vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA has violated my rights in credit reporting. There is an old account from XXXX on my credit report that has inaccurate missed payment dates, inaccurate and missing ( many years ) of on time payments, inaccurate closed dates with each bureau. I have just found out that they are picking and choosing what to report to each bureau and leaving out many years of on time payments. This is a gross legal violation in credit reporting. This is grounds for removal. 
They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Interstate Credit Solutions, LLC
State: CA

Complaint narrative:
Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by interstate credit XXXX and their sister company highway motors inc. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$700.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
My wife XXXX XXXX went to a Branch of Navy Federal Credit Union in New Jersey, over there they says you're very nice and helping a lot of people in need, so we will have to pay {$5000.00} plus {$3600.00} for the Wedding Certificate, and they gave a Document I'd like to attach with this message, as I have seen I paid {$8700.00} to Tax manager XXXX XXXX as instructed by you with the receipts. Why do we have to pay one more time at the Credit Union? anyway I reported to the U.S. Treasury Inspector General for Tax Administration ( TIGTA ), to arrest Tax-fraudsters already, who will be liable to pay {$5000.00} + {$3600.00} + {$1500.00} = {$10000.00}? 
So if the Navy Federal Credit Union won't be able to respond properly, I will file a complaint to the USA Financial Ombudsman and someone will pay an interest rate of % 8 on the amount of $ XXXX according to laws of The US . 
This is a deceptive scheme to delay my funds to my XXXX XXXX XXXX XXXX Account. No Financial Business charges fees like that. 
so please sort out this matter as soon as possible if not it is too late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by capital one. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$3600.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
On Wednesday XX/XX/2022, I fell victim to a scam call that started around XXXX and lasted until about XXXX. During this time I was put under a lot of stress, manipulations, threats, intimidation from the scammers ( man & woman, although man was doing all the talking, the woman was making commentary in the background ) to the point that I was coerced to send them money, {$5000.00} ( two separate payments of {$2500.00} ) was taken out of my checking account via XXXX. 
The con artists called me from this number XXXX. The money was transferred to someone named XXXX XXXX who apparently is enrolled at receiving bank institution as XXXX XXXX XXXX XXXX XXXXXXXX " I called the bank to report the fraud as soon as the phone conversation ended and soon after I also reported the incident to the police. The bank representative mentioned via email that it was unlikely that I would receive funds back.

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 2022-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # 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 instruction.

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 2022-06-23 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: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX  XXXX card XX/XX/XXXX is paid in full I asked if they would remove this they didn't even report it closed it's still open. And it's on my report twice. As potentially late. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I paid it of still on my report showing potentially late XXXX paid still on my report XX/XX/XXXX paid XXXX XXXX  XX/XX/XXXX still showing potentially late and it is paid XXXX XXXX adjust paid still showing potentially late and open. 
XXXX XXXX paid still showing potentially late and open XXXX XXXX card still showing potentially late and open it is paid XXXX I'd over seven years and it still on my report. Inaccurate information which one was it repossessed or volunteer return. It was XXXX XXXX XXXX AND XXXX haven't sent me nothing! They are just on my report. Nothing! XXXX XXXX pay day loan, but I have received no validation notice XXXX paid no validation notice XXXX XXXX XXXX information inaccurate paid off. Still showing potentially late XXXX XX/XX/XXXX paid still showing potentially late. And no validation notice

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 2022-06-23 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: CA

Complaint narrative:
A friend transferred me money because I had a personal emergency my account is frozen has been since day XXXX XX/XX/XXXX never received money I called I chatted I emailed I verified everything they asked still no money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. 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 non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc.
State: CA

Complaint narrative:
Wisely card that i had was stolen and im trying to get wisely to send me a replacement card to my address were i live in XXXX XXXX my address on my license have a out of town address so they can send me a card because the keep telling my they have not received my new information when on XX/XX/XXXX and XX/XX/XXXX the sent me a link to upload my license and my new address but when i call they say that dont have it my employer up dated my information also i keep asking for a temp card for my pay check is still on the card my bills are due i have to pay my car note i need help when i call today the man agent just stop talking to me and hold the phone i had to call back i got XXXX and she cant help i ask for a supervisor and the line dead what can i do to get my money from Wisley card service at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am currently banking with chime. I started to see funds that I did not authorize being taken out of my account on XX/XX/2022 through third party accounts such as XXXX and XXXX ( which I have personally shopped with ) and online retailers that I have not shopped with before. I never received my physical debit card with this bank and only relied on the one you can view in the app. I reached out to XXXX  which I instantly noticed reoccurring payments being placed and was advised via phone to allow the transactions to go through then settle it with my bank as it could possibly affect my good standing account with them while it get sorted out. XXXX is a company that allows you to buy items and pay for them every 2 weeks until it's fully paid off by 2 months. During this time, I was experiencing personal issues with harassment from work and a death of a friend which hindered my ability to fully monitor what was happening. Ultimately, I had {$970.00} of unauthorized transactions with my chime checking and {$45.00} on my chime credit to be missed. I reached out to chime. I explained to them that I never received my physical debit card but, I did have my credit card physically on me in my phone casing at all times. They did a dispute, gave me a credit of {$45.00} for my chime credit within a day and denied my debit unauthorized charges twice even with the limited proof I showed them in regards to reaching out to my store manager and store lead to possibly pull up cameras as that the only place I go to aside from work. It took them 8 days to give me documentation on why they denied my claim which I had to update them on after not hearing from them after 7 days. In the documents, they stated that the charges was reoccurring which XXXX is a reoccurring charge and also that I said my checking debit card was stolen which I never said. I stated it was never received. They also stated that my chime was attached to these companies database and looked similar to my authorized transactions which don't make any sense given that card information is indeed normally stored to sites like XXXX and XXXX. They did not uphold to regulation E as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
In XXXX I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
In XXXX  I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A credit card was opened in my name with XXXX on XX/XX/2022. Experian has " investigated '' and said that XXXX confirmed the information to be correct which it can not be as I have contacted XXXX and they have an open investigation open. They told me they tried to change the address on the account to somewhere in XXXX, I live in XXXX XXXX  and my previous living was in XXXX XXXX and XXXX XXXX. I never applied for credit or checking or savings with XXXX and I don't understand how this information could have been verified with an ACTIVE FRAUD investigation underway.

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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened a TD bank account with two of my stimulus checks while I was in a XXXX  program at the time I made account witch was on XX/XX/2021 not long after that I was able to have my visit with my son so once a week on Tuesdays I would have my son 's father oder me an XXXX with my card after my third visit someone hacked into one of three thing his cell phone our wifi or stolen my online information and got into all my accounts was making purchases wier transfers ect with my card but my bank card was in a safe locked up by staff my son 's father I them to him once and he deleted the information right away he said so I completed XX/XX/2021 after a 90 day program and returned home where my paper statements were sent to none were opened On the sometime that week I took XXXX out for rent and back rent not a problem Im doing my classes for the courts and all the sudden when Im about to complete them someone locks me out all my accounts I went through about 33-50 email address as soon as I got one they would steal it and lock me out so I finally get back into my account after a month or so I had emails and complaints filed against me foXXXX XXXX XXXX and a bunch others FYI ( I don't have a license I haven't since I was XXXX ) So now someone has my identity and changed my mailing address to obtain my identity credentials so I get my statement and I go up to TD and say something about XXXX so the gave me back the XXXX that was taken from my account so I get my next statement in I start going through everything I see all together someone yet again after I put a extra security lock on it stole close to XXXX my son 's father was XXXX since he was on the account to now that someone could just take our money and TD said there was no signs of theft but this person made two online accounts and after we locked the account down TD refused to reimburse us now this is two years later and after doing my own research it seems to be published in a law news paper the same person who paid my son 's bail has a relative or sibling who works for the TD bank the real estate department I could have really used that money to afford a real lawyer for my case now I just want justice with it because for close to almost 4 years now this person has targeted me and yet nothing has been done about it the only reason I can see is either she has money or she is an ex girlfriend of my son 's father who had it out for me I'm an American us citizen a XXXX XXXX and just trying to get my life back in order from the mistakes I've made in the past because I tried my life around for my son I'm being set up for something I never did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a membership that I pay for with Experian for XXXX XXXX XXXX  # XXXX. On their portal, they have tabs for several partner offerings. I was viewing loan products and had no intention of applying. Just curiosity on my part. My credit is also locked and has a fraud alert on it as well due to a possible breach in the recent past. 

I started receiving a barrage of emails ( attached ) from lenders such as XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX indicating I am not approved for a loan. 

Again, I did not apply for a loan and at no point did Experian 's website indicate that I was applying for a loan or ask for my consent to apply for a loan. 

This is blatant misuse of my information and total failure of transparency. Especially given the fact that my credit is subject to a fraud alert. 

I tried to contact Experian by email and was instructed to call. Then tried to call and it was impossible to speak to a person. Their automated phone system kept looping me back to their very restricted options.

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 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion reporting student loans Department of education/XXXX XXXXXXXX {$4500.00}, {$4000.00}, {$2600.00}, {$2300.00}

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 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I scheduled 3 payments of {$200.00}, {$200.00}, and {$80.00} to be made to my Navy Federal Cash Rewards Visa on XX/XX/XXXX. Only one payment of {$200.00} reflected as paid but my balance still showed {$490.00} on XX/XX/XXXX. Navy Federal reported to XXXX, XXXX and XXXX I had a balance of {$490.00} of my {$500.00} limit causing my credit score to plummet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to Privacy XXXX dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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