company ( by the way, they dont have any good communication, and they dont care about your problems to find a solution for it, theyll give you the run around till you are frustrated ) and they tell me that the refund will have to go thru security risk which might take another two weeks, but yet XXXX XXXX XXXX told me the refund will be sent to my client by XX/XX/XXXX. When I talked to my client he informed me that he hasn't gotten anything. I called CLOVER again and had to schedule an appointment with the same XXXX on XX/XX/XXXX. On XX/XX/XXXX I talk to him and he tells me that he is just now putting in the request for the refund to be released ( mind you he was suppose to do that since XX/XX/XXXX, I also requested to speak with a supervisor to which he told me none was available ( how convenient for him that one isn't available for me to report him ). on XX/XX/XXXX I called CLOVER again to which the told me someone would call me within 24-48hrs, today is XX/XX/XXXX and I have had it with all the lies and run around. this is a round for the amount of {$10000.00}

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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX citibank sent me a letter stating that my account will be closed but did not give a reason. It stated that i will be receiving the funds i have left within 30 business days. I do not owe them anything and yet upto to now havent recieved anything. I called Citibank several time only to be given the runaround and lies. I was told several times that the check is on the way or it will take about 15 business days to arrive from the time i called and was also given a confirmation number just in case theres a problem the next time i called. So, here i am calling after 20 days with no check. i gave the confirmation number and sure enough i was told that there is no such thing about this number. I mean why would someone do that. I also did go to the bank itself so many times and yes i did talk to managers but nothing was ever resolved. I know i have a little over $ XXXX plus {$1400.00} from the 3rd stimulus payment which by the way CITIBANK HASNT RETURNED TO THE IRS which is supposed to be the right procedure. But, no Citibank has kept it for themselves. The last time i spoke to someone about this matter was XX/XX/XXXX and spoke to XXXX XXXX hes a bank XXXX, very helpful, tried everything he can but only to be informed that i have {$0.00} bal in my account and i wont be receiving any money. WHAT!! I mean Cmon, really, XXXX balance!! This is so not right at all! I am hoping the Federal Reserve can investigate this problem and return what belongs to me. 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 monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am traveling abroad in XXXX with my XXXX XXXX XXXX credit card. In order to re-enter the united states, I need to book a COVID test online. When I try to make an online purchase with my credit card, it asks me to verify with a text message. My US XXXX does not have coverage in the country I am in, so I am unable to recieve the code and complete the transaction. Today I experienced this and it almost made it so I was trapped in a foreign country. I brought this concern up with Capital One support a few weeks ago, but they told me there was nothing they could do about it. It is false advertising that a credit card advertised as a travel credit card is unable to be used for online purchases when abroad. There is nothing that clearly states this " seperate cell phone service required to make purchases abroad '' is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: PA

Complaint narrative:
A few months ago i noticed over XXXX auto loan inquiries on my experian credit report. I know it was fraudulant because I am not in the market for a new car. I bought my car back in 2019 and have not applied for loans since then. I printed off all of the information that experian requires for disputes and i sent it to them via USPS certified mail. I explained to them that none of these inquiries were made by me and are fraudulant. I further explained that if they are not connected to a account on my report then I want them removed. out of the XXXX fraudulant inquires they removed XXXX! Having that amount of inquires on my report is affecting my score ( which im in the process of re-building ) and its making things difficult for me. 

XXXX of them are from ( XXXX XXXX ) XXXX of them are from ( XXXX XXXX XXXX ) XXXX are from ( XXXX  XXXX XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX XXXX XXXX from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX ) Those are XXXX inquires that I did not make! and experian refuses to REMOVE. these inquires were made fraudulantly in my name. Those are just the ones that stuck out to me because there are so many so I may have missed some. All I want is these removed from my credit. This has had a negetive impact on my life and i have had to apply security freezes to multiple reporting agencies including locking my credit report with experian becasue im scared its going to contine due to their lack of 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 non-monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXX ; PayPal deposited a sum of {$3500.00} into my PayPal account. The money was accidentally transferred. PayPal took out {$100.00} depositing fee and then credited {$3500.00} back, causing insufficient funds in my palpal, and then tried to withdraw {$3500.00} from my checking account! They realized their mistake, and basically said oh well, not our fault!!! 

They credited back the {$100.00} to get my PayPal balance up to the refund amount, but will not return the funds to original party. 

I now have {$3500.00} of someone elses money in my account, plus a checking account ( XXXX XXXX XXXX locked! I cant refund money, cant get PayPal to stop hitting my accounts for their mistake, and XXXX XXXX  refuses to unlock my account! I have declined bills due to auto pay, and no access to my funds! 

This has been ongoing for 5 days now, getting the run around from bank to bank, with no Resolution.. 

1 ) Unlock my XXXX XXXX  account ( XXXX XXXX  ) 2 ) refund the money PayPal accidentally deposited 3 ) clear this matter quickly so I can re-instate my auto pay and direct deposit This would of never happened if PayPal followed a simple protocol 1 ). Before depositing, a verification of accepting the funds to prevent this from happening 2 ) not removing their fees on refunds or suspicious activities 3 ). Being able to stop direct withdrawals and reverse charges.

Company response to consumer: Closed with explanation