vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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:
In accordance with the fair credit reporting act XXXX my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.

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 2022-12-22 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:
In accordance with the fair credit reporting act XXXX  my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with XXXX and that they were trying to collect on a debt. 

They said this was for a XXXX  account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX late open Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have previously banked with Chase Bank, and had both a personal account and a business account. I currently still have a personal account. 

This company has taken over XXXX in fees within all of my accounts since Covid. Overdraft fees and monthly service fees. I have tried on numerous occasions to get fees waived. The results are they remove such a small amount or don't do anything at all and state it's past their approval limits. 

I finally gave up when my accounts were overdrawn primarily due to the fees i have consumed and I couldn't maintain my account due to the excessive fees I've owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
Google pay never sent me my fund over {$3500.00} and has been holding my funds for over XXXX  months and not returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX Opened Barclays XXXX XXXX credit card with $ XXXX spend ( in 3 months ) for XXXX miles bonus and {$99.00} annual fee statement credit. 
XXXX XXXX XXXX XXXX XXXX  spend requirement XXXX  - {$99.00} annual fee statement credit posted with statement close. XXXX miles bonus did not post. 
XXXX  - Messages to Customer Service Reps ( CSR ) inquiring about bonus not posting. CSR indicated it could post on the statement when qualified requirements are met. 
XXXX   - Inquire again as miles still do not show pending in my Barclays account. CSR says wait 6-8 weeks per Terms & Conditions. 
XXXX  - Inquire again after specified time frame since meeting requirements. CSR indicates I did not meet requirements, but I did. CSR opened investigation to take another 30 business days and I still do not see anything another couple of weeks in.

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 2022-12-22 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: TX

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-12-22 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: TX

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to get into by Best Buy Acct to pay my bill. The phone they provide has NO way to speak to a real person. Their automated system is only speech or numberpad-based. When they don't work there is no alternative. I can't pay my bill since NONE of the phone provided goes anywhere but their canned systems. 

I am sure this is deliberate as they can charge XXXX fees for late accounts. At this point I want to pay the account off and close it. Such a sleazy company. HELP!

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 2022-12-22 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: TX

Complaint narrative:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; 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 Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX 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 2022-12-22 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: IL

Complaint narrative:
transunion is doing a fine job deleting 3 of my hard inquirys they need to get rid of these to XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/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

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 2022-12-22 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:
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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX self-Reported # XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX  # XXXX, account name : XXXXXXXX XXXX  # XXXX, accoutn name : XXXX XXXX  # XXXX, account name : XXXX XXXX # XXXX, account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXXXXXX account number 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 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 2022-12-22 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: NJ

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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX self-Reported # XXXX, account name : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, account name : XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX # XXXX, account name : XXXXXXXX XXXX  # XXXX, accoutn name : XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXXXXXX # XXXX, account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST
State: MN

Complaint narrative:
The bank I am complaining about is the Bank of the West. I started a balance transfer which has very high interest and fees to another credit card account with an amount of {$3900.00}. 
I was promised by the bank that the transfer will take XXXX weeks to be completed ; however, it has been over XXXX weeks and the bank is not responding to my disputes, emails, phone calls, online massaging. The bank also didn't refund the check, fees, and interest associated with the transaction. What is making things bad is that I am not able to reach out to anyone from the bank to resolve the issue.

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 2022-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter out XX/XX/2022 to Experian, XXXX and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT

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 2022-12-22 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: TX

Complaint narrative:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-22 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: OH

Complaint narrative:
Have sent a list of deputies to Experian, over XXXX past and present dating from XXXX I did not authorize them and they failed to provide accurate information, and a removal of XXXX XXXX XXXX  status is not accurate. 

No action was taken by company and has impacted my financial stable ability to get a home for my family. I am seeking compensation.

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 2022-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
After several months of communicating with the dispute department of Incomm Financial Services , Inc, regarding my VanillaGift Card issued by XXXX XXXX. I received a replacement card issued by XXXX XXXX XXXX with my name ( XXXX XXXX ) vs. ( Gift Card Recipient ) as I received in the form of a birthday present on XX/XX/XXXX. This replacement card has the exact same account number ( XXXX ) as the original but with a new expiration date of XX/XX/XXXX vs. the original gift card of XX/XX/XXXX and a new security code of XXXX vs. the original of XXXX. 
When I went to activate this new replacement card, I found it already had several transactions ( as did the original card ) already listed and with a remaining balance of {$14.00}. As I had already mentioned and documented back on XX/XX/XXXX when I tried to activate the original gift card which also showed several transactions and with an available balance of {$32.00} cents. I nor anyone known to me has ever conducted business on this account. All transactions are fraudulent and not activated by me or anyone known to me. The letter sent to me by the Incomm dispute Resolution Department after XXXX days of investigating my complaint on XX/XX/XXXX indicated the approval of a replacement card which should have been for the total of {$50.00} not {$14.00}. I have requested them to advise me of the details of their investigation and what they believe were the transactions they believe I or someone known to me may have conducted on this account. I also requested them to advise me as to how and what I can do to satisfy them that no person, me or anyone known to me, ever conducted business on this account. I also asked that they at a minimum advise me of their receipt of my request for further investigation and for them to immediately replace my card with a new card, and a new account number in the amount of {$50.00}. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more than 6 months and It won't let me access it. I have changed all my passwords, the card is correct and everything seems fine. I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. I need it to pay my bills. I've written more than a XXXX e-mails and I always get generic responses. Can someone please help me? I have approximately XXXX. COINBASE CASE : # XXXX Thank you, I await a reply.

Company response to consumer: Closed with monetary relief