vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had a Kohl 's department store CC since XX/XX/year>. Received by mail information that a new credit card is to be issued by Capital One XXXX. I did not request nor did I want this new card. I inquired with a manager at a Kohl 's store who told me " just don't activate the new card and you can keep using your old Kohl 's CC ''. I did not activate the card nor did I authorize CO to open this in my name. 
I did not use this card, authorize it nor activate it. I received a bill from CO for the amount that I owed Kohl 's CC with a new account number. I contacted the phone number on the back of the card and attempted to speak with someone who I could not understand due to a language barrier. I requested another person and was denied this. I was told ( to the best of my understanding given the language barrier ) that I need to cancel the CO card and reapply to Kohl 's for company card. 
XXXX, this is fraud. CO did not have my consent to open a new line of credit in my name and to rectify this I would need to cancel the CO card ( affecting my credit score which is XXXX ) and reapply. This is reckless behavior by the CC company. 
Through social media I learned that I am not the only one affected and many people are experiencing the same. Tried to contact Kohl 's but was on hold over 30 minutes 2 x.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. ( Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. ( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I previously opened an account with Santander Consumer USA to finance car with XXXX on XX/XX/XXXX. The car was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I had no record of late payments, unpaid payments or any negative impacts during my time with this company. I later exchanged my car in XX/XX/XXXX for a newer XXXXXXXX XXXX XXXX and the payout was completed through the companies ( XXXX and Santander USA ). I have had my XXXX XXXX rogue sport for 4 years now and Santander Consumer USA has reported that the last payment for the XXXX XXXX was not paid. I have asked for paperwork and/or some type of documentation showing that I owe after 4 going on 5 years. I never received any proof. I then asked them for a goodwill removal on XX/XX/XXXX and I did not receive any answer back. My final attempt was XX/XX/XXXX, where I sent a letter to Santander requesting for a removal and it is now way over there XXXX day period. I have also called Santander on numerous occasions and they were not helpful at all with trying to settle this issue and to have it removed from all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I requested a credit balance refund that is owed to me and is my right to request a credit balance refund under 15 USC 1666D treatment of a credit balance any over a XXXX is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: GA

Complaint narrative:
Experian/XXXX and XXXXThese 3-credit bureaus are reporting fraudulent inaccurate information on my credit report. They also have old addresses and wrong names on my report. This has affected me adversely it's not until I pulled my report recently when I discovered that the information on my report was inaccurate : Wrong names Wrong address Wrongs husband 's names Debts that I was not aware of.

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 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2024 at XXXX a transaction amount of {$350.00} was processed through CashApp through my XXXX Debit Card ending in XXXX for the above fraudulent amount I did not process this charge. I did not approve of this charge and do not know who the recipient of said charge is. Have XXXX clue or dealings with the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These first two companies, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX were not authorized to do a hard pull on my credit report. This companies, XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I do not recognize at allXXXX XXXX These companies I do not recognize, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX TransUnion

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have viewed my credit report and found some errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account with number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above account have different and conflicting errors when checked on three credit bureaus, All of the above account has either been closed by the creditor or by the consumer himself and there is no basis for all these wrong information to stay on my account .All these hinder my ability to buy a house so please investigate these errors and removed the late payments and any closed accounts if can not be verified

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have viewed my credit report and found some errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account with number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above account have different and conflicting errors when checked on three credit bureaus, All of the above account has either been closed by the creditor or by the consumer himself and there is no basis for all these wrong information to stay on my account .All these hinder my ability to buy a house so please investigate these errors and removed the late payments and any closed accounts if can not be verified

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 2024-10-20 00:00:00
Product: Credit card — Store credit 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: AZ

Complaint narrative:
In XX/XX/year> i was called by Nordstrom credit card company, stating that my account was delinquent. I spoke to two representatives in the credit department on XX/XX/year>, from XXXX. I told them i had not received any billing statements for these " past due '' amounts. I was told that the billing statements had been sent to my home address and emails. None of which was true, but I agreed to pay the balance, less a {$40.00} late fee, per the representative. He told me to pay {$440.00}, then they would adjust the {$40.00} late fee off of my account, but I had to pay the bill in full first. I paid thru my XXXX XXXX XXXX bill pay on XX/XX/XXXX, XXXX. I never got any statements, nor was I able to log into my Nordstrom account on-line. On XX/XX/year> I was denied on a XXXX credit card application because Nordstrom has reported me past due on payments. I have no letters, emails or statements from Nordstrom until today, XX/XX/year>. I received a past due statement in my email! What kind of scam is this? I get no bills until ther report me delinquent and trash my credit history and score? This does not seem right. 
I moved to XXXX in XX/XX/year>, and I explained that to the representative in XXXX. 
I have a XXXX XXXX and use XXXX XXXX to communicate to the US. 
No mail has been sent to my US address and no emails, so how can they just report me delinquent when there is no record of charges, and or adjudication after my XX/XX/XXXX payment? 
The last time I spoke with them, they told me that they don't keep recorded conversations or communications, but I am supposed to know when my account is delinquent? How can they tell me there is no record of mailed billing statements? How can that be? This all seems like it is set up to " catch '' creditors. I would like an explanation of my charges, since nothing has been sent to me personally. They were paid in XXXX, what happened between then and now? I have not used the card or charged anything, since it is not in my possession. This is so unfair credit practices if ever there was!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter in a mail with a new debit card for a checking account that was fraudulently opened in my name. I have recently been a victim of identity theft. I have tried contacting the company through multiple numbers but I am unable to get through to a customer service person and was stuck in an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XXXX of XXXX  I had tried to transfer money from my Marcus savings account at Goldman Sachs to an external account at XXXX XXXX. It was a small amount and generally would be transferred in a day or two. The never transferred from Marcus to XXXX but I did see that the transaction was reversed ( or didn't go through ). 

I didn't really think much of it and funded my money from a different account and went on with life. 

Fast forward to about XX/XX/year> and I saw that my account at XXXX XXXX XXXX XXXX charged me for an insufficient funds fee when I had a monthly payment deducted from that account but didn't have enough money to cover it. Upon further investigation I realized that Marcus by Goldman Sachs hadnt sent my pre-existing setup monthly transfer from Marcus to XXXX. 

I called Marcus to let them know about this issue I saw and they told me my account was frozen. I said how can you freeze my account without notifying me about it by making a warning message or alert when I logged in to their account online either via web or their app. They couldn't explain it other to say " we called you but you didn't answer ''. 

I told them I never received a call and didn't think it was right they could freeze my account without making me aware of them doing that since I had been a customer for many years and I had a monthly transfer setup to XXXX for about 1-2 years without prior issues. 

I asked them to refund my fee from XXXX since it was their fault they didn't transfer my money. They asked me to get the following information and mail it to them, which I did : Statement, my last name, purpose of fee, etc Goldman Sachs bank USA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Case : XXXX ** Mailed on Tuesday XX/XX/year> from XXXX XXXX They ended up denying my request for reimbursement. I called them up and asked them why and they said " because we had called you ''. I reiterated to them that I never received a call nor did I see any warnings, statements, us mail or alerts that my account was frozen. They said sorry this decision was final. 

I voice my frustration with the person on the call but literally felt like Goldman Sachs is making XXXX  of dollars in their banking services but can't even refund a long time customer for a fee that was the direct result of an action they took on my account without successfully notifying me of an issue. 

Today, months later, I was watching a XXXX show about a bank called XXXX and people being scammed and they suggested to contact the XXXX XXXX  for help. I thought maybe there is something like that in the USA where I can get help and did a search and found the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Upon checking my personal EXPERIAN account, I realized that I have incorrect information in my credit report. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. There is a record of late payments and that is not correct. 

According to consumer protection, EXPERIAN is violating the following laws : 1. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

5. It should be noted that the dates on which the alleged late payments are being reported coincide with the date on which the covid-19 pandemic began, violating a very important law which is the ''The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( 2020 ) '' The dates on which the incorrect late payments appear are described in each account as follows : Account # XXXX dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, date : XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

EXPERIAN must respect consumer protection laws and assume its responsibility to take care of citizens and not take advantage of wanting to benefit from inaccurate information.

This is not the first time I have tried to contact experian and they have not shown any interest in resolving the errors they are making and are affecting my credit history.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I have been a customer with Nissan since XXXX and this is my second car with them. I began to lease my XXXX Nissan Rogue sport in XX/XX/XXXX and throughout that time I did not have any issues with payments. At the end of XXXX I had lost my job and I had to relocate therefore the payments fell behind for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After that setback I was able to catch up on payments and regain a good payment history. I then moved to Ga and in XXXX when my lease was up on my XXXX Nissan rogue sport, I took it to Bella Nissan of XXXX XXXX to refinance my car to keep it. During that process I am not sure what happened but I then received a notification for another late payment for XX/XX/XXXX. I called Nissan Motor acceptance and they stated that this was an error and that I should reach out to Bella Nissan to have them send a letter to them stating the mistake. I called Bella Nissan as I was told and then proceeded to follow up with Nissan Motors. Per Nissan Motor, the rep stated that It would take at least 30 days to update but there has been absolutely no change. I have called and written letters to Nissan Motors for this issue on multiple occasions. My last attempt was a letter requesting adjustment for the late payments. I did not get a contact back and it is over the 30-45 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
They are putting collections on my credit report and i have no idea what they are and they never have anything itemized!! Im first off in XXXX  XXXX bankruptcy and the hospital that i used was using and old insurance instead of the newer insurance to collect amounts which i have had the new insurance for a year! I have finally have resolved the insurance debacle with the hospital but i have no idea what was ran through old insurance!! I want these removed off credit report until the this is resolved period!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding a loan from Uprova Credit , LLC, a tribal lender, with an APR exceeding 500 %, which far surpasses Georgias legal cap of 60 % for consumer loans. The loan terms require repayment of over {$4000.00} for a {$1200.00} loan, which constitutes predatory lending. I believe the loan violates XXXX usury laws and consumer protection statutes, and I request an investigation into the lenders practices and relief from the loan.

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 2024-10-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX my credit report and I saw fraudulent accounts open on, my name I never apply or have any business with this creditors, this accounts have to be removed XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation