vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Dispute for account ending in XXXX : Fraud Claim Denial Transactions : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} Total Fraud Scam Amount {$3000.00} Prior to the holidays for XXXX I attempted to make a purchase online from XXXX XXXX Unfortunately, I was somehow redirected to a fraudulent 'look alike ' website. Upon checkout my transactions was declined. I was advised to call a support number for assistance. The number offered was XXXX. I called the number and was greeted by an individual claiming to be with XXXX. The individual asked for my debit card information again in an attempt to reprocess the transaction. Again the charge was denied. I was instructed to use my debit card for gift cards and they would convert it back to cash to compete my purchase. They suggested due to the large dollar amount it may be the reason for the difficulty. I complied and later learned that I was a victim of a common and elaborate scam. I immediately contacted WSFS to report the fraud. The woman that I spoke to said this happens all the time and can't count the number of customers that come into the bank to report similar scams. We proceeded with the Fraud claim and I awaited the banks response. On XX/XX/XXXX I received a written response from WSFS that my fraud claim was being denied. It also states that I am permitted a copy of the investigation that led to the fraud claim denial. I requested a copy and after the required 30 days, WSFS failed to respond to my request. WSFS did not adequately protect me as a consumer, they suggested if I had " more money '' with them that my claim would more than likely been accepted and my funds reinstated. I was not adequately protected, WSFS failed to provide basic fraud security, WSFS failed to perform an adequate investigation, WSFS failed to attempt to recover funds, WSFS failed to provide written supporting information relied upon in making its determination to deny my fraud claim. If WSFS was aware of these fraud scams, why did they fail to protect me or educate me on the risk associated with they elaborate fraud rings. I recently called the ticketmaster toll free number above XXXX and the redirected website of XXXX  is still operating. If this was a fraudulent site, why has WSFS failed to report to law enforcement or take any action to protect other consumers. WSFS is taking advantage of my due to my low income and low financial savvy education surrounding these fraud scams, they denied my claim and expected me to go away. My fraud rights protect me and should leave WSFS liable for failing to protect me. I expect my hard earned income to be returned. 

A complaint will be filed with the PA Attorney Generals Office and ACLU

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I paid off a car loan of {$3700.00} acct XXXX that my deceased mother XXXX XXXX XXXX had with Huntington Bank. I was told that they would have it electorically released and I would be able to get title and tags after 5 business days. I went to the DMV and they told me that it was not released and that I should go to get a letter from Huntington. I went back to Huntington and spoke to a banker who informed me that she couldn't help me and that it could be 4 week or longer before this could be resolved. I explained that we use this car for work transportation and I needed to get tags which expired on XX/XX/XXXX. I insisted that she contact someone and she did. She ended the phone call and explained the same thing. There was no resolve. Huntington cashed the check took the amount the debt was paid in full and unlike other institution that I have experienced is not willing to release the assest in a timely manner. I did experience this with them and a release on a property at our church that they did not release a lien for serveral years and we did not know until we changed the property in XXXX. This appears to be a business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXXXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AZ

Complaint narrative:
There are still multiple inquiries noted on my credit report that I have not authorized. As I stated before I have been sending letters over one year. I appreciate the corrections for names and addresses but there are still several issues that I would like to have addressed. According to 15 US Code 5 1682b and 15 US code C 1682 sect 604A you are violating my rights to privacy and furnishing my information without authorization. I am respectfully asking for a thorough review of these inquiries. Thank you

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: OH

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

XXXX XXXX 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 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern I am writing to inform you that I recently attempted to contact XXXX XXXX XXXX which is listed on my credit report under # XXXX at the address provided. Unfortunately, the letter I sent via USPS CMRRR was returned to me undeliverable with the reason being that the company 's forwarding address had expired, and it is not located at the address mentioned on my credit report. Please find enclosed a copy of the envelope for your review. 
As a responsible credit reporting agency, you are required under 15 U.S.C. 1681i of the ( FCRA ), and other applicable laws, to ensure that you report only accurate information. However, I have reason to believe that inaccurate information has been repeatedly reported in response to my credit report requests, as well as when lenders view my report. This violation of federal law has caused me considerable damage in terms of my reputation among lenders and the terms of loans I receive. 
To amicably resolve this matter, I request that within five days of receiving this letter, you delete the negative trade line associated with this complaint from my file, as prescribed by the FCRA. Failure to comply with this demand will leave me no choice but to seek legal assistance, including filing grievances with the Attorney General and the Federal Trade Commission. 
Please find enclosed copies of my identifying information to prove my identity. I trust that you will expedite the conclusion of this matter and provide a satisfactory resolution. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 U.S.C 1681. 

1. XXXX XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX XXXX XXXX : # XXXX 4. XXXX XXXX XXXX  : # XXXX 5. 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 reparation 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 containin any of the following items of information. Any other adversed 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 the person knows or has reasonable cause to believe that the information is accurate.

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 2023-02-22 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: FL

Complaint narrative:
In accordahce with the Fair Credit Reporting act XXXX XXXXXXXX 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 In accordahce with the Fair Credit Reporting act 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 In accordahce 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 In accordahce 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce with the Fair Credit Reporting act 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 In accordahce 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 In accordahce with the Fair Credit Reporting act XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have been trying to redeem my credit card rewards for over two weeks now. I am trying to redeem for an XXXX gift card. However, the website will not let me do so. I have spoken to multiple individuals about this issue both at Comenity Bank and at XXXX. No one at Comenity Bank has been able to assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TN

Complaint narrative:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete 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 2023-02-21 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: TN

Complaint narrative:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete 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 2023-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Late XXXX I was sent two 1099-INT forms in the mail by CITIBANK. XXXX 1099-INXXXX was valid for the savings account I have with them. The other 1099-INT was for an account I did not have. I called CITIBANK banking customer service line on XXXX  and spoke with 4 associates and one manager about this issue. I was informed that the account number listed on the extra 1099-INT form was not a valid account number. They also informed me that the interest earned amount of {$390.00} was not an amount on my actual savings account. They finally informed me that the description of " bank promotions '' was not something they recognized. They had no record on file of this 1099-INT form being created or mailed out- yet it was sent to the IRS with my social security and name associated with it. I explained that if the form was generated then it must exist somewhere. I was given a case number and told that this would be investigated by the " back office '' and I would have a resolution in a week. Today on XXXX I called the customer service line again to inquire on the status of this. The first time I was hung up on and the second time ( after threatening to file a complain here ) was left on an indefinite hold of 15+ minutes with no response. I am reluctant to file my taxes because I don't want to claim interest on money that I did not receive from CITIBANK and I also don't want the IRS auditing me for not reporting it. There has been no attempts from CITIBANK to help, explain or rectify this situation. I have asked to speak to managers, supervisors, or anyone in their tax department who might be able to help. I am denied and given the run around. This is not only an ethical violation, but bank fraud to claim they paid me interest on an account that doesn't exist 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