vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX  bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.

Im response to the previous dispute, Lexis Nexis has not contacted me via email, by phone or mail as stated in their response. I have provided all necessary documents requested in the response. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022 to XX/XX/XXXX, several unauthorized charges were made with the total of {$17000.00} which were posted to my account. These purchases were made in stores such as XXXX XXXX, XXXX, and XXXX XXXX in XXXX XXXX. I had reached out to my bank ( Bank of America ) and asked them to freeze the card and filed for credit card fraud. On XXXX XXXX XXXX Bank of America reissued my credit back into my card in its entirety. However, today XX/XX/, Bank of America reinstated some of the charges back into my credit card because " the purchases were made with a chip and verified by signature ''. Currently there are 3 outstanding charges, {$1200.00}, {$7000.00}, {$5800.00}. The bank stated that they felt these purchases were legitimate and that I would be expected to pay. They also stated that if I had felt that the charges were fraudulent, that I would have to go to the stores themselves and ask for proofs of purchase and see if the store can do anything on their end. I find it frustrating that I have to do the work for the bank, instead of the bank trying to protect one of their customers.

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 2022-08-16 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was notified by email that I was charged {$750.00} for an XXXX XXXX XXXX and charged to my Pay Pal account! I called Pay Pal and they told me that I had cancelled my Pay Pal account on XX/XX/XXXX in 2021!! They gave me a transaction number, and order number! They also gave me this telephone number to XXXX in XXXX XXXX XXXX CA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I'm having trouble with a transfer reversal, and I no longer know what to do. On XX/XX/XXXX, I initiated a transfer via XXXX banks  website from Robinhood to XXXX. The funds were debited from Robinhood but never reached my XXXX account as there was a reversal initiated by XXXX bank who Robinhood has their ACH account partnership with. The funds have not been put back into the Robinhood account. XXXX is saying that the reversal 'expired ' and all Robinhood needs to do is re-request funds. However, Robinhood has been a nightmare. I've spoken to many different people that sometimes understand but nothing ever happens. Raising my voice, not allowing the rep to cut me off on the phone eventually causes them to understand exactly what happened but it always results in them having to pass the case off to a 'team ' that I'm not able to speak to. It becomes an email chain where they eventually stop responding. Now, last week, Robinhood has frozen my account and is not responding to my emails. When I speak to them on the phone, they just say they will pass my information off, and I should hear back soon via email. I've tried calling XXXX bank  twice for any kind of info, but they are of no help and say I need to talk to Robinhood. 

On the XXXX site, I can still see the transfer in 'Manual ' status. Robinhood shows the account was debited and the funds are not there. Each time I've spoken to Robinhood on the phone, they say they need one more thing. I've now provided statements from all accounts I have ever linked going back 4.5 years ago, a copy of my passport, a live picture verification, a copy of my driver 's license, and a copy of my SS card. I have no idea why they needed all these things. 

This is the shortened version leaving out how many times I've spoken to all the banks and the endless hold times and endless email chains. I'm getting desperate and I know I messed up using my Robinhood account as my primary bank account for over 3 years now. I never had an issue until now. The transfer was for {$1000.00}, so I have been panicking a bit. The fact that they froze my account is also causing issues paying bills and screwed up my paycheck when they froze it on a payday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MD

Complaint narrative:
I have rights under 15 USC 1681. Equifax is governed by this law ( 15 USC 1681 ) and my rights were violated numerous times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Please see complaint ID XXXX. This is not resolved as the company didn't do anything outside of one phone call with a false promise to help and then they closed the concern and gave a baseless reply. I am still waiting on a refund from a merchant who did not send me my products. I can not submit another dispute because the window is closed. I need help because PNC is not treating their customers correctly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16 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: U.S. BANCORP
State: NC

Complaint narrative:
Getting ready to upload 4 page cover letter providing detail of transaction where merchandise was never delivered/installed and communication with XXXX aka Elan was ignored. Elan Dispute personnel claim " XXXX XXXX '' denied dispute iao {$1900.00} for purchase of gazebo XXXXXXXX XXXX  XXXX which was never delivered/provided to cardholder. Also submitting 8 pages of documents further evidencing failed transaction. Dispute process at Elan does not adequately investigate dispute and fails to protect cardholder rights!

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 2022-08-16 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: AL

Complaint narrative:
Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a phone call from XXXX XXXX, a XXXX XXXX at XXXX Ext XXXX. She stated she was a debt collector on behalf of Capital One ( XXXX  ). She then explained I had an outstanding balance of over {$1000.00} from a credit card opened back in XXXX and payments had stopped in XXXX. XXXX XXXX further stated several attempts were made to collect and a charge off amount of {$800.00} was made through the bank. I am XXXX XXXX XXXX and afraid of scams. I requested proof of this debit and all she said was the card ended in XXXX, she gave me the last 4 of my social security number followed by an incorrect birthdate. I explained the birthdate was not correct and quite frankly do not recall a XXXX  from XXXX  years ago. I contacted Capital One who stated they do not have me in their system ever having a credit card through their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I have contacted Experian numerous times to fix the glitch in their algorithm that is not taking into account all of my credit history when calculating my credit score. Per my credit report - I have 6 revolving accounts - 5 of which I am an authorized user on and one on which I am the primary account holder. Only the one on which I am the primary account holder is being used to calculate my score. I can tell this by looking at the explanation of my score- it specifically states I only have one revolving account, when on the first page it shows that I have six!

Experian basically told me to seek a licensed credit advisor for advice on how to clean up my credit. My credit has always been in the 800 's so there is nothing I can do to clean up my already excellent credit!

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
My Wife and I have been People 's United customers for over 16 years and have had a very solid and friendly relationship with them throughout that time. We mortgaged our new home through them and have maintained both savings and checking accounts through them with very strong balances. We also, recently opened a business checking account with them after they continuously promised to provide excellent servicing of the new account. 
I then received a letter, in XXXX, from M & T bank stating that they were taking over and no longer wanted to service any of our accounts and that the accounts would be automatically closed by XX/XX/XXXX if we didn't come into the branch and close them ourselves. 
We therefore, visited the branch on 3 separate occasions to try to clear up this matter and obtain an explanation. We were told, all 3 times, that we would be contacted by XXXX XXXX, the bank manager, within 24 hours. We never heard from her or anyone else from People 's United again. 
We left for a XXXX vacation at the end of XXXX and arrived home on XX/XX/XXXX, only to find that all of our accounts had been closed with no explanation, still. I called the home office and they 'again ' stated that XXXX XXXX would contact us when she returned back in the office after XX/XX/XXXX. We again, never heard from People 's or M & T. 
In the meantime, we had direct deposits from my employer that had nowhere to go, as well as bills that were supposed to be automatically paid that fell delinquent.and damaged our exceptional credit rating. And we still have no explanation as to why this happened in the first place. 
My Wife and I have never felt so humiliated and have never witnessed such a cover-up of information as to why we were cancelled by the People 's family to begin with. If they had just been honest with us from the start, we could have made adjustments before our trip to avoid this fiasco.

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have been trying to contact Ally Bank for days and can not get any customer service. Since Ally is an online bank, there are no branches to visit, so this is an urgent problem. 

I have tried calling Ally, but no matter what time of day I call, the hold times are over an hour with no option to get a callback. Nobody can be expected to wait on hold for that long. 

I have tried sending Secure Messages in the Ally app, but nobody has responded. I have sent XXXX messages since XX/XX/XXXX with no response. 

All I need is someone to help get a check deposited. The check has been wrongly rejected twice and needs manual intervention. I can't wait forever to get these funds.

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 2022-08-16 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:
Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error.

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within 30 days of reciept of this complaint.

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past six months.

I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive submitted documentation and disputes regarding accounts that are not mine and they need to be removed immediately.

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I wrote a check to XXXX XXXX XXXX as a donation. Although the check was written to an institution, someone at Truist Bank allowed a private individual to endorse and deposit the {$5000.00} check into their personal account. This should be a clear violation of their banking policies.

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX. XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: TX

Complaint narrative:
XXXX has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.

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 2022-08-16 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: TX

Complaint narrative:
XXXX has sold this account with my name attached, to XXXX debt collectors in the last XXXX years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.

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