vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX  on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.

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 2023-03-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXXXXXX XXXX on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.

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 2023-03-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-26 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MT

Complaint narrative:
ENHANCED RECOVERY COMPANY XXXX {$1900.00} Account Information Address XXXX XXXX XXXX XXXX XXXX FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1900.00} Original Creditor XXXX XXXX  Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was going through a hard time in 2016 I moved back in with my mother I called the car loan place and had them come and pick up vehicle due no job. Four years later I never received a summons to go court they placed a garnishment on me and now they are taking money out of my check every time I get paid. The balance on credit report in more than the balance I see on my check XXXX on credit report on paystub it say still owing 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 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.

Complaint narrative:
On XXXX XXXX my daughter tried to make a purchase with her cashapp but it said declined for your protection she tried to call to find out why cause she had {$100.00} in there from her birthday. They told her a special team is looking into it but I would have to call as I am the sponsor on her account, I called to find out what is going on and they told me what they told my daughter they said I should receive an email. So I waited on XXXX XXXX her school financial aid was direct deposited and on XX/XX/XXXX her paycheck was deposited she attempted to transfer her funds to her new bank account but it was declined, from XX/XX/XXXX to XX/XX/XXXX I called everyday to get them to release her money I even spoke to a supervisor and again I got the same response on every phone call a special team is handling the issue and I will receive an email it is now XX/XX/XXXX and my daughter still has no access to her paycheck or her financial aid money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo continues to claim the credit card charges made with XXXX and XXXX XXXX  are valid. They are asking me to provide my personal medical records to show I can not drive. I will submit those only on this website and expect that they will be kept highly confidential

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 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2023, I discovered someone stole my social security number and used my name to open fraudulent accounts with credit card companies, according to my credit report. 

The person who stole my identity is unknown but who used the address. 
" XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ''. 
The phone number " XXXX '' is not mine to open the account. 

One of them is Discover Card : Discover ( Opened on XX/XX/2023, they spent {$700.00} ). 

I've reported to the creditor in XX/XX/2023 when I found out and reported to my local police department - XXXX XXXX XXXX, XXXX Case ID # XXXX. I've been called the company to follow up on the progress but they've kept saying it's under investigation. And I've not yet received any written documents regarding this issue. 

I attached my police report for your reference. Please assist address the issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My card has been compromised several times the last time I went to the regions branch to receive a new card, the card that was automatically sent out sat in the same envelope it came in, XXXX  XX/XX/24 received notification that someone tried a transaction on this card that was never activated on my account, several hours later my active card was compromised, it would seem the bank is compromised from inside, I would like them to perform a security audit as this is a major breach for a failing bank

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 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a Huntington bank account on XX/XX/XXXX. Less than 12 hours later my account was closed with no notice, no reason, no one at the bank could tell my why it was closed. I was told I would be sent a later maybe. I put about {$300.00} in this account. Had to wait 3 weeks for the check to come in the mail. The letter that I might receive never came with the check. This is a clear violation of my consumer rights. This is not optional when a consumer enforces his/her rights the consumer must be given a specific reason why the account was closed and it must make sense. I want my rights enforced by the FTC. The photos below are me trying to log in and it said I guessed to much which is incorrect because I had the papers from creating the account right next to me. So what they did was disabled my account and never told me because how could they when it happened less than 12 hours of opening the account. Its not a Credit product so using my credit score was illegal. I also had {$300.00} for bills tied up in a financial institution by employees who only follow policy and not federal law. You are better off using crypto currency retaining all control of your money then to use a financial institution backed by nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I reported the following incident to cash app : I've had a theft. I had to file a Police report. A " so called '' XXXX  XXXX siphoned out about $ XXXX and l left me with {$0.00}. I question and find Cash App negligent in not catching this as I DONT have a history with this person, and why send her money in small batches within seconds of each other????? 

Their answer : XXXX XXXX, This is XXXX with Cash App Disputes. Let me give you more details about it. 

Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

Date Status Amount Sender Recipient XX/XX/23 at XXXX XXXX Paid Out {$190.00} XXXX XXXX XXXX XXXX XXXX XX/XX/23 at XXXX XXXX Paid Out {$200.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$50.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX Out {$50.00} XXXX A XXXX XXXX XXXX Additionally , you are entitled to request the documents upon which our denial was based. To initiate this request, please click here ( XXXX XXXX XXXX ). Note : You must click this link on your phone and have the app downloaded to launch this link. 

If you would like to open a new claim with additional information for the investigation, you may create a new case using that information here XXXX XXXX XXXX XXXX XXXX 

For your reference, the case number associated with this claim decision is XXXX. 

Now that weve closed this investigation, youll need to open a new case if you need further assistance for a different issue from Support. Heres how : a. In your app here ( XXXX XXXX XXXX  ) b. Call us at XXXX. 

For more ways to contact Cash App Support, check out XXXX XXXX XXXX 

We also recommend securing your account by following Cash Apps Security Best Practices ( XXXX XXXX XXXXXXXX ). 

We appreciate your patience and cooperation throughout the dispute claim process. 

XXXX Cash App Dispute Team ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2023 Walgreens, XXXX Tx XXXX I was checking out at the counter, when the Walgreens Associate asked if I would be interested in a Walgreens Card to save more money on my purchases, I said yes, but I didn't want to apply because it would put a hard inquiry on my credit report. The Walgreens Associate picked up the phone by the register and called someone in management, I assumed. He asked if I could apply without a hard inquiry, and I was told that there would be no hard inquiry on my credit report if I didn't qualify. I agreed. I didn't qualify and there is now a hard inquiry from Synchrony Bank, in XXXX.I called Walgreens in XXXX, TX regarding what happened and was told they couldn't help me with the problem that they had caused. I want this inquiry removed from all three credit reporting agencies.

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 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today XX/XX/23 I attempted to use my credit card for {$310.00} at Walmart. The transaction was flagged for fraud. I responded to all text alerts and emails that the transaction was valid. My card was still declined. I called fraud and spoke with the XXXX associate ever. He clearly did not know how to remove a fraud restrictions. I verified my information, recent activity, and login info and was advised I could use the card as normal. Again my charge was blocked for fraud. For a second time the XXXX associate made me verify the SAME information that I already verified on the phone with him moments before. For a THIRD after being told my card was available for use, the card was blocked again due to fraud. For a FOURTH time the associate wanted to verify the same information and also wanted me to upload my driver license while standing in line at the grocery store attempting to buy my groceries. Hands down the worst service I ever received in my life. I was forced to use another method of payment because of an incompetent associate not being able to remove the block off my card. My card is still BLOCKED. I want my card unblocked and I want my account credit the amount of miles equivalent to a purchase of {$310.00} due to the incompetence of Capital Ones associate.

Company response to consumer: Closed with non-monetary relief