vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX bankrupcy However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 explanation
Consumer complaint received 2023-07-05 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

XXXX 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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/23, I noticed XXXX withdrawals, {$4500.00} and {$240.00}, from my Chime account. These were to XXXX XXXX. I do not know anyone by this name, do business with anyone by this name nor did I offer these withdrawals. Said transfers, if they were indeed transfers, were apparently made, on or about XX/XX/23. 

All attempts to resolve this with Chime and/or its bank failed to correct this problem. 

Thus, {$4700.00} was stolen from me, either from a bank withdrawal or illegal transfer. Please, I ask you, to help recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: 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. 

XXXX XXXX  XXXX : # XXXX, XXXX XXXX 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 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 2023-07-05 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: 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. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX 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 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 explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: KY

Complaint narrative:
XXXX contract says I can be released from contract if I move and they can not provide XXXX  at new address. I had a XXXX  rep out to my XXXX home to establish XXXX  aftermoving from XXXX  in XX/XX/XXXX. He was unable to get a signal XX/XX/XXXX. XXXX did not release my contract but continued to bill me until I stopped payment in XX/XX/XXXX. They sent me to collections. I filed with the XXXX  and thought everything was resolved when I got a notice from XXXX  stating my account was closed in XX/XX/XXXX. They never refunded my XXXX from the 3 months prior which I didn't pursue. However, now they've sold this debt again to a new collections Co and I am going through it again. Can't call XXXX  my number gets disconnected with a message saying it's in collections call the collections Co who wants documentation from XXXX who is impossible to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CARD Corporation
State: CO

Complaint narrative:
My wife received a text message on XX/XX/2023. 
The message read : CARD : XXXX Use this one-time verifi cation code to completesign-in. We'll never call, emial, or text you you for this code. Card : Welcome, XXXX! Stay up to date on your fi nances with our Premium Banking app. Easily download it here : cardpremium.app.link Last week ( XXXX XXXX ) we received a debit card in the e-mail, with a routing # and an account # listed in the letter. 
The sender address was : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX We suspect a bank account has been opened in my name. I would like the account closed. 

I visited the card 's website ( Card.com ). The website CARD ( premium back account by XXXX  ) had only one number I could find to contact them. In the FAQ section, there was an " Account Support '' number ( ( XXXX ) XXXX ). On calling this number, I could not go any further without entering my Social Security number. I did not want to enter this, and was stopped there. I have not found another way to directly contact these people. 

I have put a freeze on my Credit score with all 3 credit report companies ( XXXX, XXXX, and XXXX ). 

I have filed a complaint with FTC ( Feral Trade Commission ). 

I contacted my local XXXX XXXX XXXX  They suggested several courses of action. Filing this complaint was one of them. 

I have put out a Fraud Alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has violated XXXX laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. 
I have spoke with XXXX XXXX XXXX XXXX numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with XXXX XXXX XXXX XXXX since early 2022 and haven't got any results.

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 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
XXXX I bought a XXXX XXXX from XXXX XXXX XXXX and was financed threw credit acceptance. I put down XXXX $ on a vehicle that was XXXX. From my understanding. The car was repossessed XX/XX/XXXX and I got the car back, this is when I pull out the contract and realized that the loan was misleading and deceptive. My car was damaged by the tow company also. When I got the car back I called credit acceptance to get a payoff amount.. it was over XXXX $!! I have already paid over XXXX $ to credit acceptance how can the payoff be over XXXX $? I did a car history report on the vehicle and it revealed that the vehicle has a branded title and it exceeds the mechanical limits. It states also odometer problems and could be unsafe to drive. This was never told to me by dealership or finance company.. the vehicle mileage was misrepresented to make it appear it had lower mileage to increase the cost or value of the vehicle.! I've reached out to the company and I get nowhere.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported fraudulent charges from my debit card to Wells Fargo on XX/XX/2023. A week later I receive a letter in the mail stating that the charges were made by me or someone I know so they are reversing the preliminary credit to my account which was just under {$100.00}. While this amount is not huge, I still believe Wells Fargo is not upholding its duty of XXXX fraud liability. I did not make these charges nor did anyone else that I know. My card was in my possession and a hacker somehow was able to obtain the information from it. This is terrible business practices and they will lose a long time customer over this unless fixed.

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 2023-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
XOOM money transfer, a XXXX XXXX service ( head quaters in california ) has stolen money amounting to XXXX XXXX dollars from my checking account XXXX XXXX I have all proofs of money transactions that has been created by XOOM money transfer. The customer abused me and threatened me when i asked for my money and denied my claim. My bank account has been compromised and i had to start a new account in XXXX XXXX I am please asking please help me. I am a XXXX citizen without a job. I have substantial proof that XOOM has stolen money. Please call me XXXX. This money is to be paid for my daughters tuition. please help. 

Best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has violated TILA laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute.

I have spoke with Navy Federal Credit Union numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with Navy Federal Credit Union since early XXXX  and haven't got any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from " Weltman , Weinberg & Reis Co., LPA '' on behalf of XXXX XXXX XXXX stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX, CA XXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from XXXX XXXX XXXX or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " Weltman , Weinberg & Reis Co., LPA '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: VA

Complaint narrative:
According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize these investigations in my credit report that have the dates marked. 

CAPITAL ONE BANK USA ( XX/XX/XXXX ) CAPITAL ONE BANK USA ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act Exeter Finance has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I was living at XXXX XXXX XXXX in XXXX, PA back in XXXX. I decided to move to a different apartment complex XXXX XXXX in XXXX XXXX in the late spring of XXXX. I never signed a new lease at XXXX XXXX XXXX  yet they decided to put {$17000.00} on my credit report. They even rented the apartment right after I left and I still got charged. At the time I was living with an ex-girl friend and she also moved out of the unit but stayed in the same complex. 

I have been fighting this debt for years now and it has affected my ability to gain better credit scores and move forward in life. 

Creditor information Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : National Credit Systems collections date : XX/XX/2020 amount {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have a car loan with Santander and my car was stolen on XX/XX/XXXX. Since it was not retrieved, my insurance company declared it a total loss and issued a check for its value. Since I have only had the loan for three months and would like to avoid going through the entire financing process once more, I requested a substitution of collateral from Santander. Each time I call Santander 's customer service to discuss this, I am given a different answer regarding the feasibility of my request. At first, I was told that a substitution of collateral does not exist. After calling several more times, I was informed that it does indeed exist but it is never done for total loss cases. I would like a my request to be handled by someone who is well versed on this issue as I have been without a vehicle for close to three months.

Company response to consumer: Closed with explanation