vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: FL

Complaint narrative:
A credit card was opened in my name in XXXX and I did not find out about this until XXXX of XXXX when I ran a credit report and noticed a {$1900.00} credit card account under capital one. Ive called the company and filled a report, but I read online that I should also file one on here. I am a young woman who just XXXXXXXX from XXXX and I didnt know that I should be checking my credit report so regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were fraudulent charges on this account, which I resolved with the bank. The account is reporting a late payment/ delinquent, which is incorrect information. I have always made my payments on time and this inaccurate information is NEGATIVELY affecting my credit score.

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Description : On XXXX XXXX, I received a call from someone who announced themselves as regions bank. They said that they were calling to verify suspected fraudulent charges currently being attempted in XXXX XXXX XXXX. I live in XXXX XXXXXXXX XXXX  and at the time was on vacation in XXXX XXXX  with my kids. I asked them to verify who they were... so they sent me a text from regions. The text came and they asked me to verbally verify the code. The next morning I noticed {$4500.00} was taken out of my checking account. I contact the bank an create a fraud complaint. They ended their investigation and gave me word yesterday that they are not giving me my money back. That this is a ach dispute. The assailant had all of my personal information and created a direct deposit. But it just says ach for the destination. " Therefore there is nothing they can do. ''

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank states the following on my specific account : '' Citizens XXXX XXXX XXXXXXXX If you overdraw your account, you have until XXXX XXXX ET the following business day to get your available balance back to {$0.00} or more and well rebate your overdraft fee. 
Learn more about Citizens XXXX XXXX XXXX  Automatically enrolled '' I have an Overdraft line of credit. However I still pay $ XXXX plus {$12.00} for every overdraft plus interest. On XX/XX/23 and XX/XX/23 I was charged {$12.00} each for overdraft fees. My account was overdrawn less than XXXX hrs. According to the above policy my transfer fees should be credited. There is no message center allowing me to communicate with the bank regarding this. I called " Customer Service '' on XX/XX/23 AM. After finally getting to a live person I attempted to calmly explain my issue. He talked over me with a raised voice and told me I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 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: CA

Complaint narrative:
Credit inquiry on XX/XX/XXXX was made by XXXX XXXX without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the 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 2023-08-23 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a savings account with Citizens bank. They accepted my deposit and then abruptly closed the account without returning my deposit. 

Finally, after a year of Citizens refusing to return the deposit, they finally only returned the original deposit. 

Since they held my funds to use at their will and denied me access, Citizens owes me interest on my deposit. 

Also, although Citizens refuses to engage with me as a customer, they continue to mail me promotional offers. I have repeatedly stated in writing I want to be removed from their mailing list.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX never provided a SINGLE thingnot one nights stay, bonus etc for the money they took from us and they failed to do anything to rectify that-they continued to ask for payments to be made for absolutely nothing. When we tried to end the contract that they have used to extract money from us for nothing, they refused. We then filed complaints with Florida authorities and sought legal help. They have defrauded us of $ XXXX and they continue to want every XXXX they can possibly get under the timeshare contract. XXXX does not want to provide anything or honor any contract terms that they are supposed to and yet they want to use their contracts to extract as much as possible from their victims ( owners )

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 2023-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern I XXXX XXXX went to the bank to withdraw funds from my savings account and was told I needed my XXXX parent XXXX XXXX which the XXXX was initially XXXX XXXX who is deceased XXXX was never appointed the XXXX of my account I am not minor and should be able to with draw the money from my account according to the XXXX XXXX XXXX bank has my Drivers license and phone number on file they said I could come and withdraw at any time now they saying I cant unless my mother is with me they sent the letter to my grandmas old house which was in XXXX and none of my family live there and I live in Georgia so why are they sending information to wrong address and contradicting what they first letter say I am asking you to look further into the bank and the XXXX  laws because XXXX bank has been Miss leading us for so many years regarding this account they dont have the Wright to withhold bank information from me about the interest rate because when my grandmother passed the rate was much higher than they are stating and want to only state the rate after she passed I have tried to withdraw the same month she passed in 2004 when the rate was higher please advise whats next steps I can take with XXXX bank and can you please review first complaint and respond they gave you. 
Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: IL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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:
XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information 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 explanation
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX continues to report inaccurate information to credit reporting agencies. Equifax is not properly investigating & reporting. It states on my credit report that this account has been opened in XX/XX/2002. This is inaccurate & XXXX XXXX can not or will not provide data to support this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am an investor, invistef my {$700.00} with a company called coinbase, and always they put ristrictions on my account, and hold my money. 
I need my money to be available for cash out, because they hold my money for long time, which makes me lose the chance to buy crypto bad make money. 
I can't keep it like this, so I need them to release my money, so I could use other trading vompsy to buy crypto

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TX

Complaint narrative:
Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please delete the following inquiries as I didn't authorize these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On or around XXXX to XXXX I saw a lot of pre-approvals on Credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car, everyday I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma, I started telling my family about vacations and investments we was going to use these pre approvals for. So I applied on or around sometime in XXXX and I got denied for 3 credit cards and a personal loan I was distraught and was angry and I felt deceived I was marketed for months, credit karma told me I was pre approved This was a lie, I was severely stressed out, XXXX  for weeks I had headaches so bad I became antisocial my XXXX  went from XXXX to XXXX XXXX, now Everytime I see pre approvals I immediately close my phone. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Williams & Fudge, Inc
State: NH

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 U.S.C 1681. 

Account # XXXX XXXXXXXX XXXX XXXX XXXX {$4100.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions. 

15 USC 1681 c. ( 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 USC 16818-s-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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, XXXX and Transunion. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, XXXX and Transunion failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, Equifax and XXXX. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, Equifax and XXXX failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting a new complaint because TD Auto Finance has not provided me for an adequate response. So I will put it plainly : The TD Auto Finance website granted me a month extension took my money and added additional interest rate payments to my account. After the fact, TD Auto Finance reneged on the extension that the website granted, while still charging me an additional interest rate for the extension. 

The person who responded to my last complaint claimed falsely that they tried to reach out to me. I received no voicemails or phone calls from them. 

TD Auto Finance made an error and is charging me money for the error that they made, in violation of their own agreement. 

I tried multiple times to fix this using their customer service, however, every time I called the number provided, I was sent to voicemail. The calls were then returned by blocked phone numbers which were flagged as spam by my cell service carrier. 

I would like TD Auto Finance to be held accountable for their mistake and to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
I hope this letter finds you well. I am writing to formally dispute a series of unauthorized fraudulent inquiries listed on my credit report. The inquiries in question have been made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX want to bring to your attention that these inquiries were made without my consent or authorization. As a responsible consumer, I regularly monitor my credit report for accuracy and unexpected changes. The Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports, as outlined in Section 611 of the FCRA.

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 2023-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX : Reference number XXXX XXXX filing date XX/XX/2019. Reporting this false information violates my rights. Based on Equifax themselves they stated they verified this account from a third party XXXX, I have included a letter from XXXX from a couple years ago stating they have removed this from their reporting as it was an error. Equifax has refused to remove it from their reporting even though they stated they verified the information from XXXX whom stated they removed it from their report a couple years ago. Equifax is violating my rights by reporting false information that they stated they verified from XXXX which is a lie as this is not on my XXXX. I have included the letter from XXXX of the removal and I have included information from Equifax of them stating they got this information from XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

THIS IS THE LAST WARNING. BEFORE I TAKE LEGAL ACTION NEXT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
I want these items fixed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation