vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: GA

Complaint narrative:
Received a pre-paid credit card in the mail for which I did not apply for. Attempted to contact the company netspend.com via phone and was unable to reach a person. The organization phone service is automated and requires sensitive financial information including activating the card to proceed. Then emailed XXXX and received a phone message indicating communication must be scheduled and by phone only. I have never used a prepaid credit card in my life and my credit reports, etc. have been locked for an extended period of time. I have demanded written email communication only.. So far nothing. 

I then tested the organizations online application form to determine how the process for pre-paid cards works and determined that the online application form in non-functional. 

Therefore, it appears that the NetSpend organization generated the pre-paid card WITHOUT my authorization- I believe this to be fraud as defined under the " Truth in Lending Act '' ( 12 C.F.R. 226.12 ). I have all documentation mentioned.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Please remove the extended fraud alert from my credit file. 
My current address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Please ensure the only contact number on file is 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 2022-07-09 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:
It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization.

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are 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 2022-07-09 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
0n XX/XX/XXXX I purchased airfare in the amount of {$870.00} from XXXX XXXX. I paid my credit card bill in full and the airfare was on that bill. On XX/XX/XXXX, XXXX cancelled my flight. XXXX elected to only credit the outgoing flight which was {$320.00}, on XX/XX/XXXX. They told me they would " issue a credit '' and were not clear that it was only outgoing. I contacted XXXX multiple times asking how I was going to use a return flight when they didn't get me to my destination. Realizing XXXX will be a hassle, I went through the fraudulent purchase process with Barclays and they issued a credit of {$540.00} on XX/XX/XXXX, case # XXXX. ( The difference between {$870.00} and the partial credit XXXX provided. ) On XX/XX/XXXX, XXXX issued the remaining credit. Barclays hit my credit card with {$870.00} in charges ( confirmed in attached letter dated XX/XX/XXXX ) saying I had to return the credit they issued to me. ( Their credit was {$540.00} ) I've contacted Barclays 3 times. Every person I spoke to ( XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX @ XXXX XXXX  ) said I am owed a credit of {$320.00}. The 3 people listed above said they can not issue the credit the " back-office '' department or the " Higher department '' has to issue the credit. They said these departments do not have incoming telephones/telephone numbers and I must wait 1-5 days for them to call me. ( which is why I waited until XX/XX/XXXX and subsequently XX/XX/XXXX to call them back. ) XXXX said he would alert/ escalate and tell hem it is past the time frame. No one has returned my call. Yesterday, XXXX told me to wait another 1-5 days and I advised I would be taking my complaint to you if they did not return my call on XX/XX/XXXX, as I've already waited their 1-5 days, twice. They are looking for me to pay an additional {$320.00} they did not credit to me. Essentially, this is fraud and basic math that a credit card company should have properly automated. 
Every call is at least 30 minutes for the person to research, confirm I'm owed the credit and then tell me I have to wait 1-5 days for resolution, I've done the same thing to resolve this 3 times because they won't let me talk to the " back office/ higher office. ''

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 2022-07-09 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 XXXX XXXX has violated my rights. 

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

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

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 2022-07-09 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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought some money orders that I no longer needed. I mobile deposited them into my Citi checking account a week after I purchased them. Citi put my account on hold for XXXX business days to make sure the money orders cleared. I called back on the XXXX business day and they said they were closing my account and would not tell me why. They said that they funds from the money orders had cleared and posted to my account. I also called XXXX XXXX to track the money orders and all of them said they had been cashed in the days that I deposited them into my account. So I dont understand why my account is closed and I they wont give me access to my funds. I called a Citi bank branch and they said there was nothing they can do.

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 2022-07-09 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 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 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 2022-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation
State: PA

Complaint narrative:
I paid XXXX to Lincoln Technical Institute. To find out now that the charges are false. And were not accurate. I would like Lincoln technical institute to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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 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 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 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX, va branch of truist with the expectations of performing a wire transfer from my personal account to my business accounts. All accounts are with Truist. When I sat with the branch leader it was XXXX. During which time the branch leader, XXXX XXXX, suggested I do a regular transfer since all of the accounts are within truist. I took her suggestion against my better judgment and now they, the bank, have blocked my business account that got the bulk of my money. I asked to transfer XXXX, XXXX to one business account and XXXX to another truist account. The XXXX was sent and nothing is on hold as of XX/XX/XXXX. 

There seem to be some ignorance of the process and it took over an hour to get this done. They, XXXX, and another bank teller, finally got it done and told me it would be an issue if I requested an immediate availability instead of if I just waited which would be overnight. I never used any of the accounts u til I needed ro make a {$900.00} payment and my card was denied. Since I was back in ga I went to XXXX ga branch on XXXX XXXX XXXX and the initial teller told me my account was blocked. 

I then today, XX/XX/XXXX, saw that it was deposited as a check and not a cash transfer. My XXXX is tied up in limbo because of the branch manager, XXXX, and the " department '' who has the power to release Is holding my money hostage. None of them care. I couldn't make payroll and they had the nerve to charge me {$25.00} for a wire that was never a wire. Two days ago and I wasn't even in their establishment. I want my money back and this account closed immediately.

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 2022-07-09 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 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 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 2022-07-09 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:
In accordance with the Fair Credit Reporting act 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 2022-07-09 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 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 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 2022-07-09 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 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 2022-07-09 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: NY

Complaint narrative:
My student loans which were being serviced by XXXX XXXX have been transferred to XXXX ( as of early XX/XX/2022 ). As a result of this, my credit score ( as reported by Equifax ) is now indicating my student loan account as closed which has resulted in a significant decline in my credit score due to the decrease in the number of accounts. I am going to be applying for apartments soon and the decreased credit score could have negative impacts on my apartment search.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Somebody fraudulently obtained an auto loan in my name I reached out to the company instead of helping me theyre trying to collect on the loan!

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX* DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT ED/XXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX DPT EDXXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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, 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 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 2022-07-09 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: CA

Complaint narrative:
Using a making frequent payments to my account. Used it out of town and they restricted my account. Have been calling for 2 days and no one can tell me why just to wait for someone to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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 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 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 explanation
Consumer complaint received 2022-07-09 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, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXr # 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 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: VA

Complaint narrative:
I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXXXXXX Reference number XXXX - XXXX XXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX  but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable

Company response to consumer: Closed with explanation