vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I got notified by a credit protection program with XXXX that a new inquiry had been requested about my credit at Bank of America. When I spoke to them, they assured me that they took care of the issue and went through the Proper channels to deny the new account. Weeks later I receive a credit card I did not apply for in the mail from Bank of America. When I called Bank of America To dispute the card I later find out that they allowed three more accounts to be fraudulently opened in my name. When the initial incident occurred I put a freeze on all of my credit but evidently the new accounts were opened long after I put the freeze on my credit. How these accounts were issued after there being a fraud alert and notations on those false accounts with my name, I have no clue. This is deeply concerning. To know I took all of the necessary precautions to avoid this from happening again Bank of America still was able to issue cards fraudulently to individuals attempting to steal my identity. This is very unsettling and makes me question the practices of Bank of America. To this day I still have to check in with Bank of America and other reporting agencies to ensure my identity is protected. This has been a nightmare. Just to note Ive never opened an account with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus EXPERIAN, XXXX, XXXX credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I connected with a person on XXXX and agreed on paying for seats for 3 round-trips on a bus for a 3-day event in XXXX XXXX. I paid half as a deposit and then the remaining half on the first day of the event. Despite paying for SEATS, the bus overbooked and my wife had to sit on someone's lap for the long trip both on the trip there and on the trip back. Others had to lay on the floor and on eachother. It was super dangerous in the case of a crash not to mention very uncomfortable. My wife asked for a refund and used XXXX 's services instead on day 2 and 3. The bus service refused to refund, claiming a no-refund policy which was never mentioned in any of their material on XXXX. It was mentioned in their website but my wife found them on XXXX, talked to them on XXXX, received the invoice and paid it before we even learned of their website. At no point did we agree to those terms. 

I disputed the payment and Apple card decided in my favor for the deposit of {$270.00}, but not for the other half ( an additional {$270.00} ). I don't understand that. Either you agree that the service was not rendered, or you don't. How is it half in my favor and half against? 

Even more frustrating, this process has been ongoing for nearly 4 months now with essentially zero communication other than to tell me my dispute was not resolved in my favor. I went online only to find that they were even under investigation for this exact behavior. After trying to file a complaint with consumer finance, my complaint got closed with a message that says that my earlier complaints were processed. What earlier complaints? This was my first ever complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I separated from my spouse ( primary person on said loan ) in XX/XX/2017. My ex retained all monies from our business we owned together, therefore the judge had court ordered her to pay for both house payments and all vehicles we owned together. This document was put into force in XXXX and did not end until XXXX XXXX. At which time I was out in control of paying the loan off. Line item # 25 of the new document specifies exactly which vehicle I was out in control of paying for. My ex ( primary on acct ) didnt pay the last two months of the loan and when I had the vehicle, I sold it. The reports on late payments should be only on the primary person since it was court ordered that it was not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
In accordance 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 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX service account # XXXX and XXXX XXXX XXXXXXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX XXXX {$3000.00} was taken out of account, this man was able to send himself money off my my wallet on my phone and I did not authorize him to do so and when I spoke to my bank they said I let him. When I noticed the money was gone I called the police and got an investigation report but the police never got back in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized Inquiries on TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-11 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: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, XXXX, TransUnion credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, EQUIFAX, XXXX credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I set up web based automatic payments to pay my STATEMENT balance each month. My XXXX payment was scheduled to be {$1200.00}, the bank only applied {$1100.00}, the {$36.00} was a refund during the following statement period and should of been applied to the next statement balance, like every other bank does. 

I opened a ticket with them XXXX but they never responded or resolved my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
A Truist Bank checking account was opened under my name using my information without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a letter the morning of XX/XX/22 from TD Bank stating TD beyond checking with visa card access account would be changing the limits on the account. To my knowledge I have never had a TD bank account or debit card with TD Bank. The letter does show a zero dollar beginning and ending balance. 
I called TD Bank at number ( XXXX ) XXXX and spoke to their fraud department and they said they would take care of the account. They also suggested I create a report on XXXX website reporting the possible fruad I am worried someone opened this account in my name with out my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
When you log into your account there is a " virtual card '' feature to get a virtual card number to use in certain situations where you might not want to give your actual physical card number due to fraud concerns. The only way to access this virtual card is through a phone number which if Iam not home I cant get access to the virtual card. 

There use to be an option to have the security code e-mailed to you, I need that feature back or I am being discriminated against for not having a cell phone. I can not use this feature unless I am home. 

I opened a ticket XXXX but they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports XXXX, EXPERIAN, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
Unauthorized Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on Equifax XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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 2022-08-11 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: TX

Complaint narrative:
In accordance 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 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit reports XXXX as well as TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX  on my credit reports EQUIFAX as well as XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
This company has called me my niece mom sister and daughter They say this in the voice mail Hello ______ number XXXX with XXXX XXXX XXXX my office is patient to the property address on record this is regarding a pending complaint and background investigation ordered against XXXX XXXX if no contact is established today or field agent will be dispatched to the property address in place of employment on record it's very important XXXX contacts issuing firm today at area code XXXX and reference the When I called they cant give me much information other than it was a debt from XXXX  that I am being sued for and that I need to pay them XXXX by the end of the month I asked them to stop calling while I investigated but they are still calling my family The number that calls is different every time

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