vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
For reference : Ive never made a late payment. Always pay my balance in full. Have had this credit card for a year. Am on auto draft. 

I made a payment on XX/XX/XXXX for {$11000.00} which was taken out of my bank account immediately. I called Citibank in the 3rd and they said it needed 2 business days to clear ( after calling XXXXXXXX XXXX  on a 3 way call and XXXX told Citibank that the funds were available but taken out by Citi on the XXXX ). I called Citi today, XX/XX/XXXX, and they said the funds are on a hold until XX/XX/XXXX. 

During this time I have a {$0.00} credit limit and all of my bills are tied to this credit card and being declined. I plan to cancel the card once I get am assured that I get my funds applied. The way I see it I am loaning this company almost $ XXXX for 13 days and not by choice. 

Citibank has also declined to increase my credit balance even though I have impeccable credit and payment history with 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased air ticket to my sister XXXX XXXX airline via PayPal pay later option. Details are following PayPal Loan Agreement date XXXX Loan Account No : XXXX ( Attached your reference ) XXXX XXXX Travel Voucher XXXX Ticket no : XXXX Passenger Name : XXXX XXXX XXXX, XXXX Passport No : XXXX She didnt used XXXX XXXX air ticket and I purchased XXXX XXXX air ticket via PayPal pay later option. 
Details are following : PayPal Loan Agreement XXXX Loan Account No : XXXX ( Attached your reference ) I am keep contacting both parties PayPal and XXXX XXXX requesting my refund I am not get any faire resolutions XX/XX/2023 I called PayPal customer service XXXX ( PCT ) and customer service agent XXXX treated me very unprofessional and I asked her to transfer to manager and XXXX XXXX ( Payment and Dispute XXXX ) also not helping at all. 
I called XXXX XXXX and they asking me to provide PayPal Letter head indicate saying that PayPal didnt issue any refund or charge back. 
Please help me to get refund as soon as possible. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not been able to build my credit for the past 14 years because my social has been wrong by one number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: MO

Complaint narrative:
Oliphant posted a collection for acct XXXX XXXXXXXX without sending me the legally required notice as per the fair debt collection act. I filed a XXXX complaint and Oliphant 's response was to contact them. When I contacted them, they were unable to validate the debt. I called the original credit XXXX XXXXXXXX XXXX myself and I was advised that company was acquired by XXXX and they had no record of me buying anything from then. Despite this, Oliphant said if I paid the debt, they would DELETE the collection account. On a recorded line, they verbalized these terms DELETION of the collection account and these were the payment terms I agreed to those terms. Several weeks later, Oliphant simply updated the collection as a PAID collection owing a {$0.00} balance. I called Oliphant and spoke with a manager named XXXX and I told her these were not the payment terms I agreed to and to check the recording. XXXX advised that the collection would be deleted eventually, but that I had to wait until the end of XXXX for processing. It is now XX/XX/XXXX. The collection has not been deleted as per my agreement. Oliphant is in breach of their agreement. I have contacted Oliphant several times. My number must be on alert with them because the line either automatically disconnects or I am just left on hold. On Friday XX/XX/XXXX I was told XXXX would be calling me back, but she never called me back. Again, Oliphant is in breach of their payment agreement to DELETE/REMOVE the collection that they could never properly validate in the first place. I request IMMEDIATE deletion of the collection or Oliphant can review my recorded call and refund me my payment as they are in BREACH of the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist bank does not allow loan deferment. They require an approval of unemployment benefits or the return to work date. This means myself, who has been unjustly fired from my job and am trying to fight that, has no options but to default on my car loan. Thus putting me and all their future customers needing this support into further financial crisis. This is obviously predatory. The Truist agent actually told me to " borrow the money from someone ''. Wow.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX I was speaking with my wife XXXX on the phone when we both received a text message from XXXX stating " XXXX : Wells Fargo Bank A Decline for {$320.00} At XXXX, TX, If Valid Reply YES, If Not No To Opt Out, STOP. '' I then received XXXX back to back phone calls from XXXX. Thinking this could be a legit fraud alert I got off the phone with XXXX to answer. I was told there was a attempt to use our Wells Fargo business card both at the XXXX listed above as well as at a gas station in XXXX. I told them that we did not initiate these transactions. 
They proceeded to tell me they would go forth cancelling the card and send for a new one, the whole time reassuring that we were on a recorded line. They proceeded to state the card number including address and security code. They had all the information to the credit card as well as our home address. I did not give them any information. They proceeded to confirm type of shipment method and reassured that they didn't need any personal information and that Wells Fargo would not ask for this. They needed to confirm the cancellation of the card by sending me a confirmation text with a code that I was to give them. I questioned this but was told this was normal and part of the process so I obliged. A few days later I checked the Wells Fargo account and saw that XXXX separate {$1000.00} money transfer transactions had been processed " Current Account Funding XXXX XXXX  NY ''. I have since reported this to Wells Fargo in addition to filing this police report. This was all part of Wells Fargo business checking account. Business account holder name XXXX XXXX XXXX. 
XXXX to XX/XX/2023. Another call was made to Wells Fargo after we were told in XX/XX/2023 that the claim was re-opened. After multiple calls and long wait times we were told that the claim had never been re-opened. The bank also sent us a code and asked us to read it back to verify we were the correct person. This is the exact method the fraud criminals used.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please review the enclosed documents. I urge the bureau to begin an inquiry into these accounts, as I have never been overdue on payments, despite them being reported as such.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I submitted a transfer of XXXX Capital One points from my Venture X account to XXXX XXXX XXXX XXXX XXXX  program on XX/XX/2023. Point transfers are typically instantaneous. However, the points did not arrive into my XXXX XXXX account ( XXXX ). 

XXXX XXXX claims they have no record of a transfer from Capital One. 

When I phoned to inquire, Capital One claims that the points were transferred as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : XXXX XXXX XXXX Dept of Human CervicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : 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 explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-12-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I have a company that I started and have been scammed by employees at the company who have created and utilized the contention information for their own gains in my name. The company name is XXXX XXXX XXXX and I started the company in XXXX. I have articles of incorporation and registration in states. When I contact the agency that seems to mirror my company this agency website doesn't have any discern regarding value and my effort at the start of the company. Monies have been sent and ROI due. Please contact the agency that seems to be using my own simbiance without my interest.

Company response to consumer: Closed with explanation