vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act : 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 an account without my written instructions. I am requesting a copy of my written instructions that I provided to each of the credit agencies. If the agencies are not able to provide the requested information they will have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX  branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, XXXX and Transunion. They never did.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, Equifax and XXXX. They never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX incorrectly reported a 30 day late payment on my credit card. I went to a XXXX branch and the bank manager opened an investigation. I then received a letter from XXXX  that the information was reported in error and they would update the information with Experian, XXXX and XXXX. They never did.

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc
State: CA

Complaint narrative:
I tried to withdrawal my funds from my wallet from Blockfi XX/XX/2022. Status has been showing " pending ''. They are not responding to any calls. I was supposed receive my funds XX/XX/2022 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello Good day! 
I have been using PayPal since 2017 and during this period I don't use PayPal too much last few month I stared using PayPal and receiving payments from my clients.I have updated my personal account to my business account and the limitations was placed on account immediately PayPal asked me to provide XXXX things proof fulfillment photo id more information about transactions i have XXXX $ in paypal account I provided them all information and photo id document but after 2 days I was received email from PayPal we have permanently limited your account you can no longer do business with PayPal I don't now why all this happened I tried to contact with PayPal but I have not found any reply kindly Help me in this matter and help me in getting back my account Account Details : First name : XXXX XXXX name : XXXX Email address : XXXX Pp reference id : Ref ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: 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. 

XXXX Experian XXXX  XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX Account XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX 
Account XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX Account Number XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: GA

Complaint narrative:
I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: GA

Complaint narrative:
I have been working on my credit report every XXXX. Each XXXX I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. Experian, XXXX, XXXX, and 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 2022-11-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I was reviewing recent charges to my Citibank Visa credit card ( XXXX ) charge and noticed a large charge for {$830.00}. I did not recall any purchases of that amount and reported the fraudulent charge to Citi on XX/XX/2022 95 days after the reported charge ). This is shown on their website under fraud claims, see attached print screen. The claim was denied and forwarded within Citi from their Fraud Claims Department to Disputed Claims Department. This transfer was not at my request. On XX/XX/2022 the Disputed claims gave a credit of {$40.00}, again, this was not my request and is not a satisfactory outcome to the fraudulent claim. I have followed up repeatedly, requested any copies of original receipts showing my signature for the purchase and I have received nothing from Citi showing such a purchase. On another follow-up call in early XXXX, I was discussing the claim status with the fraud department and they transferred me to the dispute department who on XX/XX/XXXX attempted to reopen the claim as a fraud claim and they advised me to follow-up in 5-10 business days. With no update to the claim, no re-opening as of XX/XX/2022 I am filing this claim in hopes of a satisfactory resolution to this issue.

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 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I found a gift card issued by www.giftcardmall.com expiring in XX/XX/2024 Out of 16 digit Visa / Debit card number on front of the card, only nine of them are legible. On the back of the card, the 19 digit number & the security code are all legible. 
Called the gift card company @ XXXX and opened a case XXXX, they asked for my phone number, email, home address, copy of my driver license and copies of front and back of the card and the purchase receipt. 
.I don't even remember who gave me the gift card, so I wrote them back letting them know, that I can not find the purchase receipt. 
They emailed me back, to let me know unless I found and give them a copy of the purchase receipt for the card, they will not be able to give me a replacement card. 

Wanted to see & check if there is a remedy to this situation and any way to stop the gift card company 's unscrupulous practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/22 My card was stolen ; I still do not know how, but when I went to use my wallet the next day I noticed that my card was missing. It was used for many charges that I disputed as fraud as soon as I found out. Discover removed them from my bill and placed them back on my bill today XX/XX/22 without any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc
State: TX

Complaint narrative:
I have an account on Blockfi and they have paused withdrawals. I made attempts to withdrawal XXXX on XX/XX/XXXX and the date of delivery is set for XX/XX/XXXX however I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/22, I received an Email offer from Citi which states " Earn {$20.00} back on your Citi Card with XXXX. '' I did have 3 purchases using XXXX and each of the transactions is {$470.00} on XX/XX/22. However, until now I still have not seen this {$20.00} credit yet. I tried to call the customer service line but it seems they even do not know the offer and they decline to honor the offer.

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 2022-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
About XXXX  months ago I received a credit alert from XXXX that I was delinquent on an account from Affirm Inc. which dropped my credit score significantly.I filed a dispute with XXXX because Ive never even heard of Affirm Inc and have never done business with Affirm Inc.I then filed a fraud alert because I was afraid someone had used my identity to open this account. 
I also called Affirm Inc twice and they said they could not find an account with my name or other info and would not allow me to talk to anyone in their fraud department telling me that customer service was the only point of contact for Affirm Inc and that they would take a report and send it to their fraud department and i would recieve an email in XXXX days. Its been over a month and ive heard nothing from them. Yet as you can see on the attached document Affirm Inc says their reporting is accurate, but tell me when i call them, that they cant find an account under my name. 
Affirm Inc is not my account. Someone has used my info to open this account and a simple investigation would reveal that. Affirm has nowhere or no one to talk to to dispute the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have told them they are calling the wrong number repeatedly. They keep stating they have the right number stating I owe for a loan. I do not drive, nor do I take out loans. They keep finding new numbers to call from. This is beyond harassment. Not only that but the most recent calls they just stay on the phone. They don't know this but I have caller ID so I know its them. I've also had times they would not get off the line. We need our line to be open since more than one person in our household has serious health issues and they could turn deadly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National credit systems fraudulently reported debt on my credit and gas ignored my repeated attempts to validate debt get it removed. They report that I owe amounts around {$300.00} to each of these apartments that I never lived in and have no knowledge of. In fact, when I call the apartments to discuss debt they said they have no idea who I am and also confirm that Ive never lived there and never set foot on their premises. I didnt even live in Texas XXXX XXXX, and the alleged debts are from XXXX. Therefore these entries must be removed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$350.00} in XX/XX/XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$300.00} Account number XXXX XXXX. XXXX XXXX {$310.00} Account number XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXX delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state 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 2022-11-19 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: NJ

Complaint narrative:
The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide 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 explanation
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint 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 2022-11-19 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: TX

Complaint narrative:
I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal dispute to update my personal information in my Equifax credit reporting file.I 'm requesting that my address be updated in Equifax reporting system. Enclosed with this dispute is all documents I faxed to Equifax on XX/XX/2022 along with fax confirmation proving Equifax received these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint 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 2022-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Bank. 

The bank has devious banking practices. I requested when I set my CD up that it not be renewed automatically. I was ignored. Subsequently, I was told all accounts are automatically set up with automatic renewal regardless and that this takes effect 7 days after the account is set up I want the money at the maturity date to be moved into my savings so I can get a better rate elsewhere. I was told that I am not able to take my money out of Santander unless I go into a bank OR have a notarized letter. 

Every other bank I do business with allows you to not have automatic renewal in the first place, and to close a CD out online. 

This is a way to discourage people from moving their funds out of the bank. There practices need to be investigated and fined. 

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 explanation
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXXXXXX XXXX is reporting that I opened a card XXXX XXXX XXXX  I did not. 
Their reporting XXXX XXXX usage of {$200.00} This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief