vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX  date of inquiry ( XX/XX/2021 ), XXXX date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 )

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 2023-02-17 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: OH

Complaint narrative:
Transunion states the sent a email on XX/XX/XXXX but no email was sent. They went over there 30-45 days and did not remove the inaccurate account. On XX/XX/XXXX the website on transunion stated in progress. I would like proof of the email they sent with a time stamp on it along with what email address it was sent from and what email it was sent to and what it said. Lastly why was the website not updated or status not updated on XX/XX/XXXX when the email was sent? Why would it get updated after XX/XX/XXXX when the complaint was on XX/XX/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 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I took a XXXX title loan and was charged XXXX XXXX dollars in interest I've paid them a little over {$26000.00} and counting over the course of time the loan was fulfilled last year but I'm being told it was not and being forced to pay more than enough

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
Popular Directs contact # XXXX. 
Opened a CD with PD on XX/XX/23 and did not receive a confirmation email or account #. I have been a victim of several hacked banks, etc : XXXX, XXXX, medical, etc, so I did not want to give the phone rep my full social and, of course without the social and no confirmation #, they would not help me. Spoke with a number of reps, XXXX, XXXX, XXXX and supervisor, XXXX. I was told to send a copy of my ID and a copy of a utility bill to them, which I did and received a confirmation email on XX/XX/23 for the documents I emailed to them. I called today, XX/XX/23 to get my account # and XXXX would not help me without my SS # or the non-existent account #. Personally, I have not come across any banks that ask for the full SS #., so that seems odd. 
The money, {$49000.00} was taken from my account, XXXX on XX/XX/23. If they do not provide me with an account #, how can I remove my money at the maturity date? I feel they have stolen my money, since they refuse to give me an account #. The bank does not have a stationary address and is an online bank, only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NY

Complaint narrative:
An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

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 2023-02-17 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: NY

Complaint narrative:
An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NY

Complaint narrative:
An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through Experian. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

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 2023-02-17 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I sent a check in for {$2200.00} to Avant ( the credit card company ) approximately XX/XX/XXXX. My bank confirmed that the credit card company endorsed and cashed the check on XX/XX/XXXX, and provided me evidence of such. As of today, XX/XX/XXXX, this amount has not been applied to my balance. I have contacted Avant many times via phone and email, and they " escalated '' my problem on XX/XX/XXXX. They have not responded with an update, an explanation, or anything at all, and have not applied the amount to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: IL

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. 

1.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$500.00} 2.XXXX  XXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$300.00} 3.XXXX Credit Credit Card Opened XXXX XXXX XXXX XXXX Account XXXX XXXX Limit {$1000.00} 4.XXXX  Opened XX/XX/XXXX Account # XXXX Limit {$250.00} 5.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX XXXX XXXX Account # XXXX Limit {$400.00} 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 2023-02-17 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: IL

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. 

1.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$500.00} 2.XXXX XXXXXXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX Limit {$300.00} 3.XXXX Credit Credit Card Opened XXXX XXXX XXXX XXXX Account XXXX XXXX Limit {$1000.00} 4.XXXX Opened XX/XX/XXXX Account # XXXX Limit {$250.00} 5.XXXX XXXX Credit Card Opened XXXX, XXXX XXXX Account # XXXX 6.XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Limit {$400.00} 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 2023-02-17 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: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022, I have added my wife as a joint account holder to my savings and money market accounts. As an online bank, Capital One offers to do that online when the new account holder supplies an email and phone number, which we did. Banking was working fine for over a week ; we made transfers without problems or warnings. Then we tried to make a large transfer from the money market to the savings account on XX/XX/XXXX, which was the point when the bank suddenly locked our account claiming that my wife 's identity had to be verified. The only way to do so would be to provide a " verifiable phone number. '' We had provided her number already at account opening, which works fine and has been used by Capital One to provide her login and online access to the accounts. But Capital One claims that we must wait more time until the phone number is " verifiable in their system. '' They refuse to - unlock the funds ( just under 1mn $ ) until verification has taken place,- provide information on how phone verification would happen,- provide information on how long it will take ( " could be weeks, could be months '' ), - accept physical documents proving our identity ( passports, marriage certificates, phone contract ) in lieu of electronic verification, - accept our proposal to personally visiting a branch office to show documents proving our identity, - accept any other way to proof identity,- have given no timeline of how they will proceed and if the problem will return once the account in unlocked and we will try to make a large transfer once again. 
Though fully willing to co-operate with Capital One, we are given no chance or prospect to have the account unblocked and access our assets, which we urgently need for a home purchase. On the contrary, Capital One has threatened us that all funds may be lost in case the account was opened with fraudulent intent/by providing false information. We have done no such thing and are given no chance to prove it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/22 - Called Citibank and was given a promotional offer for " spend {$1000.00} or more in the next XXXX billing cycles, get {$95.00} statement credit and XXXX bonus points '' I have then met this necessary spend, but have not gotten the credit. 
On XX/XX/22 I called them about this and was told it will take a few more weeks. 
Then on XX/XX/22 I called again and was promised it will arrive by the end of the year. 

A week or XXXX later I received a letter ( see attached ) saying I have earned the credit on XX/XX/22 and to wait 1-2 billing cycles for it to show up on my account. 
It has been XXXX billing cycles since I received the letter, and nearly 3 months since that XX/XX/XXXX date, but I have not yet received the credit and bonus points

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 2023-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been trying for months to get this account off of my credit report. I have sent in XXXX disputes along with proof that it is myself requesting the account to be removed. I have requested a full file disclosure and not received.

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 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flandreau Santee Sioux Tribe
State: FL

Complaint narrative:
I received an alert from XXXX that a collection was added to my credit report through XXXX XXXX and associates with original creditor vip loan shop on XXXX XXXX, XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from experian, i had no knowledge of vip loan shop. I have never taking out any loan through vip loan shop. I have no knowledge of this account. Prior to contacting experian about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my accounts unfairly and without providing a reasonable explanation. Moreover they went as far as closing every credit card that I had, effectively ending the relationship with me as a customer, including my business card for which I had recently signed up while being promised a credit card bonus, which they never honored. 

I understand that Citibank and any other credit card company has the right to choose its customers, but I've also taken a credit hit by applying for and accepting Citibank 's products. At the very least, I feel that they owed me a warning if I did anything that violated the cardholder agreement. The reason given to me for closing my accounts was that " the use of the cards was not consistent with other customers ''. I don't believe I violated the card holder agreement in anyway and don't feel that it was fair for them to close my accounts.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has used improper use of my report as well as inaccurate information : 15 U.S. Code 1681i Treatment of inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I recently received a tax bill from XXXX XXXX XXXX XXXX for a total of XXXX XXXX My lender- Wells Fargo already has an escrow account setup but looks like they made a mistake and paid taxes to a different property. The XXXX XXXX says that a tax lien will be issued if taxes are not paid and I am at a risk of foreclosure.

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 2023-02-17 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: U.S. BANCORP
State: IL

Complaint narrative:
I have disputed the account 5 times. I have asked for a full file disclosure letter and never received XXXX. I have sent in proof that i am the one making the request to have the account 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 explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. 

Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. 

This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.

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 2023-02-17 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 sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX bank and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX. Please have this one removed as well.

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