vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was scammed. Someone open an account with PayPal using my information. And I didnt know anything about it until XXXX  sent me an alert regarding an account thats over. And when I checked it was open XX/XX/XXXX with XXXX dollars. I know nothing about.

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 2023-09-24 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: NY

Complaint narrative:
My complaint on my equifax Credit report theirs is negative items that shows 3 months past due the account is a fraudulent account it supposed to be removed from my report I have filed a federal trade commission identity theft report on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
At end of XXXX Cap One called to ask questions about my account activity, specifically the XXXX payments I received. I have never had a bank call to ask personal questions about my transactions, I was quite taken aback. Apparently they did not like my answers when they started questioning me about names and their phone numbers. Next I knew, when logging into my account, there was a message stating " Your funds are currently not available for withdrawal. '' Please call us at XXXX regarding checking and savings accounts. I tried calling, sometimes three times daily, but always got a voicemail, which said Leave your information, and we may call you back in 48 hours. That has yet to occur has of today XX/XX/XXXX. 2023. 
On XX/XX/XXXX I received a letter with my savings account balance. No mention was made about the checking account balance. I continued to call, and when someone answered ( rare ) I was told the account was still under investigation, and no information could be provided. I continued to call approx 4 x weekly, and have kept a diary of those attempts along with the multiple numbers I called. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Chime Financial Inc
State: CA

Complaint narrative:
I was going through my XXXX and viewed a chime direct deposit letter sent from my to my XXXX when I am on XXXX with Chime bank I asked them when they reopened my account after being closed for a year was it safe being they closed it and opened it back up with my same account routing and card after a year I use to spend countless hours adding I couldn't figure it out until today my Chime bank & XXXX XXXX  has been robbing me blind but some one is controlling my money giving me credit and I couldn't get help I closed my Chime savings account I was being robbed online banks just say nothing 's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
In 2023, I have received two Prepaid Mastercards from BlackHawk Network ( BHN ). 

The cards came to my email, XXXX, because I had requested them as virtual Prepaid Mastercards as they are convenient to use online. I am physically XXXX, needing a paid assistant routinely. 

The first card ( {$79.00} from XXXX ) had no issues. The second card ( {$48.00} ), however, has generated errors since XX/XX/2023. The error reads : " Oops. There's an error on our side. Please try again soon. '' ( see attachments ). 

The redemption code for the second card is : XXXX Instead of repairing their error, BHN has made both cards invalid now. 

According to XXXX / XXXX, many people are still seeing the same errors, not just me : XXXX XXXX XXXX XXXX Against my wishes, BHN claims : They had mailed two physical cards on XXXX XXXX XXXX 

To date, I have not received the cards. Had I wanted them as physical cards in the first place, I would have picked the correct delivery system on the original claim form ( see attachments ). 

I declined the slow mail delivery but chose much faster virtual Mastercards. 

BNH also wants me to provide my photo ID and my utility bill because I have not received the cards. 

I am not sure why BNH needs to have my private information and what they will do with the information afterwards. 

If I made any error at all, I would be willing to provide my name, my email address and my physical address only, the same information I had given to XXXX XXXX / XXXX to qualify for the Prepaid Mastercard. 

But, the error is entirely on their side, as the error message reads ( see attachments ), inconveniencing me beyond what was promised by XXXX XXXX XXXX XXXX when I qualified for the Prepaid Mastercard. 

According to XXXX / XXXX, XXXX is charging dormancy fees of {$5.00} per month for many people who can not access their cards due to the error on the BNH server, a double whammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through Ally financial. 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. Ally financial then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
Ally financial called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my 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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been requesting my credit reports from both XXXX and Transunion for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. XXXX and Transunion both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called XXXX and Transunion I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.

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 2023-09-24 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF VIOLATING MY CONSUMER RIGHTS. I HAVE ASKED COMPANY TO PROVIDE MY WET SIGNATURE IN REGARDS TO XXXX ACCOUNTS WITH THIS COMPANY. NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF PERMISSIBLE PURPOSE 15 U.S. CODE 1681 b, The Truth and Lending Act 15 U.S. Code Cap. 41 1601, Extortion, Embezzlement, Debt Bondage, Traffiking, Attestation, Right to privacy 15 U.S. Code Section 602 A, Navy Federal Credit Union did not have my written consent to report to any bureaus which is a violation of 15 U.S. Code 1681 Section 602 A Section 2, also banks do not have real money so why would this bank LIE and say I used their money when the bank used my social security number to create a promissory note that I did not consent which is aggravated theft 18 US Code 1028 A. Also why is this company reporting late payments which is against the law 15 US Code 1681 a ( 2 ) ( A ) ( i ). Why is this company asking for my social security number which is against the law 42 US Code 405. banks do not have lawful money and this bank is committing crimes 12 US Code 1431. Provide proof of the original promissory note, provide wet signature, provide ledger. Reporting on a closed charge of account is a violation that Navy Federal continues to commit 15 U.S. Code 1681c. Client must be compensated due to aggravated identity theft 18 US Code 1028 A. Remove all accounts off of every credit report immediately. Navy federal has also Violated an order to Cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: FL

Complaint narrative:
In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through XXXX XXXX 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. XXXX XXXX  then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
XXXX XXXXXXXX  called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my 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 non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NCD Financial, LLC
State: TX

Complaint narrative:
I paid my loan in total for a full deletion from my credit report. I have the emails to prove the deletion from my credit report. After I paid {$300.00} the company only put paid in full on my credit report, which caused my score to drop XXXX points. When I tried to reach the company to hold up hold their end of the deal, they responded they could not delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to Experian in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to Experian in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to Experian

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 2023-09-24 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: LA

Complaint narrative:
I have information on my credit report that doesn't belong to me. My wallet got stolen with all my information in it. I also made an FTC report for the accounts and a police report. 

Experian reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-24 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Someone applied for an XXXX XXXX they had to go through JPMorgan Chase Bank. I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & XXXX to remove and fix my online account for XXXX. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMorgan Chase Bank , N.A . requested ( Hard ) inquiry without authorization : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 
INFORMATION FOUND Lender : JPMCB CARD SERVIES Inquiry date : XX/XX/2023 This is pattern this company use to continually ( increase and reduce ) credit score of the past ( 12 ) months. Seem to be a credit card issuer " Redlining '' for credit card holder with high credit balances. However pay all credit card on time without delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: MS

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts XXXXXXXX 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  Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I had a XXXX XXXX credit card which I used frequently. I became XXXX during the pandemic and had to stop working. My XXXX XXXX payments were delinquent and XXXX XXXX sold my account to a third party collection agency who were extremely aggressive and disrespectful to me over the phone. I asked the representative to help me pay a lower amount to use whatever workout plan that Midland had for customers who were in hardship from the pandemic. He said they do not have any such thing but could offer a discount of only 10 percent if I paid XXXX XXXX monthly. I was unable to keep up and the 10 percent was placed back on my balance. They sent me a schedule to pay XXXX dollars per month for 18 years. I can not afford this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
-In accordance with the fair reporting act " XXXXXXXX XXXX  has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: U.S. BANCORP
State: KY

Complaint narrative:
-In accordance with the fair reporting act " XXXXXXXX XXXX has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was scammed on Cashapp by a XXXX XXXX They promoted their work using my college campus as advertisement. It was directly targeted towards students. The appoint required a deposit. I sent in the work I wanted to get done and a {$50.00} deposit. After my deposit was sent I was told that me and my friends appointment was set. The following night the scoping was no longer running. I reached out to Cashapp and the business asking for a refund since the page was removed. They even sent me a phone number to call for the appointment. I reached out to Cashapp and they told me that they could not refund my money because it had to be approved by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I paid my last month 's statement ( XX/XX/2023 ) in full. Through the website there is an option to pay in full. Since I paid the statement in full the Automatic payment I had scheduled was offered to cancel and initiated by Capital One. However this left me with a shortfall, which triggered additional interest accrued on the next statement. 

I tried several times to resolve over the phone and the company refused to credit me. There website is deceptive and unfair and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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