vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 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: GA

Complaint narrative:
In accordance with the FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

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 2023-03-11 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 FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

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 2023-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I noticed that I had fraudulent charges taken out of my Bank of America account. I reported it and the bank gave the money back. The first one was claim XXXX credited back on XXXX XXXX in the amount of {$1400.00} dollars. On XXXX XXXX the credit was reversed. Which put my account in the negative and incurred many overdraft fees. After I called in about it I was apologized to and told it would be back in my account after a few days. This never happened. The second call made it was discovered that my account information was used to pay an parking ticket out of town for someone named XXXX I was told. I informed the bank again I have not authorized the transaction and do not know that person. I was apologized to again and told that they would re-investigate and would return my funds shortly. I called again a few days later and was told that my email address was used and yet another investigation was necessary and again apologized and said Ill get receive my funds back shortly. I have yet to receive those funds. I was promised I would be made whole before XXXX. But my holidays were ruined. 

Claim XXXX in the amount of XXXX and XXXX were unauthorized charges made on that closed debit card. Once the card was replaced those fraudulent chargers where able to still be taken out of my account. Even with a new debit card. Credits were made replacing my money on XX/XX/XXXX and again taken back from my account XX/XX/XXXX and XX/XX/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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I used the Special Financing Offer mailed to me. My minimum payment was {$29.00} and knowing I had to pay off the promotional balance by XX/XX/XXXX I paid an extra {$100.00} per month to be used for the promotional payment. This extra {$100.00} per month was not applied to the promotional balance. Unfortunately, I do not look at my monthly statements and only now did I look to make sure the balance would be paid in full and found it was not applied and now I will owe close to {$600.00} in interest charges. I called the company on XX/XX/XXXX and was told I was suppose to call and request the extra XXXX XXXX monthly payment to be allocated to the balance due. I have re-read the promotional material mailed to me and no where in the description does it say this was required. They said they can only go back 60 days so they offered to apply my extra {$100.00} payment to my XXXX, XXXX, balance. In researching this I found that " the credit card company is required to apply the two payments before the delayed interest period ends to the delayed interest balance, in their entirety. '' Even if nothing can be done in my situation the entire payment was not applied to the " two payments before the delayed interest period ends '' - only {$100.00} was applied only because I called to complain. How many other thousands of consumers has this happened to?

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America ( as well as other major banks ) makes special effort to be opaque about the fees that are associated with specific bank accounts. For example, despite my efforts, I was not able to find on my online account what fees are associated with incoming international wires ( the best I could find is " fees varies '' ). There should be an easy to find link from each online account that specifies clearly what are the fees associated with every transaction for this particular account. Right now it is extremely hard, and the feeling is that the bank deliberately makes it hard to figure out.

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 2023-03-11 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: MD

Complaint narrative:
I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be 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 non-monetary relief
Consumer complaint received 2023-03-11 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: MD

Complaint narrative:
I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I never applied for a credit card with Barclays Bank This report on my credit file is incorrect

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 2023-03-11 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: PA

Complaint narrative:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: CA

Complaint narrative:
I complained about Transunion credit bureau & they retaliated against me by decreasing my score by XXXX points. They have failed to update my current payment history. I have more positive history than negative history yet the only reflect the negative history. My credit usage is not currently 90 % is lower than that according to the other two bureaus XXXX XXXX XXXX. I feel this may also be XXXX discrimination.

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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
I keep on receiving Debt Collection Requests from Rausch Sturm LLP even after I've informed them that I never applied for any Credit Card From XXXX XXXX XXXX  nor any other credit Card. I don't even own a creit card for that matter. I have asked for additional information as well but never received them.

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 2023-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Existing complaint with ally bank. They have STILL not processed my bonus that was due on XXXX XXXX, XXXX. They have my recoded phone call stating that they would pay a {$500.00} bonus, along with getting my account opened and the request to transfer my money to their bank. They also have my messages in their system directing them to transfer {$50000.00} from my XXXX XXXX XXXX XXXX checking account to open an ally bank savings account. I wonder how many other customers they are not paying a bonus to for THEIR failure to transfer in their funds? Every time I have to contact them, AGAIN, or to contact you, the punitive damages for their failure to properly transfer my funds and to pay me the promised bonus should be increased.

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 2023-03-11 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: NY

Complaint narrative:
I never applied for a credit card with XXXX XXXX This report on my credit file is incorrect

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 2023-03-11 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: NY

Complaint narrative:
I never applied for a credit card with XXXX XXXX  This report on my credit file is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
We have a Citi Costco Anywhere Visa card which provides cashback at various levels for different spending categories. While it's often easy to understand how each transaction falls into a reward category, it isn't always clear. Citi does provide details regarding each transaction 's spending category, which should correlate with the applicable reward category, but they don't make this explicitly clear. Whenever we have a question about how a specific transaction is categorized for reward purposes, we find that information is not available. Upon seeking assistance from Citi, via both chat and phone, support agents were unable to provide transaction category details. One agent commented that they could only provide the information to the primary cardholder ( I'm the additional cardholder ). Although unconfirmed, I'll accept this interpretation for the moment, so I asked for a copy of the account terms and conditions ( T & Cs ). I asked if the information was available on the website or if it could be sent to us. After spending over 30 minutes on the phone with Citi customer support ( and getting transferred a couple of times ), I had to give up. Citi was unable to provide a current copy of account T & Cs, either online or via regular mail. That seems wrong and a financial services company should be able to provide the terms upon request.

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo failed to pay me a welcome bonus even after I fulfilled deposit requirement.

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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have tried sending letters to Midland Credit Management even as early as XX/XX/XXXX requesting validation. Enclosed your going to find pictures of the letters I have sent to Midland Credit Management via certified mail. In over 5 months I have not gotten validation of the debt and it has impacted me. I gave Midland Credit Management 30 days to validate the debt and to correct their records. I have tried in good faith to have them correct their records to no avail. I need help. This has impacted housing, interest rates and other aspects of my life and I still tried to do the right thing and reach out to have the debt validated. This company is now reporting to all 3 major credit agencies information that is not validated and has caused me struggle for no reason. I gave them 30 days and its been over 5 months and there is still no validation or investigation for them to correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
XXXX XXXX failed transaction reversal i had XXXX XXXX XXXX XXXX XXXX on cash app therefore the company negligence caused me to be in the negative cashtag XXXX XXXXXXXX They never gave me money back if I could touch them we would hug now on my different cashapp cashtag XXXX XXXX  They stealing money again two XXXX $ unauthorized transaction sent to someone I don't recognize I let them know they didn't care These fraudulent corporations working together nothing is Being done about any reports I filled out these people treated my ancestors evil they deserve the same XXXX karma one of the universal laws hopefully they get what they deserve Stressing me out behind my own XXXX im hate people even more running this fake XXXX scheme have people who hates my people in authority position I denounce this horrible land unless my rights be enforced and Protected like these fake XXXX laws scammers XXXXXXXX XXXX working together 18 usc 241 Also You must respect my rights I know I have the federally protected right to privacy you are or did violate my federally protected right as an consumer People also ask What is conspiracy to cheat and defraud? 
Conspiracy to defraud is a common law offence which was expressly preserved by section 5 ( 2 ) of the Criminal Law Act 1977 ( CLA 1977 ), and is triable only on 18 U.S.C. 504 ( 1 ), 31 CFR 411.1.indictment. The offence requires that two or more individuals dishonestly conspire to commit a fraud against a victim.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I'm trying to get my free annual credit report from Equifax. 
I tired their online system, but there is a point at which it sends an email with a one-time verification code. The email arrived, but there was just a blank space where the code should be. I will attach a screenshot of the email so you can see there is no verification code in it. 
I tried getting by their phone system. The Equifax operator I spoke to had me open a mobile app that takes pictures of my driver 's license and my face. The app took pictures of my driver 's license, but it would not take a picture of my face. 
I tried their mail system. I got no response at all. 

Please make EQUIFAX send me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: PA

Complaint narrative:
In XX/XX/2022 I requested that 3 collections be investigated and removed from my credit report after requesting the accounts be investigated. I have not heard anything regarding these accounts and they continue to hurt my credit worthiness.The accounts are below. 

XXXXXXXX XXXX XXXX XXXX XXXX AND 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have multiple credit inquires on my credit report for starting from XX/XX/2022 to XX/XX/2022. At that time that these inquiries occurred I have a fraud alert on each of my credit reports. None of the agencies reached out to me to confirm a fraud alert was active on my account and if I authorized any of the inquiries. According to the fair credit reporting Act, you must abide by the permissible purpose provisions. I ask that each inquiry be removed or proof that each inquiry complies with the Federal Law. 

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 XXXXXX/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 2023-03-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I was on XXXX XXXX  and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : Mazda Financial Service. 
Reported : yes, to most credit bureaus and lender with no fair resolution.

Company response to consumer: Closed with explanation