vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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 the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-11-29 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 the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2021 {$140.00} XXXX was in care of XXXX XXXX XXXX for XXXX XXXX XXXX In XXXX, Fl. Wells Fargo. None of the evelope or funds were given to me. Not even a dollar. Messing up my credit with purchases. My money was put in volt to hide it from me. We made me lose my items from my home by refusing to give my money back. It's not just her XXXX XXXX. XXXX XXXX. Next up XXXX XXXX XXXX lawsuit. Stole XXXX XXXX Dollars. Hurricane came I was left in the street while they live in my brand new home. 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 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Donut, Inc.
State: CA

Complaint narrative:
First, On XX/XX/2022, Donut app withdrew {$8500.00} of my principal in my account with them. They made multiple promises that the principal was secure. For example, they promised that " XXXX XXXX  is highly collateralized, typically over 125 %. This means your principal is always covered. '' They said, " Donut is a high-yield, fixed income product powered by XXXX XXXX. '' They said, " Lending on Donut is highly collateralized, typically 125 % -200 %, meaning your principal is covered. '' They said in their app that " Your principal is always covered by overcollateralization, typically above 125 % of your principal. '' Donut 's withdrawal of my {$8500.00} violated the promises they made that my " principal is always covered ''. 

Second, they tweeted and notified me though the app on XX/XX/2022 that, " To our users, Donut has zero exposure to XXXX, XXXX or XXXX. Everything at Donut is running smoothly and were baking steady XXXX  as usual. Donut went on to say on the same day, XXXX are one of our approved lenders ( we have others ). Loans with XXXX are overcollateralized ( e.g. 125 % ) If margin calls are not met by borrowers, they seize collateral and/or hedge out collateral risks. They hedged out XXXX risk early this week and have no exposure. 

Based on their statement, I did not withdraw any of my {$5400.00} in funds that were still in Donut. 

These were lies, and on XX/XX/2022, prevented all users from withdrawing any funds, including mine. They still claim to have over 100 % liquidity on their app, which is not true.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had applied for a Wyndham Rewards Credit Card at a timeshare presentation in XXXX of 2022. I had a timeshare purchase made on the card and had it cancelled a couple of days after due to pressure tactics and had not used the card until XXXX after being promised a promotion. 

Upon further review, I noticed Barclays was offering an introductory XXXX Bonus points if the card was used for purchases totaling {$1000.00} within the first 3 Months. Prior to using the card, I had a conversation with XXXX on XXXX XXXX via an online chat which I will include. I had asked her if I were getting the promotion being offered online to which she responded I was not and and advised me I was getting a different promotion. After asking her why I was not as it is listed on the website, She came back and said she does show the XXXX bonus points and will submit a ticket to ensure I receive the promotion after completing the requirements. 

I then started using the credit card ( to which I am sure Barclays received a nice profit from merchant fee 's ) and had used the credit card for all my purchases for the next 2 months to guarantee I spent over {$1000.00}. In total spending well over {$2500.00}. 

When I called to ask about the issue I was told by several representatives the issue will be reviewed and I will be contacted. After finally calling again on XXXX XXXX at XXXX, I received an unsatisfactory response from the credit card company. 
The last representative XXXX, rep ID XXXX, stated bluntly, you are not getting the bonus points because that was not part of the terms and conditions of your credit card offer. After explaining to XXXX, my conversation with the other representative XXXX on XXXX XXXX she did not care and stated it doesn't matter what was said. 

I want to reiterate, and stress, the only reason I used this credit card in the manner I did was due to the conversation with a representative and Barclays is not holding up their end of our expressed contract. This is not only horrendous customer service but fraudulent in nature. 

In utmost dissatisfaction with the company, I had cancelled the credit card on XXXX XXXX. Please assist in obtaining what was offered to be added to my Wyndham rewards account 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 2022-11-29 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: GA

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX 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 : 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 XXXX 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 2022-11-29 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: GA

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX # 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 XXXX 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 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
On XX/XX/2022, we, XXXX XXXX XXXX XXXX found out that a repair check was cashed without our signature. We reached out to the insurance company that issued the check, XXXX XXXXXXXX XXXX. It was check # XXXX in the amount of {$380.00} made out to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The insurance company adjuster, XXXX from XXXX XXXX XXXX, a XXXX XXXX, advised she would have to get the affidavit of forgery from the bank, Renasant Bank. They are supposed to provide the documents needed to start the forgery claim. They have been uncooperative and have not provided the documents for us to get started.

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 2022-11-29 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: VA

Complaint narrative:
In XX/XX/2022, I submitted letters to each credit bureaus, XXXX, XXXX, Equifax stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, XXXX, XXXX, Equifax stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police XXXX. I submitted all the documents request from the credit bureaus and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
My information is part of a data breach. Unknown accounts appeared on my credit and its hurting my credit worthiness.

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 2022-11-29 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: IL

Complaint narrative:
A XXXX late payment was occurred on a XXXX Credit Card Account during the COVID-19 pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.

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 2022-11-29 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:
XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 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 2022-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company alleges that my payment due on my card in XXXX of this year had bounced. This is untrue and I attempted to provide them with the documentation. I have spoken to these people XXXX times and they have deliberately stonewalled my efforts along with providing erroneous or false answers. I do not know what to do next, because I can not trust them with further payments if this is the treatment I receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: FL

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 XXXXXXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : 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 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 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My American Express National Bank ( Bluebird ) has subtracted over {$9000.00} from my account and act like they don't understand to add it back i have all the paperwork about it and they have my money and won't put it back. It was gone in less than XXXX weeks and is like I have made purchases and I have not they have a lot of ERRORS on my account and i am broke because of it and need my money ASAP. I want extra money for all this time they kept getting the stuff I need. They can give me extra money for having to wait since I need to buy stuff and can not get it cause of them keeping my money. 


Desired Resolution Relief Payment Request : {$9000.00} Requested Debt Relief : {$9000.00} Other Relief : My American express bluebird bank account has been wiped out by them it subtracted money from my account when I didn't even ask for it to be taken out. They need to give me my money back ASAP, I have bills, need food, need everything since I'm having to wait on them to give me my money back and this has been since XX/XX/XXXX and XX/XX/XXXX then from XX/XX/XXXX thru XX/XX/XXXX. Either way, the money was subtracted from my Bluebird ( American Express XXXX Bank Account and it was never added back, it's not that hard to see that it was not ever added back and why it was even taken out is a really good question, they shouldn't have been subtracting that much of an amount and they have down several withdraws from an ATM that someone had used my card to get some money off that I never withdrew. American Express does have zero fraud liability but they are not wanting to give me the money that is rightfully mine back. And multiple transfers were subtracted from my balance but was never sent to the other bank and were never added back to my balance.never added back to my account and neither were the amounts that someone had stolen. This has been going on since XX/XX/XXXX and I still do not have my money back or anything the representative that I spoke with recently said that " They didn't have access to it and that it was not there so now I am going to have to find all my receipts and write letters all over again for the XXXX time this year. I American Express Bluebird does not want to give me back my money for some reason and I had sent in proof that I was telling it correctly. Can you please help me get my money back it totals {$27000.00} total some reason back in XX/XX/XXXX they were {$20.00} mysteriously disappeared and they can't explain what the deal is cause they should have already given me a credit for the amount since it's been way past 10 days? It's also been past 45 days. Please I need CFPB help with getting my money back. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: MD

Complaint narrative:
15 U.S. Code 1679c have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 
XXXX is reporting an inaccurate balance on my credit report and I have sent couple dispute to no avail and Equifax refused to provide me how the investigation with discover went as I dont know what Equifax is reporting on my credit report. Investigate and delete and attached is document XXXXXXXX XXXX which is known on my report as XXXX Equifax reporting wrong balance on XXXX balance Summary Investigate XXXX and XXXX  and delete

Company response to consumer: Closed with explanation