vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for a secured card with Citi Bank on XX/XX/2022. 
The application was declined with guarantee of funds in the form of personal deposit. 
The credit has been displaced for 7 years without any significant change in scoring or evaluation with lenders. 
This has prevented me from having an emergency credit card for life necessities, etc. 
This has discriminated against me in first time home buyer programs by age discrimination, I know I should have been able to purchase a home in my XXXX 's like everyone else but they all filed bankruptcy and started again with a new car the next month and a new home the following two years. 
You can see all of my scars and stripes and that really isn't anything on my credit but student loans that requires decent income for payment of the education receieved ; The last fair or equal lending receieved was with XXXX bank for $ XXXX credit card/split in two for rewards my XXXX  year in college. A college kid caring more about sign up rewards instead of limit. Honestly, the value scale may have proved to be in my benefit because it would've have appeared worst. 
I'm tired of being discriminated against with everything!

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX BANK XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 years.

15 USC 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 2022-10-05 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: NC

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX XXXX5 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 years.

15 USC 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 explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my Transunion Credit report and noticed my score dropped XXXX points. There is not apparent reason and they could not give m any. My utilization is 28 % and my balances were reduced. Just would like to know why.

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 2022-10-05 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: GA

Complaint narrative:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXXXXXX 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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I submitted the following claims to Regions Bank, XXXX. on a VISA Business Debit Card last fouXXXX ( 4 ) digits ending... XXXX ( " Card '' ) issued by Regions on business checking account held by XXXX XXXX, XXXX. Consumer submitted Two ( 2 ) claims for unauthorized charges/fraudulent transactions on the Card ( ending # ... XXXX ). 

On XX/XX/2022 Consumer submitted a Claim for Ninety ( 90 ) transactions totaling {$12000.00} that had posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Consumer submitted a Claim for six ( 6 ) transactions totaling {$870.00} that posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Regions provided credit for the smaller XX/XX/2022 Claim ( pursuant to Reg E - per Regions Bank Bank Statement citation ) but Regions refuses to refund the larger XX/XX/2022 Claim. The facts and circumstances of the XX/XX/2022 Claim and the XX/XX/2022 Claim are essentially identical except for the dates, amounts and locations involved. 

Consumer is a XXXX, XXXX to a XXXX and is unable XXXXo drive an automobile. He is unable XXXX XXXX to any of the locations where the unauthorized charges took place. A police report was filed and the investigation is on-going with the XXXX XXXX Sheriff OfficeXXXX Regions Bank documents in my possession evidence and specifically reference person of interest-Jacquline XXXX. VISA Business Debit Card Agreement provides for Zero Liability but Regions has not provided the " VISA Reference Number '' whereby they forward the Claim to VISA for review under their " Zero Liability Policy ''. Actively communicating with VISA in this regard. Requesting CFPB investigate this matter and that Regions Bank be required to refund the total amount of the XX/XX/2022 Claim to my bank 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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: PA

Complaint narrative:
XXXX. In XX/XX/2022 I used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to move from XXXX to XXXX, during the process they broke my XXXX XXXX XXXX Curved TV , which was worth {$600.00} 2. I requested a refund from XXXX XXXX XXXX XXXX for my broken TV 3. They ignored my request and refused to refund my TV 4. I requested a {$500.00} refund through my credit card 5. They immediately followed back and threatened me to send my info to the debt collector 6. I told them this is what they owe me because they broke my TV 7. On XX/XX/2022 I found SOUTHWEST RECOVERY SER opened a collection account under my name asking for {$500.00} that I do not owe to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: FL

Complaint narrative:
Transunion alert states that i recieved a hard enquiry on my report from " XXXX XXXX ''. no idea who it is, they can not tell me who it is and phone numbers ask to leave message

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 2022-10-05 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: GA

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited a paycheck from my job on Saturday XXXX XXXX when I received it by mail. Their website states that checks will be deposited into accounts after XXXX hold period. I called Monday to see if my check funds could be released and was told it wouldn't be a problem since my account has been open longer than 6 months, but to call back Tuesday morning since my XXXX hrs didn't start until Monday ( business day ). I called back Monday at XXXX and was told again that it won't be a problem, but call back after XXXX to have the funds released. I call back at XXXX and am told no, they will not release the funds until Friday, XXXX XXXX. I asked to speak with the Manager who says she can not give me a reason why the funds won't be released and laughs when I ask to escalate the call further. She wouldn't give me any complaints department info and only gave me the corporate mailing address to write a letter to complain. I even expressed that continuing to hold my funds will make me delayed further in paying my rent which is due by the XXXX, causing me to incur fees and face an eviction letter. Still no response from Capital One as to why my funds will not be released. I have submitted an email complaint and contacted them through social media with no response. I have deposited at least 5 checks before this, that were hand written personal checks with no hold period longer than 48hrs. This is a printed payroll check with document authentication drawn from XXXX & XXXX, paid by a reputable non-profit organization signed by XXXX. There is no reason I should not have access to the funds after 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Approximately 4 years ago, I took a personal term loan from Truist Bank. At the time the loan was originated I set up automatic debits on the account for the payments. 

Truist Bank has a policy for personal loans such that they will not process the final loan payment/payoff amount of a personal term loan because it might be a few dollars off the monthly payment amount. However, Truist does not give notice of this policy in their loan statements or otherwise, which resulted in late fees and additional interest when the final loan payment was not automatically processed on my account. 

I called and the customer service representative stated that this was supposedly disclosed XXXX years ago, but I have no memory of it. While Truist agreed to waive my late fee, I was charged additional interest on the loan and had to waste time calling in to close the account. I am complaining because : 1. it is likely I am not the only consumer that may forget that they have to call in and make the final payment, 2. I have never encountered this policy with other providers ( XXXX XXXX just processes the final payment ), 3. Consumers are being harmed by this policy through avoidable interest charges, late fees, and, if the customer doesnt call in soon enough, damage to their 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 2022-10-05 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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MD

Complaint narrative:
To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY TRANSUNION CREDIT REPORT!, XXXX HAS ALREADY REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXXXXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 2022-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
When I applied for rooms to go credit card XXXXXXXX XXXX was in the store, and no body told me about security card program, I never received any information about it and I NEVER agree with this monthly charge. I called so many times to cardsecurity and request a copy of my agreement whit this service and they send me a letter telling me I agree when I click on my application online, that is incorrect because a employee on rooms to go did the process for me. 

I cancel the service, and they offer me XXXX dollars for the inconvenience! I claim a fraude process but they only said wrong information about my account. I was unemployed for 1 year since covid, if I know a had this service for sure I was applied for the benefit. 

I called Rooms to go and after talked with XXXX representatives any one give me a solution, I called myshyncronic bank To make a fraud claim for take my money without my permission. 

I tried to contact the 3 companies a any one wants to fix my problem and security card do not have any record about contract or agreement showing my permission o prove of this purchase. 

I requested the statements from XX/XX/2017 and they are on the way. I send you a statement from XXXX with a unauthorized charge from my security card.

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