vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Friday XX/XX/XXXX XXXX mobile deposit a check from my boss into my Hunnigton Bank account it was supposed to be cleared on that XXXX  but it was not I contacted them they stated that it was fraud because I had not mobile deposited a check in my account when in fact it is not fraud and the money came out of my boss account but they did not make the funds available on XX/XX/XXXX they said the funds would be available they was not available I received a letter with that date on it and still havent received I went to the bank I was told that they was closing my account and that the funds would be either sent back to my boss account or send me a check out none of this has happened the amount of the check was XXXX this has put me in a financial burden I have had to borrow money from family to pay my bills I couldnt get my children anything for XXXX all because they said it was fraudulent and it wasnt they didnt even verify the check with my boss bank before they said it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia finance has reported 30 day lates on my credit report to all XXXX credit agencies. They verbally told a dealership that I had multiple 60 day lates and that was the reason for credit denied. When I called to extend my lease so that I can figure out how to get another car they denied me and said I have multiple 60 day late payments. I have never paid 60 days late and my credit reflects this as well. They had a glitch in their system online when you made a payment. If you changed your account information it would revert back to old account. This is hurting my credit and I have been unable to get a car. They are telling other dealers that I have multiple 60 days. I do not. They also block you from their website to make payments online when their system glitches because of payment section issues and payment doesnt go through because it reverts to old account information. Their are millions of complaints about this company and they need to be investigated

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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Dear Sir / Madam, I refer you to Coinbases response dated XX/XX/year>, in relation to the above-captioned subject. In that letter, they declined my complaint. 
Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps XXXX ) belief in the system, I had high hopes for Coinbases letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates XXXX XXXX Practices, which call me to defend my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
DONT RECOGNIZE INQUIRY ON REPORT : XXXX ) XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX 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

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 2024-12-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The company in question here XXXX XXXX XXXX XXXX XXXX XXXX claiming to be representing Cavalry SPV I , LLC who was claiming to be representing XXXX XXXX  XXXX XXXX, has recently served opened documentation containing my personal information as well as false claims of judgments and debts against me with an order of wages garnishments to a place of business where I frequent which may or may not necessarily be my place of employment and even if it was, they have violated my rights. Both companies have been harassing me for many years without meeting my requests and this must stop. They are trying to collect a debt supposedly dated prior to 2012 which may or may not exist and may or may not belong to myself as they have never provided me with proof of veracity of such debt neither they have been able to proof evidence of such debt matching my identity despite several requests from myself and from my attorney asking them to provide us with the original documentation and/or acceptable evidence of their claims. They have gone as far as filing a judgment in 2012 against me which I was never served for nor they have any rights of doing so without substancial proof of their claims. Their latest actions have gone too far! They have recently served opened documents containing my personal information an the claims of the debt, to a place that may or may not be my place of employment trying to garnish my wages, causing me a lot of aggravation and also violating my rights. These 2 companies have broke many laws which are made to protect consumers and they must be stopped! By the amount of complaints filled against these companies, is pretty clear that their existence depend solely on predatory business against consumers and collections thru force and harassments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The creditor has committed a FCRA violation due to reporting in accurate information! According to Section 623 of the FCRA and Regulation V that a furnisher must not furnish inaccurate consumer information to a CRA!

The creditor reported a 12 month trade line to be an opened for four years! 
The creditor is reporting that the trade line was open in XX/XX/XXXX and that it was closed in XX/XX/XXXX for a 12 month loan term. 

From XX/XX/XXXX until XX/XX/XXXX the creditor has reported no data for those months! 
Due to these violations and inaccuracies, this is also interfering with the correction timeframe of when this account should fall off my credit report according to the FCRA. 

The trade line technically should have been closed in XXXX and not XXXX!! 

Therefore, due to these FCRA violations and inaccuracies, I am requesting for this account to be removed from all credit reports!

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: PA

Complaint narrative:
Albert Genius is an application I had on my phone many months ago that offered a subscription for services. I linked my checking account and savings account to the application but later removed them and supposedly canceled my subscription. I found out by looking at my bank account that theyve been taking money out of my account for months without me knowing. I had my bank submit a claim which was denied and a stop payment on the checking account. Now I see they are trying to take money out of my savings account too. I dont understand how they can do this since I delinked both accounts and receive texts from Albert saying they lost connection to the accounts. So how are they still withdrawing money from my account? 

They dont even show where you can cancel the subscription on the application. The company took {$100.00} out of my checking account over several months and {$44.00} out of my savings account since XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a NetSpend card at XXXX XXXX and I added {$400.00} to it and then when I went to activate the card it directed me to customer service and customer service said that I can not open a account with them and that I can't use my money and I put my money on that card because I needed to take a plane to go see my grandma 's funeral and I couldn't even attend that because of this situation it broke my heart and broke everything that I had I loved my grandma and I couldn't do it because all my money went in that card and I wasn't able to use it and so they said they can send me a refund check which was not good enough and it's been over a month and I still haven't got my check I'm devastated still from all this that happened to me I didn't get to see my grandma that killed me inside all because they said I have too many accounts open if that was the case if if there was a limit on how many accounts I can have then why would they sell so many at XXXX XXXX  why can you why are you allowed to purchase as many as you can that broke me.

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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMERICAN EXPRESS CARD SENT ME A CREDIT CARD OFFER FOR MY BUSINESS. I APPLIED WITH MY XXXX SCORE AT XXXX WITH XXXX XXXX AND XXXX BALANCE ON ALL ACCOUNTS. AMERICAN EXPRESS CAMR BACK SAYING IT WAS DENIED AFTER SENDING ME AN OFFER TO APPLY. PLEASE FIX THIS CROOKED PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
The problem with Affim is their marketing ; the credit was market as a CFA but turned out that they reported as a XXXX  which causes the age of my credit to drop accordingly which reduces my credit score dramatically.

No other reason for credit denial was given by other creditors. 

You MUST stop this deception

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I had insurance on this card that if I lost my job or had financial difficulties it would make payments. 
First the limit was only {$300.00}. I lost my job due to XXXX and contacted the company. Provided documentation they requested and they were to handle the payments. Now years later they want to come after me and threaten me with legal action if I dont pay over double what the limit was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My loan accounts are shown as closed, but I have a balance of {$53.00} total. XXXX loans are still open with XXXX and they have not reported the correct information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam : I am writing to dispute the following items that are appearing on my credit report, which I believe to be inaccurate : XXXX. XXXX XXXX account information XXXX XXXX XXXX XXXX  account information XXXX. XXXX XXXX XXXX account information Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I demand that these items be deleted immediately as they are inaccurate and/or unverifiable. 

For the XXXX  XXXX account, the report indicates the account was " Paid in settlement. {$470.00} written off. '' This account appears to have been misreported as a charge-off when, in fact, it was resolved through a settlement. I request that this account be updated to reflect the accurate resolution. 

Regarding the XXXX XXXX XXXX account, the report indicates a {$330.00} past due balance as of XX/XX/XXXX. However, I have no knowledge of this debt and believe it may be the result of identity theft or an error. I demand that this collection account be removed from my credit report if it can not be verified as accurate. 

The XXXX XXXX XXXX account also appears to be a collection account for {$6900.00}. Again, I have no familiarity with this debt and request a full investigation. If this account can not be verified as accurate, I demand that it be deleted from my credit report. 

As these items are negatively impacting my credit, I would appreciate your prompt attention to this dispute. 

Thank you for your assistance. I look forward to your response.

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 2024-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-12-30 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: MI

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my consent or authorization. 
Accounts to be Blocked and Deleted : XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX  XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$8100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$53000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$44000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$7600.00} Inquiries to be Blocked and XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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