vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
On XX/XX/22 XXXX XXXX XXXX was NOT authorized to take a credit/debit transaction in the amount of {$200.00}. However they did take out this money from my bank account. 

They are refusing to refund me the money. They are refusing to answer the phone. They are refusing to communicate with me personally. 

They keep replying with automatic replies. 

I am unable to reach a human at XXXX XXXX XXXX. 

I am working with my lawyer to sue them

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
They are unable to provide a paper trail for transfers between accounts and account holders. As such, I have 2 deposits made into my checking account that they are unable to determine the origin of. Unknown bank transactions. This bank has no idea where the transactions are coming from???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was purchasing airline tickets through the XXXX XXXX website. Upon checkout I had a total of XXXX. I was then offered a promotion to sign up for the XXXX XXXX XXXX XXXXXXXX XXXX to obtain XXXX statement credit, XXXX miles, and free checked bags for my reservation. I submitted my application was intstantly approved for a credit line of {$13000.00}. There was a message stating the card was ready for immediate use to complete my purchase. After entering the information the transaction was not authorized due to a {$3500.00} initial purchase limit. I called citbank to ask to have the intital limit raised to complete my purchase, they said there was nothing they could do, I even escalated to a manager. This promotion was predatory and misleading. At the point of purchase where the amount was clearly over XXXX it should have been clealry stated I would not be able to use the card for the purchase in which it was being promoted for. I had to give my socail security #, now this card is part of my credit profile, if I cancel it because it was misleading I will have a negative impact on my overall credit score which could imapct my ability to purchase countless products, services, and assets moving forward. I am a prisoner to this 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
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
I have autopay setup with Grain Technology , Inc. ; so that payments are drafted automatically from my checking account each month. Grain sends an email ( attached ) stating that Auto-Pay is set up & they will take care of the rest. However on XX/XX/2022 I received an alert from XXXX, XXXX XXXX XXXX that my account with Grain was 30Days past due. Also the same day I received an email from Grain stating " We have lost connectivity into your bank account. '' And finally when I tried to log in to make a manual payment I received a message that said : " Verification Pending '' & I was not able to proceed to make a manual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: LA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under. 

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. 
Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-09-13 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: LA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under. 

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. 
Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I logged into my XXXX  account recently and noticed a XXXX  had been opened in my name and was showing on my account separate from the in store rewards card. I never applied for the card. I never gave permission for a XXXX  to be opened in my name. I contacted XXXX via phone on XX/XX/22. The man said I had been selected as part of an " upgrade '' and the card was opened without me needing to do anything. I told him I wanted it closed completely and taken off my credit. He said he would close it. Then on XX/XX/22, I received an email from XXXX XXXX XXXX  that my card was being mailed to me. I called XXXX  once again. The automated system now gave me my total credit limit and cash advance limit. I spoke to a woman, explained the situation again and asked for the card to be closed completely. She pushed me to keep it open and said it didn't effect me to leave it at {$0.00}. I asked to speak to a supervisor. He told me he was unable to close the card because it was too new. So now I have a XXXX XXXX open in my name that I never consented to and can not close.

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 2022-09-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} 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 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 2022-09-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} 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 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 2022-09-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-13 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:
THIS IS NOT A DUPLICATE Im resubmitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2022-09-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.

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 2022-09-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-13 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: GA

Complaint narrative:
I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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:
I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on 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 2022-09-13 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX 
This has caused me tremendous XXXX, stress, and financial hardship.

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 2022-09-13 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Ive sent in several complaints to no avail, these companies are reporting inaccurate information on my credit report and I demand that these items be removed immediately. According to the 15 USC 1692 ( 6 ) a debt collector is anyone who uses an instrumentality of interstate commerce or mails in any business the principal purpose of which is the collection of any debt directly or indirectly. I have been violated by farmers furniture who has come to my home all times of the day and have sent threatening letters to my home as well. Below I have highlighted all the inaccurate dates and the different amounts that these companies are reporting and that is harming my family and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-13 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: FL

Complaint narrative:
In accordance to the Fair Credit Report Act, the following accounts has violated my rights. 
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 states I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an 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 2022-09-13 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I made a deposit on my XXXX XXXX XXXX. Account at Truist Bank for XXXX {$32000.00}, Account No. : XXXX, this funds are on hold until XX/XX/2022 even though these checks where withdrawal from my client 's bank account on XX/XX/2022, on the other hand Truist is charging me three overdraft fees of {$36.00} that makes the total amount of XXXX {$100.00} according to them " OVERDRAFT FEE ''. I do not understand how this financial institution are operating above all laws and regulations, if this is a legal financial practice please let me know and if not please take action to protect the American people from this financial monsters.

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 2022-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Ive been a victim of identity theft I have not authorized no one to open a Bank of America credit card with my name or my personal information this account was open on XX/XX/XXXX fraudulent amount {$2500.00}. 

this fraudulent account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} this account are fraud open by open by someone who stolen my identity.

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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.

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