vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: LA

Complaint narrative:
FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX, LA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA
XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
TXXXX 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 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MN

Complaint narrative:
The banking product has a feature that allows me / user to lock the debit card. If the card is locked, the card will decline any transaction attempt. Once the card is unlocked, the transaction will be processed if funds are available. When transactions are with merchants that could charge additional fees e.g., hotels, restaurants, etc., the bank will hold the charge in " pending '' status until the merchant settles the transaction On XX/XX/2023, at XXXX XXXX., I unlocked my card in advance of checking into the XXXX XXXX in XXXX XXXX XXXX, MN. I inserted my card into the hotel 's card reader, and the transaction for {$240.00} was declined despite the fact that I had sufficient funds. I used a credit card to check in. At XXXX, a hold for {$250.00} was processed on the debit card that was declined one minute before. 
The debit card at issue is a business CashApp card through XXXX XXXX routing # XXXX. 
After spending hours using CashApp 's customer service messaging, I was finally provided a phone number to their customer service. The agent I spoke with emailed me, with a reference number, and instructed me to reply with a XXXX balance receipt from the hotel. Notably, NEITHER THE HOTEL NOR CASHAPP could provide me with an authorization number for this hold because, at least on the hotel 's side, they never got an authorization number. On a phone call that I recorded, the CashApp representative stated that CashApp had NO AUTHORIZATION OR REFERENCE NUMBER for the transaction. Nevertheless, after sending CashApp a XXXX balance receipt and itemized receipt, via the email and per their instruction, the agent stated that they could not release the hold BECAUSE THE TRANSACTION WAS MADE WITH ANOTHER CREDIT CARD. 
I was in one of the most dangerous blizzards in the history of Minnesota, stuck at a hotel with no way to leave because CashApp had my funds tied up. I was there to begin with because I sat for the MN Bar Exam on XXXX XXXX. I did not check out until Saturday. 
Ultimately, without cause or effort to contact the merchant, CashApp will not release my funds until they get confirmation of an authorization release -- on an authorization that never existed and resulted from their own system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence any third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App is the corporation in question. Using the service on Saturday at XXXXXXXX XXXX, I sent my son {$50.00}, to his account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The transaction Successfully went through. 
case # XXXX However, the account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), is " Supposedly '' " Suspended '' and Unbeknownst to myself. So, as I asked Cash App 's support team, what happens to my money. 
The had the Audacity to inform me that Cash App 's do not Issue Refunds. To my Horror, I find out that. Not Only had Cash App Allowed this transaction to go through, but they had also taken my son 's paycheck in much the same way. 

I want my Funds Returned to the sending account, Not EXCUSES as to Why Cash App gets to Keep my Money for Services NOT Provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: OH

Complaint narrative:
On or around XXXX XXXX I received my consumer report from XXXX. And apon inspection I noticed there were # XXXX Inquiries on my consumer report from # XXXX deceptive company 's. Company 's that I have no contact or open contract with .They are using TransUnion to report the derogatory misleading information to other creditor 's I have not given written permission or correspondence or seen a court order granting TransUnion the rights to disclose any or all derogatory information on my consumer 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 non-monetary relief
Consumer complaint received 2023-02-27 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: GA

Complaint narrative:
I added unauthorized inquires XXXX, XXXX, UNIVERSITY 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, 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: NJ

Complaint narrative:
Good evening I went online to apply for a loan so that I could fix my bathroom wall a loan place named speedy cash loan popped up so I applied upon applying they requested my banking log ins and I'd to verify my account they said I was approved for XXXX then changed it to XXXX the XXXX XXXX XXXX I woke up to random deposits in my account for XXXX twice and a refund amount into my account from a XXXX payout I did to a contractor from XXXX the loan people called me and told me that I needed to send them the money from the XXXX deposits and the refund via XXXX as it was only deposited into my account to be sure my account was valid which didn't make sense to me but they said to send the XXXX so I said if u deposited into my account then take it out of my account immediately they said they couldn't and I had to XXXX it back to them thus I said send me an office and they said they could not and that the only way was to XXXX it back this I did for the XXXX twice to a weird XXXX XXXX they provided and told them I didn't feel comfortable and to withdraw my loan application immediately I went to my bank and explained the situation to my bank they advised to close my accounts my personal and my business right away thus we did and advised to add fraud alert to my personal credit and to file a Police report as there was reason to believe this was a fake loan company scamming

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 2023-02-27 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: FL

Complaint narrative:
I accidentally made a large payment of {$6000.00} to Citibank when my bill was less than {$600.00}. I requested a full refund. I was told that my request would be processed in 10-14 days. The representative asked if I had overdrawn my account and I answered honestly that it hadnt. It has now been 15 days and I am now unable to pay the next months bills because this hasnt been returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 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: MI

Complaint narrative:
I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, Equifax, and XXXX regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXXXXXX - XXXX Account XXXX XXXX ) XXXXXXXX XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account # XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: MARINER FINANCE, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX I went to Marina Finance XXXX XXXX XXXX XXXX XXXX SC .I showed my DL and SScard i told them that I didn't have an account and they are reporting to XXXX .that I have I asked to have it removed and they told me that it could not be removed although they admitted it was not my account .when I asked why the woman got really nasty with me with a real attitude. All that I wanted was an account that is not mine removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
Account reporting incorrect information. Incorrect payment history. Please have this removed right away. 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 explanation
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
Account reporting incorrect information. Incorrect payment history. Please have this removed right away. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I guaranteed a school loan for my daughter XXXX and a lawsuit was brought by National XXXX or their assignee back in XXXX. The matter was settled by a stipulation that was filed on the Court Docket. The total settlement amount was {$12000.00}. The following payments were made : XX/XX/XXXX - {$4400.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} The matter was stayed due to the pandemic and then, to my understanding the balance of the debt was forgiven. I have heard nothing further from plaintiff 's counsel, as required, in order to enforce. 

Last week, I received two telephone calls from XXXX XXXX ( XXXX ) who claims that he is acting on behalf of a third party debt collector, XXXX XXXX XXXX XXXX Today, XXXX XXXX XXXX XXXX XXXX insisting that I owe {$35000.00} and he should arrange for me to call and pay immediately - and should I fail to do so, he will immediately seize my property and XXXX XXXX property. 

I called XXXX. He demand {$35000.00}. I told him about the stipulation and court case. He claimed that no stipulation exists. I told XXXX that under the 15 USC 1692g he was under an obligation to send me a demand in writing and to afford me the right to validate the debt in writing. He claimed that neither he nor his company have any obligation to follow 15 USC 1692g or any other " silly rule ''. 

XXXX has committed the following acts of wrongdoing : a ) Misrepresentation that {$35000.00} is due when in fact, no debt exists for that amount. 
b ) Refusing to recognize the court case ( attached ), the stipulation of settlement ( attached ) and my payments ( attached ). 
c ) False and Misleading representations as prohibited under 15 USC 1692e.

d ) Violation of 15 USC 1692f for threatening to take nonjudicial action to seize my property when in fact, no legal right exists to seize my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 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 XXXX Account XXXX XXXX, Account Name : XXXXXXXX XXXX/Account # XXXX, Account Name : XXXX /Account # XXXX, Account Name : XXXX XXXX XXXX XXXX/ Account # XXXX, Account Name : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to withdraw {$7000.00} cash on XX/XX/2023 and deposit It to different financial institution to pay credit card bill I was told we have only {$3000.00} cash on hand and we will get drop on Friday XX/XX/2023 to already made payment to XXXX XXXX XXXX for {$5000.00} and {$1700.00} to XXXX XXXX and was planing to withdraw another {$5000.00} to deposit to XXXX to reduce my debt ratio now I dont know what to do I have {$89000.00} in US bank and can not withdraw {$10000.00} that wasnt intent before month end please let me know what to do this never happened with others bank the teller name was XXXX at US Bank in La XXXX XXXX in XXXX Ca XXXX XXXX I only withdrew {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY

Complaint narrative:
Account number XXXX this loan was in my husbands name XXXX XXXX he passed away on XXXX we had repeatedly fax documents over the course of loan to add me as a authorized user and verbally also I notified them in XXXXXXXX XXXX that he passed they wouldnt give me any account information told me to go off of statement that comes in mail and a death certificate was mailed in to them also I made several payments to them and still no luck of retaining information I continued to live at the address on there file until XXXX XXXX still dealing with them ( I carried insurance on this vehicle until XXXX XXXX and had in my possession ( my name only ) I received mail from them addressed to him by name and some that says estate of him received several checks made to him ( he is dead ) and I finally had enough when they sent a check for XXXX to him and I called them was a bad experience expect me to continue to pay on something never knowing if I would ever see the title and them addressing him as he was alive it just hit me wrong two years after the fact and I told them to come get the vehicle and where it would be located they sent a repo man within a few days he knocked on door and asked for my dead husband and said they had the repo as as a skip and hide well I can assure I did go get my husband from the mantel Wells Fargo has screwed people over for years but a low blow when they cant even have respect for someone dead they gladly took my money ( only my name on the bank account and let me insure it but wasnt good enough to talk to if I was a skip or hide why didnt it sit in driveway for 15 months after he passed away I just want this to be known still boils my blood

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A credit card was opened at chase bank. It has been opened fraudulently .There are over {$3000.00} in charges that I never applied for. I have contacted Chase and they have not responded to correcting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX. 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever.

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matter and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
Today, XX/XX/23, I called speedy cash customer service. I was told that it was serviced by another department and then transferred. I was transferred to someone named XXXX. She told me that the loan was in their internal collections and was set to be sent to an attorney, but did not have a timeframe. She told me that the only option I had was to pay the loan in full. I asked if we could set up an arrangement to take care of the loan and she said that it had to be paid in full. I asked her for a letter to confirm the debt amount and she told me that there was nothing she could send and that their department did not send mail at all and that because she is on a recorded line there will be record of the conversation.

Company response to consumer: Closed with explanation