vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk US Bankruptcy Court District of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy. According to : 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer
reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681-2 ( 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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Off and on since 2014 they have frozen my account at their choice not mine. 
It has interrupted my paying for purchases. I always have to call the customer service number and ask for a banker to unfreeze MY money. 
Go to shop at grocery store and it's frozen. 
Just tired of them freezing my 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 explanation
Consumer complaint received 2023-02-18 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: NJ

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
Multiple fraudulent accounts apparent on 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 non-monetary relief
Consumer complaint received 2023-02-18 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: DE

Complaint narrative:
Hard Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NJ

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an estate checking account as the executor of my mother 's estate with Truist bank. The bank required all paperwork from the state of MD - death certificate, tax id number and official Letter of Administration from the MD Register of Wills to open the account. I brought all this paperwork to the XXXX branch at XXXX XXXX XXXX, XXXX, MD XXXX. 

On XX/XX/XXXX, I received a letter stating that the account was missing the aforementioned Letter of Administration, and the account would be closed in 45 days if not received from me. Despite them having the paperwork already, I brought the letter back to the branch with the letter that says the account would be closed. They made a copy of the letter and assured me that everything would remain open and there was no problem. 

Today, XX/XX/XXXX, I received a letter stating that my account was closed on XX/XX/XXXX for not receiving the Letter of Administration that I had submitted twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, has violated my rights.

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I have several inquiries on my credit reports that I don't recognize, and I reported them to Equifax and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I'm here to report a general unfair process handled by Marcus bank. I opened quite some CD accounts in this bank. Recently, I noticed I can set how to handle the money after maturity for some accounts but not other accounts. I gave them a call and got to know I can only set it up after one year of account opening. Now, the question becomes why Marcus has this policy? This is just a setting and customers don't really withdraw money before maturity. The default setting is that CD will be renewed to the rate of that time if there is no further instruction from customers. Obviously, Marcus bank plays a game against customers. If customers like me either forget to change setting after one year or miss the maturity email from them, they can just hold the money for another term of CD. If I try to withdraw money after maturity date, they can charge the penalty. This kind of policy is designed intentionally to hurt customers and is not morally a right business practice. I report this not only for myself but also for other Marcus CD customers. Marcus bank by Goldman Sachs should stop this kind of policy and let customers decide how the money will be handled after maturity when the CD account is just opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
Multiple fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
Person has stolen my identity and My girlfriends Identity. Her name is XXXX XXXX. My name is XXXX XXXX. Person keeps opening up Cash App cards in our name in order to steal from our personal accounts. The number they used to open up cash app is XXXX. I do not have cash app. I just received code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This matter involves Marcus by Goldman Sachs taking most of my cash savings of {$250000.00} from my XXXX savings account on XX/XX/XXXX through a reversal of a prior transaction that occurred in XXXX of XXXX. Essentially this matter involves XXXX and Marcus misplacing {$250000.00} back in XXXX of XXXX ( that never was received by me ). I assisted both parties with hours of my time to help them. Marcus had determined on XX/XX/XXXX that I am not responsible for such error and found in my favor by written correspondence and also by telephone even earlier. Despite such finding, Marcus took the money anyway on XX/XX/XXXX from my XXXX account, which ultimately didn't get released back to me until XX/XX/XXXX causing me substantial stress not knowing if I would get my money back. Marcus further messed up the complaint I put in on XX/XX/XXXX ( upon discovery of the wrongfully taken funds ) requesting my money back, but Marcus failed to enter the complaint property and had to redo it all around XX/XX/XXXX. During that timeframe, I had called in multiple times and spoke to agents, supervisors and the fraud department, yet they still didn't notice my complaint was not entered properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: DE

Complaint narrative:
Hard Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: DE

Complaint narrative:
Hard Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2023 my landlord faxed in a bank verification letter to my bank. When I renew my lease it is required every year for the landlord to do so and the bank has always gotten back to her via fax with the letter within two days. 

The bank has not gotten back to her as of yet and the allowed time I was told by many citizens bank reps was XXXX business days for them to fax the info back to my landlord. I have sent the same fax everyday since from my fax and my landlord has sent in the fax a few more times as well. 

I have called citizens bank and immediately was sent to a call center out of the states and that individual could not locate the fax or the center at which my fax was sent to. I then called a few days later to follow up and got another call center person from out of the states and they as well said that is not their dept and they could not help me. I asked to be sent to a supervisor or manager several times and then got ahold of a person in the states and she was located at the customer service center in XXXX and she also said she couldnt locate my fax or my landlords fax cause that was not her dept and she gave me a number to the operations services dept and they would be able to help. Well that number is for collections and they could not help me as well. I called my local bank and asked if they could fill out the paper via drive up cause I am XXXX  and they said no cause the drive up is for quick processing only not to have papers filled out. 

I am so frustrated at this point in just trying to get a simple paper faxed back to my landlord so she can renew my lease. My landlord stated that other individuals who she has as tenants who are with citizens bank are having the same problem as me and she can not renew their leases as well till the bank gets back to her with that fax. Its a simple procedure I just dont get how its taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX activity has occurred on my account from a company I have never done business with, XXXX for {$870.00}. I filed a dispute and Barclays has refused to reverse the charge saying the merchant has proven it was valid. IT IS NOT VALID. I have asked for proof showing it was valid and they have failed to show me this proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of fraud. On XXXX XXXX XXXX XXXX, I received a message from my bank ( Wells Fargo ) stating that there was activity on my card for {$400.00} at a Wells Fargo XXXX in XXXX, TX which is almost an hour away from my residence. When I received this notification I was home on my couch, after being sent home from work due to freezing conditions from a winter storm. As soon I saw the text message I was ready to call my bank because someone tried to take out {$400.00} twice and was not successful until the third time when they successfully managed to pull out {$500.00} cash. I had my debit card in my possession, so I knew someone had my information without my consent. Wells Fargo called me before I had the chance, which threw me off. I started making a claim with 1 agent and halfway through they hung up on me. I called again, this time talking with another agent, and finally was able to complete the claim. They informed me that it would take up to 10 business days to settle the investigation. The money that was taken out was all that I had for rent. I called Wells Fargo back the next morning to ask for my money to be credited back since I had to pay my rent that week. They accredited me the amount until the investigation was over. On XX/XX/XXXX Wells Fargo did a " Card Reversal of Credit '' of {$500.00} leaving me negative - {$470.00}. I called panicked asking what happened and they said, that after their " thorough '' investigation they found no evidence of fraud. This made me feel worthless like I made the whole thing up, I felt like they didn't believe me. All of this was done via their customer service line on the telephone. I asked if I could speak to the person who conducted the investigation because I do not feel my report was taken seriously. It happened at one of their branches, one I have never been to. They told me I couldn't speak to anyone and that the decision was final. So I went to a Wells Fargo Bank in person and they told me that the investigation should have included video surveillance from the ATM and more, but that they couldn't do anything either. They were kind and wanted to help more. In the end, I am still left with someone taking {$500.00} from my account. I do not know how else to prove to them other than showing my cellphone location, or video surveillance of me at a gas station right before the incident almost 40 miles away. Please, let me know if there is anything I can do further. This is a ton of money for me as a single parent, working full time and living paycheck to paycheck. Please. Thank you for taking the time to read this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: FL

Complaint narrative:
XXXX XXXX  has wrong address and wrong information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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:
I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report. As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

Company response to consumer: Closed with explanation