vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I received an email from Affirm, the bank that I have deposited $ XXXX in. They apparently use XXXX XXXX Bank for this. 
The email stated that my new Savings account is locked and will be closed. It requested a copy of bank statement that has both the routing number and account number on it or submit them separately. I did this. My credit union does not have both these numbers on it. They waited 10 days and sent another email asking for another statement from a different bank. What if I dont have another bank? I do, but I did not feel comfortable giving this shady company info on another bank that also has $ XXXX in it. I sent them the statement anyway, then contacted that bank ( XXXX ) to prevent any withdrawals being made. I was told by XXXX that they have a $ XXXX limit on XXXX deposits. My Affirm account has {$250000.00} in it now, with interest. In 10 days I can expect another email from Affirms customer service department in XXXX XXXX explaining why they still cant close the account. 
MANY phone calls to the XXXX call center and XXXX XXXX bank have shown that they refuse to connect me with anyone with the authority to resolve this. I have spoken with XXXX XXXX at XXXX, and emailed XXXX, on XXXX XXXX and XXXX at XXXX - XXXX with no reply or action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
I have attached an account that was opened fraudulently in my name and I need it removed. I have created a report with the FTC and attached my drivers license and my social security card as identification.

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC
State: KS

Complaint narrative:
We applied for pre-approval from XXXX and the lender had said it would be a soft inquiry. This hard inquiry on XX/XX/2021 is unauthorized. The second inquiry on XX/XX/2021 is unknown and not authorized. Please assist. 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 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This is in reference of a letter claiming I OWE a debt from you all that i do not claim. Also, it was a threat made at the end of the letter that claimed if I do not respond to you all you will tarnish my credit report and report that unidentifiable .From my knowledge you are breaking multiple laws that will be enforced.We do not have any contract formed that you should be contacting me this is invasion of privacy because I do not know who you are and for you to say that I owe you anything being that you are a debt collector is another form of violation containing the FDCPA law .Every violation found is XXXX dollar violation please remove a ; l information yuou have associated with me 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 2022-01-10 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: GA

Complaint narrative:
I have attached an account that was opened fraudulently in my name and I need it removed. I have created a report with the FTC and attached my drivers license and my social security card as identification.

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 2022-01-10 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: GA

Complaint narrative:
I have attached an account that was opened fraudulently in my name and I need it removed. I have created a report with the FTC and attached my drivers license and my social security card as identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
Equifax, XXXX, and XXXX are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank, I've been customer and have my card for over 7 years, never missed XXXX payment. Making more money, they reduced my line of credit. Not happy with that, and it is a problem.

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, a fraudulent check was cashed on my checking account with SunTrust Bank. I called the Fraud Department at the bank. They froze the account and directed me to a local branch. I went to the branch office. They transferred the remaining money in my checking account to a new checking account. They indicated to me that the investigation could take up to 15 working days. 
Today is now XX/XX/XXXX, and the bank continues to tell me that their investigation is ongoing. They never call to give me an update on the investigation. I am being treated as the criminal here. 
The amount of the check was {$6500.00}.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX i got a XXXX XXXX  on my account but at that time i did not have a card i went to order a card but bank of america said they could not send me out a new card until my account was not in the negitive no moie. from XXXX thru anout end of XXXX i have not had a XXXX card when the negitive was finallyvpaid off i recieved the card in the mail and i was negitive XXXX then was made a complaint about that and they credit me back XXXX but on the same day they took the money back now they said it was a bank error so i never recieved the XXXX for XX/XX/XXXX and never revieved the XXXX they keep taking back im just getting the run around Card number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca 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 2022-01-10 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: FL

Complaint narrative:
I Have sent these collections to the Transunion and they are not deleting them and they are not mine. I have attached an FTC report to get them removed

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 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I made a credit card payment from my Capital One checking account to my Capital One NEW credit card. 
The funds for that payment were taken from my account on XX/XX/2022. 
To date, those funds have NOT BEEN applied to my credit card available balance. 
The card SHOWS I have a balance of {$140.00}, but my available balance is {$4.00} - as if no payment has been made. 
This is my first credit card and already not a good experience. When I checked to make my payment, my Capital ONE checking account information was ALREADY there as a payment option. 
When I called last week XX/XX/XXXX or XXXX, I was told since this is a new account, it will take longer for my payment to be applied and the available balance would reflect the payment made. I was also told my account would be updated by XX/XX/2022. 
Well, the available balance is still {$4.00} No updates, I am out of {$150.00} and Capital One is still not showing my available funds as available. 
I opened this account to increase my credit score. I use the card for XXXX XXXX back and forth to work. 
Except now I have to use my bank account. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : Exeter Finance - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX Case XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: KY

Complaint narrative:
I have reached out to all three credit bureaus multiple times, I have sent in police reports showing that i am a victim of identity theft. I have asked that these fraudulent accounts and inquiries be removed as they were not authorized or opened by me & they have yet to respond or remove the accounts and or inquiries. 


ACCOUNT : XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + INQUIRIES : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXXXXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: VA

Complaint narrative:
I have tried to contact Sofi bank for almost two weeks I havent been able to buy groceries or pay my rent soon I will be evicted even though its the banks fault I have called every department but the keep sending me to voicemail. Since XX/XX/2021 my account has been frozen .with no explanation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
XXXX, XXXX, and Transunion are furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under 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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Certified Credit Reporting, Inc.
State: KS

Complaint narrative:
We applied for pre-approval from XXXX and the lender had said it would be a soft inquiry. This hard inquiry on XX/XX/2021 is unauthorized. The second inquiry on XX/XX/2021 is unknown and not authorized. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
XXXX XXXX {$1500.00} disputed with transunion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Back in XXXX, I had a negative statement balance due to me overpaying. I requested to get a check mailed to me so I can get the negative balance refunded but I never received this. The amount I am talking about is {$130.00}. I contacted a rep since I haven't received it yet, and we got to the point where they would directly deposit the balance into my account. This deposit happened XX/XX/XXXX. Later on, I saw I had a balance of {$130.00} on my AMEX card. Apparently AMEX thought I got the negative balance refunded twice ( once by mail-in check and once by direct deposit ) when I only got XXXX deposit in my bank account - the mail-in check never arrived and I have not deposited this amount by check at all. They claimed the {$130.00} account balance that got put on my account was from two refunds so this is incorrect. I had to pay {$130.00} on the account otherwise my credit would be affected. I am still negative balance of {$130.00} since my account has the direct deposit of {$130.00}, but then a debit of {$130.00}. I have talked to numerous individuals at AMEX but no one seems to understand that I still have not received my overpayment back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 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:
Experian is furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under 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 explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am XXXX XXXX and I am upset to inform that Citibank decreased my credit limit without my consent on a credit card I actively use. Due to this my credit score has taken a hit on the balance.

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 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Debt was paid still reporting derogatory to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a collection call on my private cell phone number from US Bank. I never applied from credit with US Bank. The aggressive collector explained that I had an outstanding balance and was over 30 days late. I asked to be transferred to the Fraud unit. I pulled my credit and discovered a new UNAUTHORIZED account in my name. it was open XX/XX/XXXX with a high credit limit of XXXX an outstanding balance of XXXX it appears that the person used an address of XXXX XXXX XXXX XXXX. lot XXXX XXXX AZ XXXX credit pulled XX/XX/XXXX. 
I explained the situation to a XXXX ( XX/XX/XXXX XXXX ). Fraud team. I was treated poorly. I asked for a copy of the fraudulent application used. She said She didn't think they could share. I was informed it would take over 30 days for an investigator to verify that i did not owe this money. I explained i was in the market to purchase a property and the negative credit was impacting that acquisition. She did not care. I explained that I was gong to file a complaint with CFPB she said she never heard of your organization. PLEASE HELP ME>,

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 2022-01-10 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: FL

Complaint narrative:
I have sent this multiple times to Equifax with no results, These collections are not mine and I have an attached and FTC report to get them taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MO

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MO

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief