vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: WA

Complaint narrative:
My complaint is with CREDIT KARMA MONEY SAVINGS ACCOUNT. This company fraudulently lies to their members and holds the members money by using an outdated federal reserve requirement as the excuse. First they only allow XXXX transfers a month from a savings account and blames it on the federal reserve. Next in order to get your money out of the savings account it states you must close your savings account but before you do that you must link an external bank account so once they close your account the balance will be transferred to the linked external account. They state the balance can not be transferred to your money spend account which is like your credit karma checking account. While linking your external bank account they use a company called plaid to do the linking. First plaid asks you to find your bank in a list of supported banks. In my case it is chime bank which is on the list. Then it asks for you login credentials for your bank account and then it links the two. When linked it states SUCCESS your accounts are linked press continue once pressed it says there is a problem linking and an error message is shown saying try again later. No matter how many times you try you get the same message. Contacted XXXX they said problem is not on their end must be XXXX XXXX. Contacted credit karma and they reply with instructions to try again and they are looking into it. Then they reply again saying that XXXX  is not a supported bank and I explained that plaid stated if your bank is not on their list it's not supported but chime is in their list and the bank account links up then error message. So contact them again and they ask for ne to take screen shots and send them to them and once you do send them all correspondence stops completely. So I call credit karma and tell them that they are wrong for holding people 's money in the savings accounts and wont let them do anything with their money and using false information to back their fraud up and I tell them about the federal reserve requirements being lifted in XXXX of 2020 and demand them to resolve ny issues and the customer service rep tells me she can close my savings account for me and transfer the balance to my credit karma money spend account. I told them they just went against all their policies and said they would do what they said they couldnt do to thousands of members. I have screenshots if all the proof of the chime bank being linked and federal reserve requirement being lifted and the credit karma message saying you are only allowed 6 transfers because the federal reserve only allows that many a month. Doing research on this I have found thousands of consumers on blogs and posts trying to get access to their .money only to be lied and cheated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: LA

Complaint narrative:
In accordance with the fair credit reporting act convergent : 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 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: LA

Complaint narrative:
In accordance with the fair credit reporting act convergent : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
I have recieved several notices for this debt and paid them by letter each time. I would recieve another a month later saying it wasnt paid. I recieved a " Final Notice '' in febuary and paid it over the phone on XXXX XXXX with the them. Now it has been reported to you despite me paying it 4 separate times because they dont have a website I used the letter envelope they provided. The last time I spoke with them directly on the phone and settled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a lot of stuff on my credit i never use ... My idenity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: CA

Complaint narrative:
I was attending school at the XXXX XXXX film school in XXXX, so in my 6-7 month period everything was okay I passed all my class when I had to take off school for a little bit to work and help my parents financially, couple months past and I was ready to attend school will first day back they decided to restart my classes that Ive already took and really wasnt a academic course that Ill earn credit towards my degree, so I tried to make a complaint to my student advisor but nothing really happen then within a week I was kicked out of school for not completing my XXXX accelerator program and was still billed for the full tuition even tho I wasnt allowed to attend anymore

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: VA

Complaint narrative:
In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXXXXXX XXXX XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-03-12 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: VA

Complaint narrative:
In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: VA

Complaint narrative:
In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

XXXX ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was on XXXX and this guy said he would pay me money to be his sugar baby well he was given my email and phone number and XXXX acct, but he gave me his after when I said I'd send it when I got to my I'd, and I haven't sent it but I did pay XXXX dollars to bitcoins on XXXX and XXXX to try to recieve the 2000 he was paying my XXXX, and now he's trying to get me to pay more and I can't get mine back he gave me his phone number XXXX XXXX XXXX XXXX and XXXX for XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OR

Complaint narrative:
The successful transactions occurred on XX/XX/2022. It was the second time. 
The first attempt was on XX/XX/XXXX. However they were held as pending and eventually cancelled 3 weeks later. 
I was on my phone when the transactions occurred, so I was able to transfer my remaining funds out ( for a fee, conveniently paid to cashapp ) and flag my card as compromised. The next day the managed to get 3 transactions through on the new card that hadn't even been mailed out or activated yet. 

All attempts have been transactions from XXXX stores in NY. I've never been to New York. I'm in Oregon. Including attempts and successful ones, there have been 13 transactions total ( so far ) and each set is on a new card that hasn't been activated or even removed from the envelope. 

I reported my card stolen and the next day, before I even got my new card, 3 more transactions for XXXX NY went through. These 3 transactions totaling over {$1200.00} are the ones I am disputing because I lost money. I called XXXX as suggested by Cashapp support and they can't locate the transactions and Cash App hasn't been very helpful at all. Now that the transactions aren't pending anymore I have disputed them and waiting to hear back. I filed the dispute on XXXX, XXXXThey stated I would hear back in 10 days. Nothing received. Filed again on XX/XX/XXXX. No response. Filed again on XX/XX/XXXX. 

I thought I was ok because I had a new card. Nobody had access to it. I hadn't even received it yet. I uninstalled cash app, logged out, force closed it, changed my pin. And even after doing all that, many other charges tried to go through but I had deactivated the card as soon as I requested the replacement. It has to be someone internal to cash app that's leaking info. 

This is a widespread, ongoing continuous stream of fraudulent activity that Cashapp and XXXX refuse to address and/or prevent. 
A brief internet search shows many people wit the exact same narrative. Usually at one of several XXXX stores in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was a recipient on a XXXX money transfer from XXXX XXXX Denver/XXXX to me Maryland/ XXXX XXXX through Truist bank. 
On sender side said transfer completed and money was withdrawn from company account and on my end said money received but money isnt posted/deposited to my account for 3 days. After I called truist bank hotline and explain next day status changed to failed but money still not refunded to the sender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, 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:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, 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 noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for this Walgreens credit card issued thru synchrony bank & was denied? Im constantly denied thru this bank I dont understand why I have good credit no obligations yet they send me a a letter stating I have to many obligations to income? Impossible for this to be true! Im attaching my account balances along with the denial letter

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