vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 non-monetary relief
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: MD

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. 

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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX I was working with XXXX XXXX on an app for surfers and skaters and he wanted to open a credit card to use with XXXX products and services. He said he had credit and to open a business credit card he would use me as a guarantor since I had good credit. He told me that everything would be in his name and I don't have to worry about it. We go to the bank and we sign some documents, he provides some documents with the teller and they step away and they start to speak XXXX. I am told that XXXX would come back for the card and that was that. I received nothing in the mail I received nothing that TD Bank said a credit was open in your name, becuase I was led to believe that the account was opened in his name and he would get all the documents, there was not even a credit card issued for me. While searching for insurance payments on another legal case I decided to go on tdbank to see if I can access my bank accounts. XXXX and behold a maxed out credit with my name with purchases XXXX made ( personal not business ). I contacted XXXX about the maxed credit card and he lied saying that he just purchased a phone with it and everything is in his name. I immediately ended contact with him and proceed to contact the police report this as fraud and contact all 3 credit bureaus. I have made a police complaint on XX/XX/23 but till this day I never got the police report or a detective call me about the case. XXXX is still working on the issue while XXXX and XXXX said it was a joint account and told me to refile once I get a police report. TD Bank fraud would not let me access anything about the account and told me to go to the bank I opened it in. On XX/XX/23 I go there and they said that everything was opened in my name, and refused to provide additional information about other accounts it was tied to or the business entity itself of which I could not find online. They said XXXX was an authorized user. How can it be the primary owner was never issued a card but so called authroized user with bad credit is allowed to XXXX out the card and TD bank does not think anything of it. I am trying to find a lawyer to sue him but the resolution is to move this off my credit part and make XXXX XXXX the one responsible for the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Pertaining to Vehicle XXXX XXXXXXXX XXXX XXXX, Wells Fargo has been allowing XXXXXXXX XXXX XXXX XXXXXXXX family to unlawfully credit their account with XXXX. XXXX XXXX XXXX XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX from XXXXXXXX XXXX XXXX. 

The Correct tender has been sent to said party to correct for set off Several forms of written correspondence has been sent to Wells Fargo Auto, along with endorsed contract with tender or payment for full remittance. 

Wells Fargo has violated many consumer laws. 

1099a filing to the IRS was accepted.

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 2023-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Target Credit Card Application and XXXX Concerns Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding Target 's credit card application process and its implications for individuals with XXXX. I recently applied for a Target credit card and was subsequently instructed to upload certain documents to their website. However, I encountered several issues that I believe are discriminatory and violate the Americans with XXXX Act ( AXXXXA ). 
First and foremost, Target 's requirement for uploading documents online creates barriers for individuals who may not have access to the special equipment or the ability to scan and upload documents. This requirement effectively excludes a significant portion of the population from accessing the Target credit card, which is a violation of the AXXXXA 's mandate of equal access. 
Secondly, Target 's privacy policy regarding submitted information raises concerns about the potential misuse of personal data. The policy states that " All information submitted to us via the Services shall be deemed and remain the property of ours. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a user of the Service provides us through the Service. '' This broad and vague language suggests that Target may use submitted information for purposes beyond those necessary to process credit card applications, potentially violating individuals ' privacy rights. 
Finally, when I contacted Target to request reasonable accommodations for my inability to upload documents online, I was met with an insensitive and dismissive response. A customer service representative informed me that Target considers individuals ' XXXX that preclude certain tasks as a personal choice, a statement that is not only insensitive but also contradicts the AXXXXA 's clear provisions. 
I urge the Consumer Financial Protection Bureau to investigate XXXX 's credit card application process and ensure that it complies with the AXXXXA. Individuals with XXXX should not be denied access to credit cards or subjected to discriminatory practices due to their limitations. I believe that Target 's current policies and practices are unacceptable and require immediate attention. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: EQUIFAX, INC.
State: AL

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. 

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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, my savings account was forcibly closed and all interest paid YTD ( {$4300.00} ) was taken away. I called in on XX/XX/XXXX and the customer service representative would not explain why. I then called in on XX/XX/XXXX and tried to find out why it was closed. It was escalated to a supervisor named XXXX and she was no help either. She was not customer friendly. I asked where my money was and she said it would be mailed, but offered no date when I could expect it. I asked to speak to someone else and she said there was no one else. It been 2 weeks now and nothing been received. I am sure a bank of your stature does not have only CSRs running it. Surely, she could have escalated my concerns further. I am totally dissatisfied with your company. 
I sold my business and now have excess cash coming in and I wanted to put it in several high rate saving accounts. Periodically, I check my several banks and move money to substantial higher paying bank accounts. This is exactly what I did in XX/XX/XXXX. 
On XX/XX/XXXX, I tried to transfer out 2 transactions ( {$79000.00} and {$54000.00} ) and they were denied. I called in and explained that I was moving money to a higher paying bank and the customer service representative removed the block. The next day I was successful in transferring these two deposits to XXXX XXXX ( XXXX XXXX ). 
I did not receive anything in the mail about account closure. This would be the most appropriate way to communicate. Email communication would also work. Your company has both of these methods to contact me with. I did receive a voice message on my phone from the fraud department but thought since I did call in and your customer service representative removed the block, all was good to go. There have been no further communications that I am aware of. I felt good about your company since I have a GM Rewards card with you. I have been a customer of the bank since XX/XX/XXXX and feel I should not be treated this way. 
What I want is my money back, my YTD interested credited back ( {$4300.00} which I have earned ), and interest from XX/XX/XXXX to present. I did not do anything wrong. Please take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I entered into a financial agreement with CarMax, which included an interest component. However, I have recently come across information that suggests that I am in-fact entitled to a refund of unearned interest pursuant to USC 1615 , in the amount of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, I was contacted via my college email for an online job opportunity. I had assumed that this was a real business and that there would be no harm in joining this online business since I was contacted with my school email. Unfortunately, I was wrong. XXXX XXXX, XXXX, the employer, scammed me. He presented as a manager for XXXX 's Online Service Department. My task would be to handle customers ' order and ship their packages to their mailing addresses. In addition, I was promised to be compensated, weekly. The business started with me receiving a check, to deposit into my account and the employer, XXXX XXXX accessed my Zelle, XXXX, XXXX account. He made transactions on my accounts, sending out my money to his " suppliers ''. I did not authorize these transactions and I am seeking my money back. I wasn't aware of this until Thursday and tried to call him. He did not pick up nor return my calls. 

I came to find out that the check that was sent to me was fictitious. I was not aware of this until yesterday when I spoke with a representative from XXXX XXXX  regarding these unauthorized transactions. In addition, I just found out that the check ( when you zoom in closely ) states it is a voided check. I would like for you and your team to do further investigation on this individual, and all other parties involved should be held accountable. Please help me receive my full money back. I have provided a couple of documents as proof of this incident. If additional evidence is needed, I can provide it, such as text messages and transactions made. I was able to dispute my claims with XXXX and XXXX and will be funded on XXXX. I need your assistance to have Zelle refund me the stolen money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am trying to get car insurance. XXXX gave me an absurdly high quote XXXX XXXXXXXX. XXXX sent me an email that said that if I had an unusual life event that I could contact them. Of course XXXX doesn't give a XXXX XXXX about anyone. Its unclear if they got my credit report from XXXX XXXX or Lexis Nexis. I am also not sure where any of these companies were from say XX/XX/XXXX to XX/XX/XXXX, or even XX/XX/XXXX or even in this country or on this planet. I am personally sick of the way credit scores are used mainly to hike rates and charge me. Its this fake male patriarchy that decides who is in the A group and who, XXXX XXXX women who get put in the Z class. Why does all our life have to be decided by boys who social learning stopped around the XXXX grade. I told XXXX that I am XXXX, a woman, XXXX. I lost my contract job with the VA in XX/XX/XXXX and despite working at a bunch of jobs including now as a substitute teacher which I really can't do. I come home and my legs just hurt. They just do. But you know I am just not the only ones affected by covid. Whole families had a lot of difficulties. I lost five people in my family over two years starting with my mother. What exactly do these companies think is a disaster. Where were they? Charging absurd high interest rates on cars event though no one was driving. Its really time to do away with this credit reporting system. I think it is really biased against women, minorities and people who are non-white male. I never got into that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I filed a disputed for a package I returned to XXXX, and XXXX denied my refund claiming they never received the package. So I sent coinbase the receipt from XXXX showing the driver came to my house and picked up the package. The tracking number showing the package sucessfully returned and delivered. And I also asked XXXX to conduct an investigation, which they did and confirmed the package was delivered to the right address. And yet coinbase closed my case after telling me they would refund me my money because they realized their mistake. Now every time I call I get told there is nothing they can do and that I have lost my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief