vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was rejected for a loan from XXXX XXXX XXXX ON XX/XX/23 STATED/ EQUIFAX SCORE WAS XXXX Now I HAVE JOINED PAY THOUGH XXXX CREDIT AGENCY- to monitor ALL 3 AGENCIES. 

Right now MY EQUIFAX SCORE PER XXXX SCORE FOR EQUIFAX SHOES XXXX On XX/XX/23 upon applying Thur aforementioned XXXX  ON XX/XX/23 my exquifax score WAS XXXX yet on rejection letter states I WAS REJECTED BECAUSE EQUIFAX REPORTED A XXXX score, I called EQUIFAX FINALLY TALKED TO A AGENT - he said HE HAS NO ANDWERS AND COULDNT EVEN TELL ME MY CURRENT SCORE ON EQUIFAX . Im confused- it was as if I AM BEING PUNISHED FOR NOT PAYING EQUIFAX FOR THE SERVICES I PAY XXXX TO AVCESS ALL REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an existing account with Bank of America and at the time i was doing freelance videography through a site called upwork. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But Bank of America closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer

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 2023-03-14 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: CA

Complaint narrative:
As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.

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 2023-03-14 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: CA

Complaint narrative:
As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.

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 2023-03-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I previously submitted a complaint on XXXX against Transunion LLC Complaint number : XXXX My original complaint stated that certain accounts were posted without my permission and violated my consumer fair rights multiple times and instead of deleting the accounts they were updated. This is inaccurate and should be deleted because those same accounts were disputed on XXXX ( # XXXX ) and they were deleted there ( Date : XXXX ). This information is harming to my credit report as I am trying to buy a home. 

They also stated that I should be receiving a notice in the mail 7 days after the response to my complaint and I have yet to receive this documentation and this is terms for automatic deletion of the disputed accounts. 

Multiple consumer laws were violated. If XXXX deleted the accounts than they should have been deleted across all credit bureaus because of the inaccuracies.

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 2023-03-14 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: CITY NATIONAL BANK
State: OK

Complaint narrative:
City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
While I was in prison somebody stole my money network IRS stimulus debit card issued by XXXX and spent over {$1300.00} on it in XX/XX/2022 without my knowledge. I disputed the charges and they denied my case even though I sent them proof twice that I was XXXX  during the time they still won't refund the money. I've spent several hours trying to call them waiting on hold for almost an hour sometimes. Every time I do get through to them they won't give me any information about my case. They already denied it once I had to appeal it and it's been several months. I appealed it back in 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 2023-03-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following has has violated my rights : Account Name XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX  Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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 a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C. 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 2023-03-14 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: CA

Complaint narrative:
I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -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 explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize and I do not recognize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-03-14 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer can not furnish an account without my written instructions 15 USC 166 B : Creditor may not treat a payment on a credit card with open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one account. I called in XXXX and paid off the full amount which was about XXXX and they closed the account and said it was good. Then I got a report on my credit report in XXXX that there was. XXXX balance on the card. I called and they said it was still interest owed from the prior month. I advised them I paid it off in XXXX and it was closed. Spoke to employee and supervisor who would not work with myself. Told them I would file a complaint. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 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: OK

Complaint narrative:
XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.

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 2023-03-14 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: OK

Complaint narrative:
XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: OK

Complaint narrative:
XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.

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 2023-03-14 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX 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 15 U.S.C 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 seven years.

15 U.S.C. 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 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a American Express credit card and several months later they stated that I owe {$5000.00}, which was not true. Because American Express was asking to pay the {$5000.00}, I did not want it to affect my credit card score. So I sent a check by mail from my bank at the time XXXX XXXX. Several months later, American Express asked me for {$5000.00}, I stated that I already paid the {$5000.00}. Again years later, American Express said they asked me if I had any proof of sending the check. I had not made a copy of the check and closed my bank account at XXXXXXXX XXXX and because it had been years since my account was closed they didn't have access to my account any longer. So American Express was taking monthly installment of a total of {$5000.00} from my account at XXXX  XXXX XXXX and over {$12000.00} from my wife. I am requesting the investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/2022, XXXX XXXX transferred money from a ROTH IRA  held at that institution to Ally Bank. The deposit was mistakenly put into a TRADITIONAL IRA which makes the amount subject to taxation while the Roth is tax free. I have communicated by phone and email with Ally on five different occasions regarding the steps to take to correct this. Despite asking for one representative to be assigned to handle this case, each rep that has communicated with me has said that Ally 's policy is to let random selection choose whoever you communicate with when you send an email or make a phone call to them ( which requires long periods on hold ). The most recent email from their rep on XX/XX/XXXX stated that even though I submitted all the forms previously requested, they now want a conversion and rollover form submitted to put the money into a Roth account. My tax planner stated that is exactly what NOT to do since that paperwork would trigger the fact that this money would be taxable and would lose its tax free status. This bank is extremely difficult to communicate with and obtain resolutions with issues. No one person seems to be assigned to handle an on-going problem and you end up with a roulette wheel where you spin it and see who you get and how that person 's answer may not be the same as the previous one you received.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/XXXX Opened new checking account with promo code XXXX which advertised a {$400.00} bonus after qualifying activities. 

XX/XX/XXXX, Deposited {$1500.00} into account XX/XX/XXXX Phoned US BANK, talked with XXXX, who confirmed all qualifying activities had been completed, and bonus should be arriving. 

XX/XX/XXXX Phoned US BANK to follow up as no bonus yet, talked with XXXX who again confirmed all qualifying activities had been completed and that I would be contacted in one to two business days. 

XX/XX/XXXX No contact from US BANK, no choice except to formally file a complaint.

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 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I paid partial payment of {$60.00}, through XXXX and the payment was from my online banking.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CA

Complaint narrative:
I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -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 2023-03-14 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: CA

Complaint narrative:
I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation