vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I have received your notice that you have bought the alleged debt. Once again you are impersonating a creditor. If XXXX stated NCB MANAGEMENT bought the debt and RISECREDIT closed account and removed from their system you bought the debt wouldnt that be considered your debt you are liable for. Your company not only bought the debt but obtained my personal information without MY permission. I do not know you neither went into business with you. This is identity fraud. I am the grantor of the credit I extend my credit which makes me the? I have a right to privacy in my personal transaction! You are damaging my credit! You did not send me a request to access my credit account neither did I give you MY personal information. Your company has my personal, private information that should only be obtained if I give the company the right to do so. You are NOT a company I ever did business with. I will file a IRS 3949a form on NCB AS WELL AS XXXX AND XXXX for not doing a proper investigation and not getting my consent to furnish fraudulent information to my credit account. Do your company read laws on securitization and XXXX ACCOUNTING? This is redundant and I have sent multiple notices to you to cease and desist all collection activities and remove from my report due to identity theft because I did not give you my personal information which means you got the information fraudulently. XXXX is in violation as well for selling my personal information to an unknown 3RD PARTY. You are not the creditor neither did I give NCB management my information. XXXX closed this account you bought the debt YOU are liable! I DO NOT KNOW YOU OR YOUR COMPANY thats damaging my consumer report! Have you read the privacy act, or fair debt collect practice act even ftc laws! You are in violation and could face criminal charges if you proceed! I did NOT do business with you so you shouldnt have my PERSONAL information! Thats identity theft and impersonating a creditor is fraud! YOUR COMPANY JUST SENT ME A LETTER STATING A data breach in your system. NOT ONLY DID YOU OBTAIN MY INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT NOW YOU HAVE PUT MY PERSONAL INFORMATION AT RISK DUE TO YOUR COMPANY NEGLIGENCE! This is how your company operates than you should be shutdown immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 15 U.S.C, 1681section 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 an 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 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I was informed a week and a half ago by both XXXX XXXX and XXXX XXXX that there was a new hard inquiry on my credit report by XXXX. As I looked into it, the inquiry was from an unknown bank that I have never had any business with. Reverse searching the address and phone number on the inquiry led me to Genesis FS Card Services. 

I emailed the two emails I could find on their website informing them that I have never and will never have any accounts with them and they did not have my authorization to run a credit inquiry. They provide three types of Mastercard credit cards, which I have none. 

After my original email, I had to email twice more because they had a purposeful typo on their website with their email link that made it undeliverable. I had to fix the mistake and resend it to two different addresses. Their customer service is non existent. 

I have already filed a XXXX complaint over this issue and now I am filing a complaint with the CFPB. 

I have NEVER done business with this institution. I have NO accounts with them. I am seeking NO new accounts with them. My most recent financial account is 2 years old and with my own credit union, so there was absolutely no reason for them to run a credit inquiry. They refused to response to multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
i opened an account with citizens bank due to an advertisement that stated i would receive XXXX for each checking account that was opened if qualifications were met, ( deposit amounts and direct deposit etc. ). I met qualifications and was supposed to receive XXXX for each checking account. I confirmed twice that i was supposed to receive these funds ( screen shots attached ). I have spoken to several people, including a branch manager in Delaware, named XXXX. She promised she would get back to me about the issue. I sent her the screen shots where i was promised the XXXX per account. Ive left her voicemails but she has yet to respond. It has been months. I want the XXXX per checking account I opened. I was promised these amounts and moved my money over to citizens bank on the assumption they would make good on their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/23 my vehicle was totaled in a car accident. I began the process with having my insurance handle their end, started the process with my Gap and notified Capital one so they could submit the needed paper work. I also called capital one ( all recorded on their line ) many times about getting back my XXXX that was through the same company as my GAP. They kept telling me it needed to wait 60 days and I would get it from them directly. Yesterday XX/XX/23 I called again to check up on things. Only to find out that they never used my Gap insurance even though the process had been started. They took the money from my XXXX after my insurance paid them and applied it to my balance. I found a notice in my junk email from Gap about this. I financed my GAP and XXXX and paid intrest on these items in my loan. It states no where in my agreement that this is allowed. When I asked for a copy of their policy and procedures saying they could do this, they refused. So Gap denied my benefit coverage. There was nothing left to pay and I was out almost XXXX that capital one kept telling me I was going to be getting. I desperately need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This case was originally filed under XXXX and subsequently under case XXXX. 

Under case XXXX, Bank of America closed the case but the plantiff has never received Bank of America 's explanation with respect to the lack of terms and conditions. 

NUMEROUS phone calls to Bank of America have never been returned. Bank of American has never explained the lack of terms and conditions necessary for foreign currency transactions. 

Plantiff is requesting bank 's response to 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company did not do in properly investigation. Keep responding back saying verified with no supporting documents on how they come to that decision. So I included attachments that's supporting the inaccurate accounts.

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Between the dates of XX/XX/XXXX and XX/XX/XXXX, I was in the process of getting a loan. I reached out on the internet and started working with what I thought was a company named XXXX XXXX. Turns out it was scammers pretending to be them. They sent me a contract showing me what my payments would be and had me sign via e-signature, thru docu-sign. They even presented a copy of a check with my name on it, telling me it would be deposited into my account. Then someone called pretending to be Chase bank, asking me to verify my account information. The phone caller id said it was coming from Chase bank. I was later shown cashiers checks from Chase and told that we needed to transfer some money back and forth between my account and theirs in order so they could deposit the loan as well as any money transferred from my account. These scammers had me put money on my XXXX XXXX card and transfer from it, reassuring me that the cashiers checks would be deposited. When XXXXXXXX XXXX  stopped working they said it was a technical problem with their system and that I would need to go to XXXX to finish the process. They sent me a bar code to scan and I used my debit card to send it. Chase said they will not refund any money since I participated in this. Chase also allowed the scammers to reverse almost $ XXXX in ACH payments without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes TransUnion, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e TransUnion, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Consumer Credit Transaction with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Equifax. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned Consumer Credit Transaction, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, Equifax, and XXXX ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe my identity was stolen as part of the XXXX XXXX ( FL ) Elections Office security breach due to cyber criminal activity because I have received multiple letters from banks asking to supply personal information for credit for which I have not applied. 

On XX/XX/2023 I managed to speak to an actual person at Experian to update my information with them. However, there was an issue with their system, and they could neither set nor issue a security freeze PIN. They told me to call back. Today, XX/XX/2023 I can not get past their automated response. 

We all know that credit scores and credit bureaus are an institutionalized form of discrimination. They have only come into existence recently and they are bull but they have a strong lobby, and line politicians ' pockets and stay in power, and " relevant ''. However, since we have to deal with them, the least the CFPB can to do protect consumers, is to make sure that the credit bureaus have an easy way for people to get thru to a LIVING HUMAN BEING on more than one occasion, on consecutive days, in a way that's reasonable, and within a reasonable time frame ( 3 minutes or fewer ). 

Seriously, what if I didn't have a computer, or had a XXXX where I needed actual help and couldn't use the phone?

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal is increasing its harassment of ouXXXX XXXX XXXX XXXX XXXX by, out of the blue, demanding incredibly personal, private, intrusive, invasive, illegal, unethical, immoral, and unconstitutional documentation, data, business records, financial records, and other information in order to ( 1 ) release our money that they have stolen/withheld and ( 2 ) continue allowing our clients to process their credit card payments thereon. This bait and switch, hitting us when we are in the middle of using their services and thus dependent on them to number one release our XXXX XXXX XXXX XXXX fee money, is beyond the pale, in terms of bad business practices, deceptive business practices, extortion, blackmail, threats, harassment, obstruction of justice, tampering with our small business, sabotage, terrorism, invasion of privacy, and other criminal, ethical, and moral transgressions. Please immediately and urgently investigate and advise. 

Release our funds, stop harassing us arbitrarily and capriciously, and let us continue to get on with the day to day running of our XXXX XXXX small business without XXXX, interruption, harassment, sabotage, disruption, and terrorism by PayPal Risk Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
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: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX I bought a new XXXX. US Bank offered me some incentives if I financed a part of the purchase price. As such I financed {$42000.00}. I made one payment and paid off the loan in XXXX of XXXX. I did not realize that US Bank didnt remove their lien until the next year. I contacted them and they said they would send me a notarized lien release. I never received it. When I called again I found that they sent it to the wrong address. Since then I have been trying to get the lien release. Since XXXX I have called them and they have told me they will file an electronic lien release. After waiting to get my duplicate pink without the lien I went to XXXX. They said they never received it. Since XXXX of XXXX I have called the bank over XXXX times. They then told me there was a hold on my title. I personally went to XXXX and they said that is false. I have emailed, written, called US Bank all without success. My last call was last week when I was told that they were escalating my claim to another department, but refused to give me anyone I could call. I tried to sell my car so I can buy a new car and cant. I got a XXXX offer in XXXX of XXXX for {$54000.00}. As of today the offer is only {$44000.00}. I took money out of my investments to buy a new car but now I have TWO cars with nowhere to put them. HELP!

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed.

Company response to consumer: Closed with explanation