vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: GA

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

-XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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 2023-04-10 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: GA

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

-XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has XXXX my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank recently had to change the class of stock I hold in XXXX XXXX which did not require the mailing in or out of any stock certificates. This is not something I requested as it was done by the company. Because of this Citibank charged a fee for every share of stock held to electronically convert the class. I have XXXX shares and I believe Citibank charged {$0.00} per share to basically open my account, select all shares and change from one class to a different class. The total fee came out to around {$500.00} dollars. I can understand charging a nominal fee but there was no additional work done if I had XXXX shares or 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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/2023 my account was close with Chime without any reason, funds are being held. I have asked multiple time why its was closed, I was told there wasnt a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of. My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account

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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day I previously wrote a complaint of equifax with the creditor XXXX XXXX requesting for the information to be removed from my credit. After reaching out to you they just updated my account as charge off,, transfer sold paid, for five yeas the account was and still under XXXX I sent in the police report to you alerting you of the Freud on the account and that XXXX XXXX was the second creditor and now I have a third party requsting that I contact them to make a payment for them now that the dept is to far long gone to sue I am requesting that you reach out to equifax to removethe dept under Freud of my account and they also drop my credit XXXX points for this I will also send the information that I have. And I never received a credit card from this company it was an installment loan so it shouldn't be say credit card cause I never had a card from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt Automated Collections continues to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC.
State: AZ

Complaint narrative:
XXXX SENT ME AN ACCOUNT REFUND CHECK. 

I DEPOSITED THE CHECK ELECTRONICALLY WITH FROST BANK ON XX/XX/XXXX, AND IT SHOWED UP AS A DEPOSIT IN MY CHECKING ACCOUNT ON THAT DATE. 

ON XX/XX/XXXX, FROST " RETURNED '' THE CHECK ( DEBITING MY CHECKING ACCOUNT ) WITH NO REASON GIVEN. 

I SPOKE WITH FROST AND ASKED WHY AND THEY STATED THAT THE PICTURE OF MY CHECK WAS UNREADABLE IN THEIR SYSTEM AND SO THEY CANCELLED THE DEPOSIT AND DEBITED MY ACCOUNT FOR THE SAME AMOUNT ( {$1400.00}, XXXX ). 
NORMALLY WITH THE FROST SYSTEM, IF A CHECK PICTURE IS UNREADABLE, THEY GIVE YOU THAT NOTICE AT THE SAME TIME AND ADVISE YOU TO REDEPOSIT THE SAME CHECK AND WRITE " REDEPOSIT '' ON THE BACK OF THE CHECK AND TRY AGAIN, AND, SO I COMPLIED AND DID WHAT THEY ASKED ME TO DO, TWICE, IN CASE THEIR SYSTEM SCREWED UP AGAIN BUT BOTH ATTEMPTS SHOWED UP IN MY ACCOUNT AS " DUPLICATES '' AND SO BOTH " REDEPOSIT '' ATTEMPTS FAILED. 
I SPOKE WITH A FROST ADVISOR, XXXX, WHO ADVISED ME THAT I HAD TO SEND THE CHECK SNAIL-MAIL TO FROST 'S XXXX BANK-BY-MAIL DEPARTMENT '' IN XXXX XXXX, TEXAS WHICH I DID ON XX/XX/XXXX, BUT, BEING IN XXXX DURING XXXX, IT WOULD NOT GO OUT UNTIL XX/XX/XXXX. 
ON XX/XX/XXXX, I CALLED XXXX TO TRY AND GET THE CHECK CANCELLED AND HAVE A NEW CHECK REISSUED, BUT THEY STATED THAT MY ACCOUNT WAS CLOSED AND THEY COULD NOT DO THAT. BUT THEY DID SAY THAT THE CHECK HAD BEEN PROCESSED ON THEIR END ANYWAY. 
I RECONTACTED FROST AND THEY STATED THAT THEY HAD RETURNED THE CHECK AMOUNT TO XXXX AND NOTHING FURTHER COULD BE DONE. 
SO I AM CONTACTING YOU IN CASE SOMEONE WITH AN OPERATING MIND CAN FIX THESE CODING PROBLEMS AT FROST AND XXXX. BOTH FROST AND XXXX HAVE SO THAT THEIR SYSTEMS CAN NOT HANDLE A SLIGHTLY MORE COMPLICATED, SINGLE OPERATION. 
FROST APP DID READ AND DEPOSIT THE CHECK INITIALLY, BUT SOMEHOW FOUND SOME ERROR LATER INSTEAD OF THEN AND THERE, SO THAT THEY " RETURNED '' THE CHECK AND DEBITED MY CHECKING ACCOUNT. 

WELCOME TO THE 21st CENTURY WHERE THE BANKING SYSTEMS ( BOTH ) CAN NOT EVEN SIMPLY DEPOSIT A SINGLE CHECK. 


HELP!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: MD

Complaint narrative:
This is the 3rd CFPB complaint filed. The previous 2 complaints resulted with Equifax agreeing to remove the fraudulent, unauthorized hard inquiry but the inquiry is still there as of XX/XX/XXXX. Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX received on my credit report on XX/XX/XXXX. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from XXXX XXXX XXXX XXXX  XXXX acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that acknowledged the inquiry was fraudulent but still has not removed the fraudulent inquiry from my credit report. I have been submitting disputes every day on the Equifax website for this hard inquiry ever since it was reported on XX/XX/XXXX, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXXsent {$370.00} payment to wrong person on cashapp. contacted support while transaction was in pending status to request to cancel after attempting 4 times nothing was done reps kept ending chat would not address request at all then once transaction completed was not showing in transaction history and support refused to cancel nor provide support and refund request show pending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: RI

Complaint narrative:
I sent XXXX XXXX a letter on XX/XX/ asking them to provide me a copy of the 1099-C that was issued by their company when they charged this alleged debt off with the IRS which is required by law for all debts over {$600.00}. They NEVER responded to me. They are violating my rights as a consumer under FCRA 15 USC 1681B ( a ) ( 2 ). XXXX XXXX did not have my permissible purpose nor written instruction to furnish this alleged debt on my consumer report nor did I give permissible purpose or written instruction to XXXX, XXXX, and Transunion to publish this alleged debt. These companies have violated my rights as a consumer.

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 2023-04-10 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: RI

Complaint narrative:
I sent XXXXXXXX XXXX a letter on XX/XX/2023 asking them to provide me a copy of the 1099-C that was issued by their company when they charged this alleged debt off with the IRS which is required by law for all debts over {$600.00}. They NEVER responded to me. They are violating my rights as a consumer under FCRA 15 USC 1681B ( a ) ( 2 ). XXXX XXXX did not have my permissible purpose nor written instruction to furnish this alleged debt on my consumer report nor did I give permissible purpose or written instruction to Equifax, XXXX, and XXXX to publish this alleged debt. These companies have violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX XXXX  on XXXX and XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  on XXXX and XXXX  XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX .am a vitem of identity theft please delete these inquiries 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/2023 an account with XXXX appeared on my credit report with Experian showing a balance from XX/XX/2023. This account was paid off the same month it was reported however there has been no update to the information. Reached out to Experian on 3 separate occasions providing supporting documentation of the balance reflecting {$0.00} and the dates the account was paid off. Experian keeps reporting there is no change in the account as the merchant stated the information is current which is incorrect. The documentation provided shows the account was paid off and the account has not been updated in two months.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2002, a payment was made in error to XXXX XXXX  that should have been made to Comenity Bank. XXXX had recently sold my credit card account to Comenity. Comenity uses Bread Financial to process electronic transactions. XXXX XXXX XXXX XXXX 's mobile bill pay the funds left my checking account and was received by XXXX. I reached out to XXXX who advised such a transaction would be forwarded to the trailing institution. Nobody knows where the funds have gone. XXXX & XXXX has provided proof that the funds left my checking account, XXXX claims to have provided proof Bread financial last had it. Comenity claims to never have received it. It appears Bread Financial lost the funds. This has been investigated by the above companies and XXXX Bill Pay for almost a year. Meanwhile I lose {$4500.00} and countless hours of frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
The original lender ACIMA DIGITAL FKA SIMP is reporting the account past due as XX/XX/XXXX which is inaccurate. The account was late and charged off in XX/XX/XXXX. This is not accurate and predatory to keep the item on my credit longer that the statutory 7year 6 month period for negative debt. This does the greatest amount to my credit report and credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Today I received my bank statement from Chase for my new XXXX XXXX, I noticed a interest charge, which I could not understand why I was getting charged when I thought my card was 0 % interest for 6 months. I called Chase and was told that the 0 % interest is only for individuals that signup for a XXXX vacation package. I advised the representative that I mislead to apply for this credit, I only purchased tickets for the theme park, I did not buy a vacation package, I do not understand why this option was available to me at checkout when I did not meet the qualifications of the credit card promotion. I thought I had 6 months to pay the credit card off at 0 % interest rate, now I have to pay it right away as the interest rate is outrageous. I also have a new credit inquiry when I would've never applied for this card if those were the qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX  I opened an Ally bank account, one of there HYSA account just one. I did this because I had a large amount of money in my XXXX XXXX account received from a selling my personal home. It was more than the FDIC protection so I felt it was best to transfer the excess to another bank. I called ally prior to the XXXX and spoke to an rep about my situation and they told me how to open an account. After, I opened the account I initially transferred small amounts to Ally to make sure there would not be any issues, but eventually I ended up transferring over XXXX. I had been with my other banks XXXX XXXX for over 15 years without any issues and I've transferred funds without any issues in the past. So I wasn't expecting any issues here. Anyways today XX/XX/XXXX  I get an email from Ally stating that my bank pin had been changed. I assume they meant my bank password but the email said bank pin and that they cancelled access to my account. I still had two pending transactions into the account from other personal banks. I called into Ally to find out what is going on. I spoke to the first representative who said that my account is still in tact and she doesn't see any fraudulent activities. Then she transferred me to another account representative in fraud department. This particular representative went through a series of verifications and then she let me know that my account is " under review ''. I asked her about fraudulent access, she says there was not any fraudulent activity. Then I asked why was I sent a email saying a pin was changed she said she's not sure. She thinks it was just sent to me to prompt me to call in but she doesn't see any changes. She said she will submit the information she collected from me to the review team and I should wait to hear back. In the meantime I'm not able to access such a large sum of money. I've only been with this bank for 2 months and I've immediately experienced something that in 10-15 years in banking with XXXX or XXXX I've never experienced. I became even more nervous when I read about other customer experiencing the same thing. I'm extremely worried about my funds and need more clarity.

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