vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have sent in the attached request to XXXX to get a copy of my CLUE and CLEAR report and they responded back saying I did not submit enough information and their reply they ask for exactly what I already sent to them. I want the semantics to stop and to get a copy of my Lexis CLUE and CLEAR report as mandated by the FCRA as I am entitled to 1 free copy per year by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I had made an auto insurance purchase on XX/XX/2022 and I requested a policy Cancellation on XX/XX/2022 because XXXX failed to provide me with services My car was stuck on the road and I had to go to XXXX and mechanics without the Auto insurance coverage that I purchased. When I called XXXX I called to attempt to put in a claim for roadside assistance, they never gave me the assistance the claim was closed, at first the representative who handled My call pretended that they did not know that I existed as a customer and pretended That I did not have a policy number. Now that I received no services and wish to cancel and receive a refund they are begging and demanding that I pay them {$300.00} and they have been demanding this amount of Payment ever since the day I requested a refund which was on XXXX and a cancellation which is the same day the policy became effective. Are calls were monitored and recorded. They also tried to steal around {$1000.00} twice in one month. They tried they me to pay twice in one month before cancelled the policy. I have document proof ( screenshots ) and audio recording between me and XXXX, cash app only allowed me to submit one document supporting evidence I waited and they denied my claim. Cash app can not be trusted and never make purchases that is over {$200.00} per purchase on cash app. I shouldve knew not to spend {$1000.00} on cash app, a bank with no branches ( physical store locations ) now I may have to file a lawsuit against cash app for bank malpractice, whether XXXX refund me or not I still have to report cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My complaint is about customer service with Truist Bank ; Service remains very good at my local Truist Bank here in XXXX but its absolutely horrible if calling into Truist Customer Service by phone. 
There is never any immediate availability of a customer service represenative and im always put on hold for an average of at least 30 minutes before some Truist Customer Service representative becomes available to speak with me. And its usually someone with a XXXX accent that is very, very difficult to understand and often have to ask the Truist represenative to reat their comments more than once. 
BB & T customer service was easy and very good but after the merger with Sun Trust Bank and forming Truist Bank custimer service has become totally unacceptable due to call wait time, the many XXXX customer represenatives that are very difficult to understand ( Not meant to be a XXXX comment ), the inability or actions to follow up on or remedy my requests or needs, etc.

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 2022-03-27 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-03-27 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: LA

Complaint narrative:
In Accordance to the Fair Credit Reporting Act, convergent account number XXXX. 
XXXX XXXX XXXX XXXX number XXXX Commonwealth Financial Convergent account number XXXX XXXX and XXXX XXXX  Account number XXXX. 
XXXX XXXX Convergent account number 181085 US District Court 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 states a consumer reporting agency can not furnish an 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 2022-03-27 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: LA

Complaint narrative:
In Accordance to the Fair Credit Reporting Act, XXXX account number XXXX. 
XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXXt account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXX XXXX XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CBC Companies, Inc.
State: GA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS COMPANY HAS REPEATEDLY DENIED ME ACCESS TO A CREDIT LIMIT INCREASE DUE TO THE INCORRECT REPORTING FROM THE CREDIT BUREAS. I DEMAND A CREDIT LIMIT INCREASE TO ALL MY CAPITAL ONE CREDIT CARDS. I AM A GREAT CUSTOMER AND WANT TO CONTINUE TO DOING BUSINESS WITH CAPITAL ONE BUT IM A BEING WRONGFULLY JUDGED I have reached out to XXXX XXXX, Attorney General of Florida and voiced my concern on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-03-27 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: I.C. System, Inc.
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-27 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: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
These inquires listed below were not authorized. These are unauthorized inquires that shouldn't be on my credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Cic Credit Inquiry Date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


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 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received an offer in the mail from Citibank for their XXXX XXXX  XXXX. The ad said if you spend {$750.00}. In the first 3 months after receiving your card that you will get {$200.00}. In rewards. After 4 months and {$900.00}. Later I called and was told the offer was for {$200.00}. After spending {$1000.00}. I said no I have a screenshot of the ad and it clearly says {$750.00}. After going through a few others I finally got to speak to XXXX, who gave me dispute # XXXX and said the money would be in my rewards in 3-5 business days. When that didn't happen I called back and ended up texting and sending them my screenshot of the ad. In the end they said they were filing the dispute and I would here something in the mail, which I did, the next day. It also said my offer was for {$200.00}. After spending {$1000.00}. Unbelievable, after spending them the 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 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received an alert someone tried to open a credit card under my name. I have a freeze against matters like this because it has happened in the past. However there is a hard inquiry under my name that brought my score down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to TransUnion to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX BK OF AMER 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 2022-03-27 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My information might have been impacted by the XXXX XXXX breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XXXX SYNCB/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 2022-03-27 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: PA

Complaint narrative:
I didn't apply for these account on my credit report these are fraudulent accounts and i would like these account remove off 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 2022-03-27 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: TX

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


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been dealing With Bank of America prepaid claims now for 2 months trying to get this fraud dispute taken care of I have called numerous times starting XX/XX/2022 and 2 to 3 times a week in XXXX. They just denied my claim again for he third time. I have sent police report and dispute letter and hardship this has costed me. I'm at A standstill because I don't know what else to do. My wallet was stolen out of the front seat of my car with the card envelope and a couple other cards. Please help me get this resolved

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to XXXX to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX bank last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXXXXXX XXXX XXXX last four of account number # XXXX XXXX5 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
This company is sending me email about some promo offers. I do not want these offers. I feel this company is trying to trick me into spending money and using their site. I've unsubscribed from these emails MULTIPLE times. I do not want these. I am still getting them. I have attempted to email the company to have them remove me from these harassing emails, and those emails have been ignored. 
All I want is for these harassing scam emails to stop from this company like I have requested.

Company response to consumer: Closed with non-monetary relief