vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I reported my card & transactions last month on the XXXX it has now been over XXXX days & I've gotten no where. I never received the questionnaire Direct Express mailed me so I was advised to submit a hand written statement which I did. I wasn't told any of the numbers for my claim to put on my statement so I left it blank. On the XXXX of XXXX I received a deposit for XXXX which is good yet I'm still missing XXXX so when I called Direct Express on the XXXX I was told it was to late for me to receive a provisional credit since I didn't submit documents come to find out my claim that I made was split into XXXX different claims how would I even know that? So on the XXXX the lady I spoke with said she was sending over a escalation and they had until the XXXX of XXXX to decide if I'd get the credit or not. Well I never heard anything back then the beginning of this month I received a call from someone named XXXX stating she was a advocate with Direct Express and she'd be my main point of contact. Since that day I've never heard from her again. I keep getting the run around & I'm honestly over It. It shouldn't take this long an I don't understand why when I call and stay on hold for over an hour sometimes longer none of the reps can tell me anything that helps. They claim they don't know anything or they say just wait. Well this isn't your money so of course it's easy to say " JUST WAIT '' XXXX person even told me " You just called yesterday why do you keep calling thinking you'd have an update ''. Please fix my issue & hire new knowledgeable CUSTOMER SERVICE REPRESENTATIVES!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I ordered a early warning report to see what was on it and I see Wells Fargo reporting personal information on early warning about my banking transactions and I dont bank with them for XXXX and how did they obtain my personal information without my knowledge or consent XXXX  XXXX XXXX which is my personal bank also sharing my personal information which is a big let down because I bank with this company and thought my personal information was being protected

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 2024-04-07 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: WI

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on an account that i in fact paid on time. Putting me at XXXX when I paid XXXX percent of this off on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/17, XX/XX/17, XX/XX/17. XXXX now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid immediately. Thanks you for your understanding and taking time out of your day to hear me out.

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 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: HI

Complaint narrative:
I am unable to withdraw my crypto from my Gemini account to an external wallet. I have been a Gemini customer for over XXXX years without any issues. I regularly withdrew my purchased crypto to an external wallet. It was always to the same address. Gemini recently approved a couple of my Wallet addresses as secure addresses for additional security. I recently Purchased approximately {$25000.00} of crypto and since then I have been unable to withdraw it. Gemini is no longer answering my emails. Approximately XXXX weeks ago when a security hold was put on my account I contacted Gemini customer support and and they emailed me back asking for additional identification information which I provided. After that, I received a couple of follow-up emails telling me they are working on the issue and to be patient. They refused to give me a reason for the hold. For the last XXXX weeks they no longer answer my emails. all I want to do withdraw my purchased crypto to my external wallet. After doing some quick research online, I have discovered that recently this has happened to a lot of Gemini customers. All the same issue. I believe Gemini is stalling and does not want me to withdraw my crypto. 
My ticket number for customer support with Gemini is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: WI

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on an account that i in fact paid on time. Putting me at XXXX when I paid XXXX percent of this off on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, XX/XX/year>. Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid immediately. Thanks you for your understanding and taking time out of your day to hear me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Good morning! I am filing a complaint against this debt company because I had not been properly contacted by them regarding the debt. I also had no affiliation with XXXX XXXX  since XXXX but this account shows that it was opened in XXXX of XXXX with XXXX different dates. I tried to pay this debt as soon as I was made aware of it on XX/XX/XXXX ( I found out by having a company run a credit report to find out why my credit score dropped ) by calling CACI and going on the designated website but I needed a reference number in order to complete the payment which I dont have because they never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank states they can not verify my funds. They closed my accounts and refused to send the money in the closed accounts. I have called several times to receive the money in those closed accounts and the will release my money. I have amounts total in {$41000.00}. The bank closed my account since XX/XX/2023. I dont know what to do to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding CITI Bank - Complaint # XXXX ( Additional Information ) Dear Officers of the Office of the Comptroller of the Currency, Iam writing to provide additional information regarding my formal complaint against CITI Bank ( Complaint # XXXX ). Iwant ot bring ot your attention aspecific incident that has caused me significant distress and financial hardship, further highlighting the inadequacies ni CITI Bank 's customer service and account management practices. 
On XX/XX/XXXX, Ideposited my tax refund into my CITI Bank account with the expectation that these funds would be available for my immediate use. However, to my astonishment and utmost frustration, on XX/XX/XXXX, CITI Bank froze my account, placing a hold on those funds pending verification from the Internal Revenue Service ( IRS ). 
The sudden freeze on my account by CITI Bank, without prior notice or explanation, has had severe consequences on my financial well-being. It is both disheartening and perplexing that CITI Bank would take such preemptive action without reasonable grounds or due process. Iunderstand the importance of financial institutions adhering to regulatory practices and combating fraud, but freezing my account on the mere basis of a tax refund deposit is unacceptable. 
Iemphasize that my tax refund is a legitimate source of income and does not warrant such extreme measures. Ibelieve it is CITI Bank 's responsibility to exercise prudence and diligence in evaluating customer accounts before implementing such disruptive actions. The repercussions of this account freeze have left me without access to the funds deposited, exacerbating my financial strain and compromising my ability to meet my essential obligations.

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 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
It seems like someone has made an attempt to apply for lease an XXXX  under my information. It was brought to my attention by a fraud alert that my social security details were exposed to the dark web. Shortly after I misplaced some important documents that may have been used in this process. I was unaware of this transaction until it was posted on my credit reports. In an attempt to apply for a property it was brought to my attention that I have a collection on my account that a collection on my account for a property Ive never stayed or leased at. At the time of said lease I was living in XXXX  and relocated to XXXX. Never have been affiliated with this place. And what I thought was an attempt to protect my information. I reached out to the credit bureaus shortly after being notified that my information was exposed to freeze my account. It was brought to my attention that I only put a fraud alert on it, as this is not a situation that I am familiar with it wasnt aware of the extra steps needed to protect myself. Ive attempt to collect information from said debt collector, but was unsuccessful, not proof of signature or lease detail has been provided to me.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX  closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off

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 2024-04-08 00:00:00
Product: Credit 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: CA

Complaint narrative:
Item XXXX - Disputed Charge Of Appprox {$170.00} I brought a XXXX printer ( @ approx {$170.00} ) from XXXX on XX/XX/XXXX with XXXX year manufacturer warranty. Since, then this printer had " ongoing '' issues. Both XXXX and XXXX did not resolve it. I disputed this charge with this Credit Card Company. This Credit Card Company asked all the paperwork. I USPS mailed all paperwork on before XX/XX/XXXX. Now this Credit Card Company fraudulently reversed the provisional credit of approx {$170.00} on or about XX/XX/XXXX and refused to investigate and credit me the disputed charge of approx {$170.00}. 

Item XXXX - Missing Approximately {$4300.00} XXXX XXXX This Credit Card Company fraudulently removed about XXXX Rewards point

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 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX- has violated my rights. 
15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When XXXX CARD SERVICES account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all XXXX Credit Bureaus. But they closed my XXXX CARD SERVICES ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : 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 non-monetary relief
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX- has violated my rights. 
15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX- has violated my rights. 
15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation