vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX XXXX is affiliated with the Credit Karma Company and offered to have my tax returned deposited to a credit karma account ( XXXX with XXXX XXXX ), their customer service dept is overseas and a strange overseas transaction took all of my tax return as soon as it was deposited into my account what seemed to be a " hacker '' but it appears to me it was internal from the company, like possibly an employee or an employee of XXXX as XXXX has been hacking me for a long time, and forcing me to watch XXXX XXXXXXXX post or videos, the day before XXXX forced me to watch an XXXX  XXXX guys eating sushi or seafood and the next day my taxt return deposit was fraudulently taken from my account by some kind of business called : XXXX XXXX XXXX XXXX XXXX XXXX 

Immediately reported the fraud and credit karma did not stop the fraud transaction from going through and has not returned my money ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
I have reviewed my credit report and have identified this inquiry as inaccurate and unauthorized. I have never initiated any transaction or applied for credit with those mentioned creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My account has been frozen.. 
My IRS Refund has been release to the account XXXX XXXX 
XXXX has not been communicating nobody is helping I just want my funds that can be verified from the IRS. My rent needs to be paid I am facing an Eviction!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To whom this letter may concern I need to update my information because its inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My car caught on fire and was total loss. The warranty/ Gap protection plan the dealership made me get did not cover for the loss. I argued with credit acceptance and they still want me to pay for the remainder of the loan. The original price of car was about XXXX and dealer charged me about XXXX for the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XXXX Cash App closes my account and gives me the option to dispute, for which I do submit a lengthy one. The response I get is that my account has been found in violation of their Terms and Policies, but that they can not tell me what or why. I accept this and have moved on up till XXXX when I receive an email from Cashapp notifying me that my 1099B documents are ready and available for me to download. The documents I need to file my taxes are not available ( error message that something is wrong on their end ). I contact customer support chat and since XX/XX/XXXX have been sent through many rabbit holes and end up back to the very same chat support, for which does not read what I wrote to them but instead I just receive the same cut and paste default messages since when I started the request. Attached are the screens that I am getting from the instructions that Cash app support has directed me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XXXX of 2024 year I have noticed that in my Wells Fargo checking account many of the money transfers are not made by me and that caused my account balance to get lower than I had to have and part of the statement got mines and caused overdraft. I contacted to the bank many time and asked them why do Wells Fargo bank allowed unauthorized charges? They read the statement to my and Wells Fargo does not take any responsibility about the transactions. I made an appointment at Wells Fargo branch in XXXX XXXX but upon arriving nobody from customer service served to solve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I took out a title loan with Title Max in XXXX, SC in the amount of {$5500.00}. I realize that it was a XXXX  move but I really wanted to help two family members that were out of work and were really struggling. So yes it is my fault that I took out the loan. The issue that I am having is that it is a very predatory. I keep paying and the balance continues to increase. I do not want to lose my car that I worked so hard to payoff. 

I do not mind paying back my debts but I would like to know if the terms can please change so that I can pay off this loan. I got the loan on XX/XX/XXXX and I have not missed a month and it is now XX/XX/XXXX and I owe more than what I started with. It shows that I own {$5800.00} that I have to pay on XX/XX/XXXX. 

Now, they have the nerve to offer me a loan with current available cash of {$1200.00} that I refuse to take out. I am very stressed. I don't know how I am going to make it if the balance continues to go up and it is the only car I own. 

I realize that I made a mistake in getting this loan but I did not know that it would be impossible to pay back. Please help me. I feel they took advantage of my distressful situation. I need to fix this bad situation but I do not know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
XXXX account NUMBER : XXXX with a balance of {$4600.00} was opened by fraud and shall delete from my credit report by LAW. 
I been received phone calls for a bill not owed. 
Delete this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This car in my name as my ex husband and we couldn't afford it because the motor went out and the company credit acceptance said they said our insurance doesn't cover out motor and the payment was high and they reported on my credit like I still got the car every month so my credit will not go up because of it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I contacted I.Q. data international on 2 different attempts. I once disputed the debt and was told there investigation came back to be verified as my debt. My second attempt to dispute it on XX/XX/XXXX they said because I didn't submit new information there investigation is done and still verified. I then contacted XXXX and was told this should have never been reported to my credit. They then submitted a email around XX/XX/XXXX showing that the balance was taken care of in house. I also sent a certified letter XX/XX/XXXX with a copy of a statement showing this debt was taken care of. This is still reporting incorrectly and has been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Last week a debt collections account appeared on my credit report from an XXXX apartments in XXXX, Texas that was sent to Columbia debt collections llc. 

An apartment was rented by fraud in my name. I have lived in the XXXX area for the last 10-11 years and before that I lived in XXXX 

They told me the apartment was rented from XXXX of XXXX to XXXX of XXXX. As stated above I lived in XXXX during this period and still do. 

The amount is {$20000.00}. Plus interest of {$440.00}. Total of {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, I came to the realization that XXXX XXXX had wrongfully reported a late payment for my auto loan. I had received a letter in the mail from them that no payment was due for the month of XXXX ( XX/XX/year> ). This is the only reason why I did not make a payment. My account standing had been excellent with no late payments. After speaking to one of their reps, I inquired as to why I had received that letter. They indicated that they did not have a record of any kind of notice like that. I then asked them why they did not contact me by phone to notify me that the payment was late and that they were set to report to the credit bureaus after XXXX  days. Their response was that they did not have my number on file. I told them that was unacceptable and requested for them to have the late payment reporting removed. After the outsourced/foreign representative spoke with a manager ( on a recorded line of course ), she indicated the late payment would be changed to a current status and to please wait XXXX to XXXX  days for their credit department to update. I told them I thought that was far too long. Since then, they were contacted by the bureaus regarding my dispute and indicated the late payment was in fact accurate. They have done nothing but waste my time and I have not been able to secure a desperately needed business loan due to this single recent late payment which cause my credit score to drop by over XXXX points. I have also emailed my request to the CEO XXXX XXXX along with their Chief Marketing Officer XXXX XXXX, and their CFO XXXX XXXX. No one appears to care and this has turned out to be one of the worst customer service experiences of my life. I regret doing business with XXXX XXXX and aside from making this story public, I am requesting any assistance possible in order to rectify this situation so I can get the funding that I need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
A couple of weeks ago ; Bank refuses to honor old English birth-given name & surname during visit to a branch and during phone call staff stated my account was on a restriction after bank updated account with a change of Information form to include birth-given name and surname of US ID with matching signatures. During phone call staff stated they were going to cancel account. I went to branch for a bank card and the staff said my account was on restriction than told me to call number and talk to security and they were not helpful. I write to remove restriction idea/intimidation and use/confirm debt deferred line of credit with bank checking and savings accounts and receive a debit card. Also an error on statement of account ; a ending balance without visible debit I assume the line of credit is to great to cite ; I cite you in behalf of staff_clerk confusion ; they may have translated it as a restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with explanation