vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OH

Complaint narrative:
I was sent a prepaid Mastercard by NetSpend that I did not request. I tried to call the company and cancel the account but they would not cancel the account without me providing the last four digits of my social security number. Because I never filled out an application or requested this card they should not have that information at all but somehow they do and they will not provide me any information unless I give them the last four digits of my social security number. I refuse to give them any information about myself since I did not sign up for or request this card. If they have this information they have stolen my identity somehow.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX Bank of America received {$5300.00} from XXXX XXXX XXXX which represented funds being returned because a payment made through BOA 's online bill payment service had been refused. 
XX/XX/XXXX I contacted BOA bill pay customer service to get a status. The CSR informed me that she was able to see that the funds had been returned and would initiate a request to expedite the return of the funds to my account. I received a message in response indicating that the matter was being researched and I would be contacted in 3-5 business days with an update or resolution. I contend that no research was needed because they already knew to whom the money belonged. I sent a complaint email to BOA about the delays in getting my money back into my account. 
XX/XX/XXXX I talked to XXXX XXXX XXXX BOA XXXXs Executive Resolutions team in response to my complaint. She just confirmed that it would take 3-5 business days to address the issue, that it was " standard '', and that nothing could be done to expedite things. 
XX/XX/XXXX Received a message acknowledging that BOA was in possession of my money and it would be credited to my account in 1-2 business days. 
XX/XX/XXXX I was able to determine that the money had been restored to my account in the XX/XX/XXXX processing cycle. 

I do not think that financial institutions should be able to implement these arbitrary policies regarding when customers are given access to deposits that rightfully belong to them. Funds should be credited to customers ' accounts as soon as BOA is able to determine the rightful owner.

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 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES : 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 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 XXXXXX/XX/XXXX I HAVE FILED A REPORT FOR FRADULENT ACTIVITY

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 2023-09-13 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:
PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES : 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 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 XXXXXX/XX/XXXX I HAVE FILED A REPORT FOR FRADULENT ACTIVITY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-09-13 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Robo calls after XXXX continues no one there this is an attempt to collect debt. Did talk to collector theatened i could lose my job. This so called debt a lost or stolen credit card was reported to sheriif and gov site identy theft. I talked to pay pal i talked to ban corp as money was taken from my checking and purchase i did not make were used illegally when my cards were stolen from my glove compartment my bank notified me and my checking mastercard debit pay frozen. the credit card when i got my statement showed XXXX dollars in illegal charges this i talked to loss and theft it was reveresed 11 months later a 3rd party bought this account is taking me to court Case Number XXXX District Court of Maryland XXXX XXXX Synchrony Bank XXXX XXXX XXXX . XXXX says I have no balance card lost or stolen. In addition i have had phone calls from robos. Can you help. 12 months ago i went throught the nightmare of identy theft and fraud now it has come right back. phone XXXX Federal Trade Commision identy theft filed XX/XX/2021 about Synchrony Bank Lawyer XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX Maryland XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX age XXXX on social security, i am a XXXX XXXX  state of maryland work part time as a XXXX XXXX  licensed with XXXX XXXX XXXX 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 2023-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Selected category is not exactly the issue but none matched any better. Chase is looking into a fraudulent credit card application submitted in my name. I spoke with their fraud staff and shortly after the conversation received another email saying " Thanks for requesting a new credit card. '' Thinking it was another fraudulent application, I called again to check. Fraud staff advised there was only the one application - their reference number XXXX. After the call, we received another email saying, " Thanks for requesting a new credit card. '' Apparently, every time you talk to them this email is generated? This is very confusing. Once the application has been denied ( which they confirmed several times ), this should stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington national Bank made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 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: AL

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-13 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: EQUIFAX, INC.
State: AL

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit. I was shocked to learn I have been a victim of identity theft. I found one account XXXX XXXX account number XXXX 

on my credit report that was not open by me. 
and addresses that im not associated with. 
( XXXX XXXX XXXX XXXX Illinois XXXX ) and ( XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Illinois XXXX ) this account was already removed off my credit report days ago and has been reappeared which is completely illegal this has been hurting me as I am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report immediately. I have attached my ftc report. please view attachments. 
remove this account and these addresses as they don't belong to me. please see attached. this account is not showing on any other bureaus only Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Re billed for unknown charges with added late fees and interest for fraudulent charges.

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 2023-09-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I spoke to experian multiple times telling them that XXXX XXXX  has been using my information without my authorization, which is identity theft. I have no account with XXXXXXXX XXXX  or card. I spoke to XXXX and they told me that their " machines '' made errors and they were correcting them, they continue to report false balances to Experian, and Experian has not acknowledged that I have called and reported what XXXX is doing as identity theft of which it is,.

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 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased {$4000.00} in USDT to the platform XXXX from an ATM on XX/XX/2023. Then I made a wire transfer from Chase Bank to XXXX in the amount of {$16000.00} on XX/XX/2023. This money from XXXX was then sent to the XXXX Cryptocurrency Platform under the website address XXXX. The {$20000.00} was used to trade and resulted in an amount of {$370000.00}. On XX/XX/2023 I asked to withdraw the money from the XXXX platform and the customer service agent told me I needed to pay {$48000.00} in personal taxes before my money could be withdrawn. They said if I pay these taxes I would not need to report my earning to the IRS. I told them just to send me my {$20000.00} back and keep the rest and they said they could not do that. They also said they could not cancel any withdrawal over {$100000.00}. Therefore, because I do not have {$48000.00} to pay the taxes I can not withdraw my money and according to my tax agent, I should not be paying any taxes to them anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I did not authorize my card to be charged by XXXX XXXX XXXX for {$2.00}, XXXX, and I told and have given police and identity theft report also company charged debt off to other debt collectors and they have been harassing me and creditor is still seeking payment with other debt collectors and thats unlawful and they have this information. I have also asked for verification of my authorization this transaction and they have not given me that! And the reinvestigation did not seek valid proof or information about this 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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Gemini Trust Company , LLC has been withholding my cryptocurrency for over 2 months. They said it was security hold and I have verified everything with them but they have not respond back. My ticket is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
Created this account to credit build, decided to cancel and close out the account. Later reported that I owed {$60.00} for the ( XXXX XXXX monthly payments ), however, the monthly payments were not notifying me that I was owing still, I cancelled the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-13 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: EQUIFAX, INC.
State: FL

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief