vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: IL

Complaint narrative:
I am a victim of identity theft. I will be making a police report and uploading all evidence.

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 2022-11-20 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: TX

Complaint narrative:
XXXX is reporting 60 days late. This is not true My account is placed on a hardship program

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 2022-11-20 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: IL

Complaint narrative:
I have complained several times and they said the needed this info

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 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2022, my son and I opened multiple bank accounts at the Huntington Bank XXXX XXXX XXXX XXXX in XXXX, OH with XXXX XXXX. Both of us had a coupon for a bonus to open the accounts. My coupon was for {$200.00} and my son 's coupon bonus was for {$150.00}. XXXX XXXX said that we both would receive the bonuses, even if I open the account with my son. I received my bonus in XX/XX/2022. However, my son never received his bonus despite XXXX XXXX stating that he would receive it. The last time that I spoke to the Branch XXXX XXXX XXXX in XXXX or XX/XX/2022, she stated that her supervisor said that he would not rectify the issue. When I reminded her that XXXX stated that we each would receive the respective bonus and that if he had not stated that, then I would have had a grandparent open my son 's account with him instead of me, she said that she would talk to her supervisor again and then get back to me. As of today, XX/XX/2022, I have not heard back from XXXX XXXX or her supervisor. Please process my complaint and ensure that my son get his bonus, as promised by Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 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 want all information removed that is not accurate to my current address.as it is fraudulent.

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 2022-11-20 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 contacted Experian on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, after logging into the Experian website, I noticed that Experian had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report. I tried to contact the company about it, the fraud department lady on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. I also went to the Experian website and saw the items were removed from my report XX/XX/2022 but were reinserted on XX/XX/2022 even though Experian never gave me written notice that the items were reinserted or why. I filed a separate complaint on XX/XX/2022 regarding unauthorized inquiries and Experian came back on XX/XX/XXXX stating they had verified all inquiries even though no proof of verification was provided to me. This is unacceptable. I have received no documentation from either Experian or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.

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 2022-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I pulled a copy of my credit report and noticed Calvary portfolio reporting derogatory information on my credit report. I wrote to them asking them to verify and validate the debt and they respond by sending me XXXX XXXX statement. This is the age of technology and anybody can create a statement. Calvary Portfolio did not send me what I asked for to properly validate the debt which is XXXX a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 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: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions

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 2022-11-20 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: IL

Complaint narrative:
I am a victim of identity theft. I will be making a police report and uploading all evidence.

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 2022-11-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have 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 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 2022-11-20 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: PA

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 U.S.C 1681 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 reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 responded saying they cant find my information or a 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 2022-11-20 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: IL

Complaint narrative:
I went to apply for credit cards and seen new inquiries, 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 2022-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have been trying to close this credit card account for 2 years. 

In XXXX I opened a Best Buy credit card account for an XXXX computer. I paid it off completely and closed the account out in XXXX. The account was completely closed in XXXX. Surprisingly, In XXXX I was charged an annual fee for the credit card account. I called Citibank in XXXX and told them that I had closed the account the previous year, so they waived the annual fee and late fees and told me that I would not have this problem again. 

Now in XXXX, they are trying to charge me an annual fee AND late fees AGAIN for a card that I closed completely 2 years ago, in XXXX. Every single time I try to call Citibank to see what's going on, I get somebody on the line that doesn't speak XXXX clearly and I can not understand. I am consistently transferred to somebody new that I have to explain the entire problem to from the beginning again. I've spent several hours on the phone being transferred around, several times, only to repeat myself over and over. Every time I ask anybody for their extension number or company ID, they either hang up on me or try to tell me that there is no such thing as an extension number or company ID at Citibank. 

I figured out I could have my call transferred to somebody " stateside '' in the USA, that's when I connected with XXXX ( Company ID # : XXXX ) She was the first person to be able to actually help me. She told me there must be a glitch in the system that keeps charging me an annual fee even though my account is closed. She transferred me to somebody that spoke clearly and was able to waive ALL of my account fees. 

Now only one month later, they are charging me an annual fee, and several more late fees. All I want to do is close the account completely and be left alone. This has lowered my credit score and caused me hours of headache. Please help me get this credit card closed completely because I can not deal with Citibank anymore.

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 2022-11-20 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:
I contacted Transunion on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, I noticed that Transunion had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report, and claimed they were verified a couple hours later. I tried to contact the company about it, the fraud department gentleman on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. This is unacceptable. I have received no documentation from either Transunion or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under thXXXX XXXX XXXX XXXX Act.

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 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a representative payee for an adult with a XXXX. He had an account for years with Suntrust and the bank merged into Truist. They agreed to not charge him a maintenance fee since he was a long time member on his Social Security checks. Then they started charging him a fee so I asked to have his account closed XX/XX/2022, wrote a check so his account was XXXX to his new bank and the account was to be closed on the day the bank account reached XXXX and wrote a letter to insure it was closed on XX/XX/XXXX. They did not close his account and accepted his social security check again on XX/XX/XXXX ( and charged him his maintence fee ) It takes a while for SS to change addresses to his new bank address although I have also called them twice and changed it on line... ( He gets XXXX a month and the maintenance fee is XXXX ). So I called back and had it closed again with a complaint filed that requested it close on XX/XX/XXXX. It still was not closed so I called back on the XXXX of XXXX and had the XXXX returned to his account as they realized the account was to be closed and they were told to close it XXXX XXXX when his account was again at XXXX but they accepted his Social Security check again!!! on XX/XX/XXXX and charged hinm on XXXX. I need his XXXX refunded along with the XXXX social security check of XXXX to the account address on file ( my address ) and verification that the account is at XXXX and closed. They are shameless to keep this account open until he will eventually be charged overdraft fees for his account that should have been closed. I do not live near a Truist so I have to rely on phone messages.

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 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I took my children XXXX shopping at XXXX XXXX. After we got back home, my son XXXX XXXX, XXXX asked me to see of I could log in his bank account because he had received a notification that his account was locked due to suspicious activity. When I logged in my account, I saw that his checking had a deposit for {$900.00} and a withdrawal for {$500.00}, both on XX/XX/XXXX. Also, I noted that those transactions were at a Chase ATM in XXXX. I called the XXXX number for Chase Bank immediately, and I told my son to call, too. I told the representative that those XXXX transactions were fraudulent and that I was removing my son 's money from his checking and savings accounts. My son also stated that he did not have his debit card, and I relayed that information to Chase Bank. I told Chase that I believed the fraudulent activity was committed by someone at Chase Bank and I told them to pull the cameras. On XX/XX/XXXX, Chase reversed the deposit, leaving negative {$400.00} balance on the checking account. I called Chase Bank again and said that the bank needs to reverse that fraudulent withdrawal ; I told my son to call again, as well. After, this time and some time in XXXX, my son had to call once again, at which time Chase Bank reverse the fraudulent ATM withdrawal. Whenever I called Chase Bank, I requested to speak to management or a representative would say that I would get a call back. But, I did not receive a call back. I let the issue go because Chase Bank reversed the fraudulent charge and closed his accounts. However, on XX/XX/XXXX, my son and I received a letter dated XX/XX/XXXX. It stated that the past due balance of {$500.00} was due. I called the bank and said there is no past due balance. I also reiterated that I had requested several times for the bank to pull the cameras on that ATM. The branch XXXX XXXX XXXX said that she would escalate the complaint. I told her that I was still going to have the police meet me at her branch ( Chase XXXX ) on XX/XX/XXXX. However, when I called on XX/XX/XXXX, a representative told me that XXXX XXXX was not in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NY

Complaint narrative:
I have opened this account specifically for XXXX shopping, my mistake was thinking the money was in the account and there was XXXX so I went shopping on XXXX then the bank did not send payments for product that cash app says I paid for. Those transactions fell off and were never paid to XXXX and I have spoken to XXXX about this situation and they said your bank did not send payment so no product. Now as I have said I have made XXXX in deposits and I spent XXXX this is what everything adds up to now. On the feed I went by each transaction added then went by each transaction and subtracted what was spent and the numbers above are what I came up with. this is not rocket science but they have clearly stolen money and you have clearly done nothing either I am sending new updated feed could you please add and subtract as I did. All the plus signs are deposits round ups and what was spent you can clearly see.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: PA

Complaint narrative:
Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 2022-11-20 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: NC

Complaint narrative:
Unable to withdraw funds from PayPal account after fulfilling account restrictions for a second time and keep getting the run around on getting the remaining funds out of our repairafter account. This happened several months ago we fulfilled the restrictions they refused to release funds then and took calling them 3 times to get it released and now it is happening again with much smaller amount. Now we keep getting put on hold for so long they either hang up or we dial back and it keeps happening. They are refusing to give us access to our funds after fulfilling their limitations over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have 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 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