vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: OR

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Signed up for a business account the account was not approved but went under review then they approved my account with limits which was fine I used my account accepted a payment for a job I did and everything was fine. Then I received a bigger payment for XXXX that I worked all week for a job and they put my money on hold and froze my account which is totally unacceptable my account should of never been approved int he first place if they weren't going to offer me to use PayPal for business services so at bare minimum I want that money refunded to my customer or let me withdrawal my money and close my account I won't ever use your service again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX of XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2022-08-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX of XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX  account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2022-08-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've attached a downloaded CFPB complaint that was not responded to within the 30 day window.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX I ordered my credit report- from Experian- I paid a fee an was expecting to receive my free Annual credit report in a few weeks, as of this day I have not gotten my report.

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SC

Complaint narrative:
I opened a account with US Bank and I changed my phone and they put a hold on my account then closed my account and sent me back the {$25.00} opening deposit but held the rest of my money for over a month and wouldn't let me touch it.

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 2022-08-15 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, account name XXXX account number XXXX. 

XXXX account number 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 2022-08-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a letter on XXXX/XXXX/XXXX but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-15 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: Comerica
State: OH

Complaint narrative:
My problems began in XXXX of XXXX as to I had applied for my 1st ever credit card with XXXX XXXX credit card .I shortly after due to issues in my home became XXXX  me and my wife split up, and I pretty much ended up loosing everything I ever owned.back in XXXX I managed and start the production of building Recording studio 's for various artist in the surrounding area. I managed the company and it ended up being my new home until the end of XX/XX/XXXX. 
I did not recieve any of the wages I worked for nor proof of employment and to make matters way more stressful one of the artist stole my credit card. I had been in contact with the credit card company every month, By XX/XX/XXXX they had canceled my card.i called a noted number of times to reach out to fix the matter i was lied to as well as told that they didn't have my account any more the sold it to another company in which released my information to other companies that i had never heard of. In XX/XX/XXXX I had opened a account with XXXX in the area for my business and I was still struggling but i brought my credit score from a XXXX up to a XXXX by XX/XX/XXXX i was closse to score XXXX  XXXX notified me that that a fruadulent was deposited in to my account. the banker i had then literally proceeded to humiliate me in public my account information was shared with unknown other customers the teller was presented with evidence that would have cleared me not to been involved with the matter i was made to feel like a common thief because of my XXXX, and also as a customer my rights were vilitated and and my creditibilty as a small business owner was tarnished I have loss wages do to all this and also Direct express had known about my identity be stolen ans has refues any evidence i have to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: OR

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: OR

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MN

Complaint narrative:
On XX/XX/2022 I was served with a Summons for a debt for an account that I believe is not mine. I had n prior notification or contact about this debt. Attorney XXXX : XXXX and XXXX XXXX XXXX  : Crown Asset Management , LLC. Original Debtor : XXXX XXXX for an account called " XXXX XXXX ''. Amount of debt : {$1300.00}. 
I was not contacted by anyone prior to being served the summons. I responded via mail to the attorney, disputing the debt was mine. In response I received via mail copies of 6 statements that had no identification ( no name, acct number, address, etc ). There were also 108 essentially blank pages. 
I responded in writing again, stating this was not my debt and pointed out there was no identifying information on the documents that were sent. The attorney responded in writing saying that the records had been photocopied incorrectly. He sent more copies of the records with a name and address. His letter then continued asking me to call him so negotiations could proceed to settle the debt. 
My XXXX letter that I sent to the attorney asked for a copy of a signed credit application to prove this was my debt. I also asked for the date of the Statue of Limitation. I received another set of the same paperwork, but nothing that I asked for. 
I am being taken to court On XX/XX/2022 over this. I can not find an attorney to represent me because the debt is so small. I am scared and find this whole process intimidating and humiliating. But more than that, how can any debt dealership company like Crown Asset Management be allowed by law to persecute people without evidence of any legally signed contracts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX, I was trying to buy a grill for my husband 's birthday at XXXX when I saw their app showing a special saying, " Get {$75.00} with a new Apple Card. When you spend $ 75+ with Apple Pay at XXXX XXXX stores, online, or directly from the XXXX XXXX app. Must open by XX/XX/30 '' I thought it was a great deal and applied for the Apple Card. I was immediately approved. I bought the grill ( {$590.00} ) and was happy to get {$75.00} back. After a couple of weeks, I didn't see the credit reflected in my account, so I contacted Apple Card customer support. On XX/XX/XXXX, the specialist XXXX said they opened a dispute for the {$75.00} after I explained the situation and sent the screenshots. I never got any answer. Last Friday ( XX/XX/XXXX ), I contacted them again, and the specialist XXXX said they couldn't see any dispute in my account. I feel extremely disrespected because I should never be wasting my time fighting for something that is my right since I followed all the instructions and did all steps for this special. It's ridiculous, and I would NEVER have opened an account with Apple Card if it wasn't for this {$75.00} bonus. I had multiple chances before and didn't even consider it ; this was the first time because I thought it was a great deal and opened one just because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I get a call ( that was fraudulent ) from a person posing as TD Bank Fraud Dept. ( I have proof of call logs ). When this person started asking question that seemed suspicious I hung up and call TD Bank Customer Service. I told the operator what was going on and she said those are scammers who were trying to keep you on the phone to keep you occupied to do whatever they were doing. She also stated that I have 15 charges ( different amounts ) on my account ( equalling XXXX ) and that I can't dispute these charges until the charges actually clear. So she cancelled that card I had bending in XXXX and to me to go get another card from your local branch. I left the gym and then proceeded to do that at the XXXX XXXX, NJ TD Bank branch. I gave the Customer service woman my card ( ending in XXXX ) and she discarded the card for me and then issued me another card ending in XXXX ( cameras don't lie, the camera will show me handing over my card that was cancelled ending in XXXX. On the XXXX of XXXX is when I started the dispute process of 15 charges I did not unauthorized. After about a week I realize no money was put back into my account. Come to find out that the claims Dept. denied my dispute claim saying that my chip was used. How can this be when the transactions were used in XXXX at a XXXX XXXXXXXX XXXX. I have never been out of this country ... .EVER! 
I have proof that I was here in the US ( at the time of the fraud ) ( I have a passport ) and I have proof that I was in possession of my card because I took the old card to a TD Bank location and received another one. This has been very frustrating because I did nothing wrong at all and they are saying I am responsible some how. My card is always with me at all times and my account had 10x as much as they took from my account which was XXXX. Please help me get my money back into my account. I have a police report, screenshots of call logs and locations and there is proof at the XXXX XXXX, NJ branch that I was inside getting another card less than 30-45 min of this happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. I HAVE SENT THIS INFORMATION TO EXPERIAN BUT THEY CONTINUE TO SAY THEY DIDNT RECEIVE IT. SO THEY FAILED TO DO A PROPER INVESTIGATION.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have placed disputes in regards to my payment with Equifax about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that Equifax is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I contacted the listed creditors, and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. I disputed these inquiries with Equifax over the phone and received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2022 at XXXX am I received a text message : XXXX message from Ally Bank @ XXXX. XXXX XXXX sent you {$2600.00}. We'll deposit this XXXX payment to your Ally Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 

But I am not seeing this XXXX deposit into my account even on XXXX XX/XX/2022 When contacted Ally, I am told : Any debit card credit transaction placed today should process by XXXX ET the next calendar day if received by XXXX XXXX. Additional delays in processing by the sending financial institution can also impact the posting of these transactions. 


Moreover wait time on phone and chat is so long ... more than one hour.

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 2022-08-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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