vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation
State: CA

Complaint narrative:
Card Prepaid ; Card.com literally stole money out of my bank checking account. This happened in XXXX of XXXX  and I called when I noticed they took {$47.00} out of my account and told them I didnt approve of that. So they told me theyll refund the money back. I check bank statements and see that no money was ever returned. I call again and I speak to XXXX. I speak XXXX every time I call, and she tries to tell me the same exact thing she did the day before call your bank and tell them to send us your account number because we cant send the money back without that info I call my bank they say no we dont do that, I call card.com AGAIN and this time she says okay send an email. Well refund you we just need that info first. XXXX going crazy theyre scamming me and idk what to do. I even said okay just send me another card with {$47.00} on it and Ill use that atleast Ill get my money someway, she says no they cant do that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX Chrysler capital received a check in the amount of {$42000.00}. Chrysler capital cashed the check on XX/XX/XXXX. Since then I have called over XXXX times and have been given several different reasons why they have not closed my account. Ranging from were waiting on accounting to we need more documentation then at one point Chrysler capital said they would not talk to me about what they need but that my insurance must reach out to them. After that interaction XXXX weeks ago they stated that they were waiting on accounting. The final call on XX/XX/XXXX the insurance department said they have no proof of the check and never received it. Despite being faxed 2xs to them. Every single time I call I get a different reason and excuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
This account is reporting a late payment to the credit bureaus but I have never been late. Please tell them to update to Paid as Agreed or remove the entire account from my credit report due to inaccurate reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have filed an identity report with the government to have these accounts in question investigated & I would like these removed they are affecting my credit. I have been told these accounts were verified ( which is false because they are not mine ) and did not provide any proof they were mine. My rights have been violated, and before I take legal action I demand these accounts be removed. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : XXXX XXXX When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : Discover Bank When the account was opened : XXXX XXXX Account Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance to the Fair Credit Reporting Act, which is codified in 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I, the Consumer, am writing this complaint due to inaccurate reporting of all 3 consumer reporting agencies that is XXXX, XXXX, and Experian. Under 15 USC 1681 section 623 it 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. '' In XXXX XXXX report it shows that I only have XXXX hard inquires 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 Experian shows that I XXXX 17 hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This is causing much confusion due to the inquiries not matching and shows me that reports of these inquiries are inaccurate and I would like them to be removed. Not only does it violate section 623 but it also violates section 604 ( a ) ( 2 ) which states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' I have not given written instructions for these inquiries to be furnished on my consumer reports. 15 USC 1681 section 607 ( b ) also states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' there must be a maximum possible accuracy of my consumer reports across all agencies.

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 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I needed a bed tent that I designed in the XXXX XXXX  in XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I get XXXX since a XXXX  turns out it's Artificial intelligence and an electronic XXXX XXXX XXXX  that electrified XXXX base into a choking agent for regular check ups but I was XXXX XXXX XXXX XXXX and trapped in the apartment so came up with a solution. The capital One people or XXXX people stopped my check because the neighbors vote in the homes which are XXXX XXXX  as well. It's XXXX but two were defective it's like Capital One does it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Happy Money, Inc.
State: AZ

Complaint narrative:
I contacted happy money ask them to stop calling and contacting my cell phone. A representative stated she would put a Cease and Desist order on the account. This was in XX/XX/year>. I want to say couple days later I received a text message from happy money which I found very odd after stating I didnt want communication via my phone line. I called in and submitted a complaint. Manager reviewed the account and admitted that the account did in fact have an active Cease and Desist order. She stated she will forward the case to another department. A rep name XXXX XXXX XXXX out and stated that it wasnt a full cease and desist order. That they can still text me. I submitted a demand letter and requested compensation for a violation on the order. I asked for the legal departments number and they stated they dont have one. I have sent 2 emails to XXXX. No response. Also XXXX didnt deny that if I was white they would respond. But didnt deny that they havent responded because XXXX a XXXX XXXX. Which is against federal law. I have ask for arbitration and basically have not received a straight answer. I signed a contract stating to advised Happy money if I disagree and would like to seek arbitration to advised happy money which I did. XXXX would not start the process or send info to the arbitration team.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
This account is reporting a late payment to the credit bureaus but I have never been late. Please tell them to update to Paid as Agreed or remove the entire account from my credit report due to inaccurate reporting. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX The total purchase was something. Around {$240.00} and the cashier said she wants to give me 10 % off and I need to get the credit card. I told her that no, I dont want a new credit card because I already have a couple and I dont want my credit to be run. The cashier replied that she wont run my credit and I need to put a wrong SSN so the system will avoid running my credit and she still can give me 10 % off. I made sure by asking again and she replied again with the same certainty that my credit will not be run. Now Im seeing through my bank application credit score tab that my credit was run. This is fraud and I dont want any credit card. I even told the cashier that its ok I dont want 10 % off because it wont be much but just {$23.00}. She said she will give me 20 % but now Im Looking at the receipt, she didnt even give me that as well.

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL IS TARNISHING MY ACCOUNT BY A BOUNCE CHECK WAS APPROVE BY THEY SYSTEM A YEAR AGO. NOW THEY GOT MY ACCOUNT OVERDRAFT, ANDTHE PROBLEM A CLIETS IS GET FUNDS BACK FROM A PRODUCT WAS SOLD TO YEARS AGO AND NOW MY ACCOUNT IS OVERDRAFT XXXX PLUS AND NEED THIS REMOVE BACK TO THE REGULAR BALANCE. I HAVE THE RIGHTS OF PRIVACY, U S C CODE 1681A 1681B 1666B 1692C 1681AI. PLEASE REMOVE THIS CHECKING ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A bankruptcy dispute was submitted on XX/XX/2024. Enclosed with the dispute was a letter from the court stating that the courts did not verify bankruptcies with the credit bureaus. This matter was not investigated nor was this account verified with the courts, despite stating the account was verified with the court on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The Bank Provided the information I filled it out and they have been giving me the grand run a round sense. Wells Fargo bank stole my truck by repossision and niw they say they dont have any records anymore they threw them away. They never should have been allowed to handle the paying back of money we were robbed of. They gave me XXXX and I was out XXXX and had to file bankruptcy and they have not even fixed my credit as they said they would.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A bankruptcy dispute was submitted on XX/XX/2024. Enclosed with the dispute was a letter from the court stating that the courts did not verify bankruptcies with the credit bureaus. This matter was not investigated nor was this account verified with the courts, despite stating the account was verified with the court on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr from a merchant called XXXX XXXX on XX/XX/XXXX and never received it. The total of the purchase was {$89.00}, which I financed through XXXX XXXX via Affirm. I made a downpayment of {$22.00} on XX/XX/XXXX and was scheduled to make three more payments of {$22.00} on XX/XX/XXXX and XX/XX/XXXX, and the last payment of {$22.00} on XX/XX/XXXX, which now Im receiving past due notices because I discontinued the payments because of no delivery. I have tried contacting the merchant by email multiple times, but there has been no responses. I also contacted Affirm about regarding the non delivery, but they are still holding me accountable for the payments. A dispute was opened and supposedly a claim was filed by an associate at Affirm, but I havent been able to accomplish anything on either one. I really think the company was a scam and both Affirm and myself have been scammed, which is why I think I should not be liable for the payments. I believe Affirm should be more aware of the merchants they advertise on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : Diversified Adjustme When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXXXXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : First Progress Card When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2024 I deposited a cashiers check of XXXX in to Capital One savings account I had. The deposited check was held til XX/XX/2024 and wheni tried to withdraw funds was told my funds were fraudulent and my account would be closed. I contacted bank mobile feature and funds were verified and released. I returned to bank and withdrew XXXX all on XX/XX/2024. XX/XX/2024 I returned to get a cashiers check for XXXX and was denied and funds were frozen due to fraud and put back under investigation. I received an email stating after 7 to 10 business days upon closing of account my funds would be refunded via check. I contacted bank on XXXX business day and was informed it would be another 90 days. Without any formal email to this new information. I am a small business owner and a XXXXXXXX XXXX who is trying to start a construction company. Theses funds are from my investors and it appears to be sabotage of my current plan to operate my newly formed business. They sender of the check contacted Capital Oneand was informed that due to my banking history and credit scores Capital One will try and seize my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: NC

Complaint narrative:
On XXXX XXXX the vehicle was voluntarily surrendered due to the car being damaged by a CarMax representative. I was told that I would be updated on the vehicle being sold after the surrender but instead, CarMax Auto Finance continued to label the loan as active instead of inactive. Doing this caused my payment history to be affected, therefore decreasing my credit score by XXXX points. When I filed a complaint with ncdoj, I was accused by XXXX XXXX of just leaving the car on CarMaxs property.

Company response to consumer: Closed with explanation