vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: VA

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 2023-11-20 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: VA

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 2023-11-20 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: CA

Complaint narrative:
There are some fraudulent inquires and fraudulent account opened under my information which was a result of ID Theft. I contacted XXXX to dispute the info, and one of the supervisors advised to file ID Theft report through FTC and send them the report along with my ID, Social Security Card, and Utility Bill. All the requested documents were provided via USPS Priority Mail. They confirmed that the items were received and state that it is not enough. I asked them what else do they need to resolve the issue, and they said contact FTC to know more. No concret answers. Their representatives provide different answers every time I call. They have no knowledge about consumer protection and FTC procedures, barely speak XXXX and could not clearly state what they want.

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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Triton Recovery Group
State: CT

Complaint narrative:
I '' m receiving texts from a XXXX at XXXX XXXX. She is from Triton Recovery and keeps texting me regarding a collection account that does not belong to me. I have asked her several times to stop and she keeps insisting I am the person she is trying to contact and refuses to stop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Take a look at the documents provided. I wish for the investigative process to begin on these accounts where I am never overdue, but they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 - I reserved a fully refundable car on XXXX for XX/XX/XXXX - the website errored out and gave me a non-refundable and non-cancellable car. I called XXXX within minutes and asked them to change to refundable. They refusted. 
So I called my credit card company ( capital one ) and disputed the transaction. They credited me the charge on that day ( {$770.00} ) On XX/XX/XXXX - Capital One credit card contacted me that the dispute could not be resolved as it was a non-cancellable reservation and charged me again. I said fine. I'll go ahead with the reservation. 

On XX/XX/XXXX night I called XXXX again to add some services to my resrvation - car seat and insurance and they advised that I call the car rental directly ( XXXX ). I did so and confirmed with XXXX. So as of XX/XX/XXXX my reservation was not cancelled On XX/XX/XXXX when picking up the car from XXXX I was told that XXXX had cancelled the reservation. I called XXXX and they said they cancelled it because it had been disputed. I called capital one and they said they will look into it and credit my account. I picked up a car from another car rental and had to pay over {$1400.00} for the same car as it was the last minute and day of the reservation. 

On XX/XX/XXXX - Capital one credited my account {$770.00}. I though that was the end of it But on XX/XX/XXXX - Capital one charged my account {$770.00} again despite knowing that the vendor did not provide the service!! 

I have called and spoken with XXXX who refuses to credit me and also Capital One who say they can not do anything. 

So basically neither of them are looking out for the consumers interest. I have filed a complaint against XXXX with the FTC and reaching out to you to complain about capital one. This credit card company is looking out for the rights of the vendor ( XXXX ) and not me ( the consumer who is their client ) Please help provide a fair resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX XXXX XXXXXXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX XXXX XXXXXXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with Bank of America, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with Bank of America and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. 
Fraudulent Accounts : 1. Bank of America 2. Bank of America 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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was scammed and had unauthorized transactions sent to another user, I reported these transactions while they were in pending status and one of them was canceled as my bank even told me so and I have proof of that statement, I was then denied my dispute by cash app and afterwards the transactions were processed and re submitted which also shows in my statements. these transactions took place XXXXXXXX  as well as XXXXXXXX  totaling {$370.00}. I was told that I could request documentation however I am being ignored by support when contacting them after being initially told my dispute was denied. I also immediately asked them to cancel the transactions as they were still pending and I was being ignored and finally told by one agent that they were not pending, after providing proof that they were in fact pending I was then ignored again by multiple agents, and still never received documentation of why my dispute was denied so quickly. In the screenshot attached you can clearly see its marked as pending and you can see a clear indication of a section that says " Completed '' which these transactions were not. You can also see an agent from my bank tell me the transaction was cancelled before settling. Initially when I reported the transactions as fraud I was told by cash app that the transactions were cancelled only to be charged anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a transunion.com account. I am billed monthly for my credit report. I have tried to cancel this subscription. When I go to log in the website asks for my social security and then the website takes me to a page that is not working. 
I have called and they keep pushing me to a text platform. 
I am on hold. I want to login and cancel my subscription. 

They are not letting me login

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 2023-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
Loandepot is the servicer of my VA loan. During the month of XXXX, I was notified that only " certified funds '' were accepted as a form of payment to the servicer. During the month of XXXX, I made a payment using my banks " XXXX XXXX '' service, which sends certified funds directly from the bank to the payee ( Loandepot ), the payment was accepted. 

However, during the month of XXXX, Loandepot returned the payment to the bank, which subsequently had to go through a process of depositing the certified funds back into my account taking a few days. I contacted Loandepot to and my bank to understand why the check was rejected. My bank stated that the payee ( Loandepot ) returned the payment back to my bank without a stated reason. Loandepot stated that they do no accept the certified funds method of " XXXX XXXX '', only Cashier 's Check and Money Order that had to be mailed in. As the deadline for payment approached, this was not a viable option, and I requested a quick resolution to either wire the money as a payment or ACH, or allow the bill pay service to go through. The representative from Loandepot said that was not allowed and would have to go " through a request '' which was subsequently denied, and I now have a late payment fee. 

This seems predatory given that they did not mention that " certified funds '' is a definition that is only limited to Cashiers Check 's or Money Orders. Certified funds are funds that are guaranteed and include services like bill pay. Their behavior may be breaching laws and regulations to their ambigious defintion of " certified funds ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
today on XX/XX/2023 I contacted XXXX about a fraud account on my XXXX credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my XXXX  account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. XXXX is being deceptive and i do not like that.

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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Main Resolution Group
State: CA

Complaint narrative:
Told me they were no a collection company just an information verifier but tried to the n collect a settlement. I asked for mail and they said by the time i got mail they would file a judgement against me so mail wasnt an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I do not recognize this credit inquiry XXXX XXXX XX/XX/2023! I have asked for it to be removed by the credit bureau but they have not done as I have asked. I am providing an Identity theft report as an attachment. I am requesting the inquiry to be removed because it is inaccurate and not mine.

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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an Bank of America business account they choose the end relationship I have funds available in my account and was told i have to wait to closing date to close account and receive my funds in mail The closing date keep changing I been dealing with this since XXXX no check have returned or anything since and Im dealing with a very hardship issue outside of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX in judgement amount of XXXX paid to Orbit leasing told Treasury of Michigan in XXXX that the balance was XXXX dollars owed. Received in XX/XX/XXXX correspondence about another balance owed in amount of XXXX odd dollars from Orbit Leasing again. I paid this company through XXXX district courts for fine in XXXX but paid XXXX district court for fine due to Orbit Leasing in XXXX for debt. Also was garnished by Michigan Treasury in XXXX, XXXXOrbit Leasing, I had to let it happen this way because at time I was homeless and mainly living in an hotel and with family up until XXXX of XXXX when I moved to XXXX XXXX XXXX XXXX XXXX MI XXXX 

Case number used to garnish wages XXXX year XXXX for year XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was trying to apply for a mortgage loan, and this account has been under my collection and never let my score go up. Initially, many years back someone used my name credit card to make the purchase at Macys. I knew about it later, but they told me that I do not have to pay If I didn't make those purchases. My score went very bad because of this account. I called macys asking for the information to send the payment, and they sent me a letter saying I do not have to pay. Now I want that account be removed from my collection account so I can work on making my credit score better.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company was to provide a " line of credit '' in exchange for credit reporting. After approximately 3 months of service, a technical issue prevented me from logging into my account, The exact issue was that I would input my username and password and the system then says it is emailing me a code. This email never arrives and I am unable to go any further. The same issue arose when trying to " reset '' my password. 

During this time I was locked out of my account, my credit card on file was canceled by the bank and a new card resissued. This caused the payments to decline. DUE TO THEIR INTERNAL ISSUE I WAS NOT MADE AWARE OF THIS ISSUE BY EMAIL OR ANY OTHER WAY. When I discovered that XXXX, a " credit Building service '' had been reporting late payments on my credit reports, causing me great monetary harm, by the way, I immediately contacted XXXX. They have no live support, so you must email, I have saved all of the emails and will attach them. The customer service rep was able to resolve ( after several days ) the login / email issue. I asked the rep if they could remove the late payments on my credit report, and they refused. DUE TO THEIR SYSTEM!!!!

Company response to consumer: Closed with non-monetary relief