vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: MS

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.

has violated my rights. Or list of inquiries 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  {$260.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$260.00} 02/17/2022 15 U.S.C, 1681section 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 an 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 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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One closed my account due to a deposit of a XXXX loan I received. The account was froze and then closed. I had a balance of over {$14000.00} dollars. {$7400.00} was returned to XXXX XXXX XXXX. Where is my remaining money that was in my account. There were funds in my account that were exempt, annuities and unemployment funds. No balance of funds have been returned to me. Where is my money? I need a response. No one answers or return phone calls to the number thats given XXXX XXXX ext XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have financed a car through US auto loan in 2021 and am still paying for it. Around XXXX the company closed down and my files/ loan went to westlake portfolio management. Around XXXX is when I noticed my payment history for my car was no longer available in XXXX XXXX, XXXX, or any website or app that allows me to look at my credit score and its history. It dropped my credit score nearly XXXX points!!! And yes, I am still paying my car, as my loan is 5 years long. Please help! 

PS, no credit cards or loans were opened around this time or prior.

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 2023-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I took out a private student loan in XXXX in the amount of {$6000.00} dollars when I attended XXXX XXXX. XXXX closed and was deemed a predatory college under the new student loan guidelines. Navient dismissed many of the loans from XXXX but said mine was not eligible because XXXX is now XXXXXXXX XXXX XXXXXXXX. I filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I included this loan in the bankruptcy. According to the courts it was dismissed, but Navient says I still owe on it. I recently saw that Navient was held to a large financial judgement for making people pay on their loans even after it was XXXX in bankruptcy. I have been paying on this loan for 18 years and the balance is only XXXX dollars less than I started with. I feel like I am unjustly held to a debt that was XXXX 11 years ago. Enclosed is the bankruptcy discharge letter, student loan information from Navient and other details. I asked them to settle this debt for {$1200.00}, but they refuse. I just want it gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have held a store card through Best Buy which is administered by Citibank since 2019. I specifically applied for the store use only card at that time and have never asked for anything different. I tried to use my card today and was surprised to find that the existing account was closed and a new open-loop ( usable anywhere that takes Visa ) card was opened without my request, authorization, or consent. I called Best Buy to ask about it and they referred me to Citi. I spoke with Citi and they said it was simply a " migration '' to a new card, but I never asked for this. They said they sent me a letter in XXXX informing me of the change but that I needed to opt-out from this happening. I don't recall seeing this letter, but I shouldn't have to opt out of a new account being opened without my request. I never opted-in to this happening, so why did it happen? They said it was because I was a " good customer and they wanted to upgrade my account '', but I don't want a different account. I don't want a card from them to use anywhere other than Best Buy, that's why I signed up for the Best Buy specific card. I spoke with multiple individuals today at Citi and they all stated the old account is closed and can not be re-opened but suggested I could simply reapply for the card I already had. I have now closed all my accounts with them and will not reopen anything with them or Best Buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023 I requested ( via Capital One app ) to transfer funds ( {$350.00} ) from my Capital One checking account to a checking account I have with a Credit Union, which was already setup in my Capital One account for this type of transfers. The funds were taken out from my capital one account that night but they never arrived to my credit union checking account. I contacted Capital One on XX/XX/2023, submitted a claim over the phone, and on XX/XX/2023 they sent me an e-mail stating that the claim was closed because the money was sent as requested. I contacted my credit union on XX/XX/2023, provided them with the information from the Capital One e-mail that I got ( trace number ) and on XX/XX/2023 I received the response from my credit union stating that they didn't see anything coming into my account from Capital One. 
I called Capital One back on XX/XX/2023, asked to speak with a supervisor, and explained that I was still without my money in any of the accounts in question and he said that he was sending an e-mail to their claims department and they will get back to me. It has been 15 business days and I have not received any new notifications from Capital One and I'm still left without my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: GA

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-11 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: GA

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.

has violated my rights. Or list of inquiries 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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Company went bankrupt transferred loan to a debt collector. I paid {$3600.00} for an extended warranty which wasnt paid to the provider. Debt collector isnt removing the amount that was added for voided warranty. Having an item showing as collections will hurt credit report even tho payments have never been late on vehicle. This company hurt a lot of customers. Customers have to worry about vehicles being repossessed even with payments being current. Numerous vehicles have been repossessed with customers current.

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Early warning LLC. They are housing illegal information! I did not give my consent to be reporting anything off my consumer information! You are creating hardship on my live illegally! I never signed any documents to have my information to be released and transmitted! Remove my information from your data files or Ill be for to take legal actions against you! They are not following the Fair Credit Reporting Act! They did not reply back to my disputes! Can you provide some proof that I gave any consent for sharing my personal information and banking information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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:
I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Avant : Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account 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 2023-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
As of XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for a XXXX XXXX  my doctor XXXX XXXX, wanted me to do. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX wanted me to do. 
When the result come back almost everything was abnormal on the XXXX XXXX. I contacted a doctor who told mw to go to XXXX. At XXXX  they made new XXXX XXXX XXXX XXXX and everything come out normal. This was 2 days after I receive my test. It cost me money and time. I notice the XXXX  did not put a name tag on the tubes. She was the only one working in the office. 
I do not want to pay for a XXXX XXXX who was not mine. I have only received statement from XXXX XXXX before I received the collection note in the mail. 
I can send the 2 different XXXX XXXX  if you need. 
The first attachment is the wrong/mixed up XXXX XXXX 
The others is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
My card was taken XX/XX/XXXX and I reported this. On XX/XX/XXXX {$500.00} was taken my that card and I reported a dispute on that on XX/XX/XXXX. Cash App refuses to return the money and I have reported it several more times. I also declined a request for {$80.00} on XX/XX/XXXX and they refuse to release the money. I still have not received the money and have made several attempts without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear CFPB XXXX RE : Citi Bank NA, Credit Card ending in XXXX We have a dispute we withdrew and closed on XX/XX/2023, and the Merchant issued a refund for {$3600.00} that posted on XX/XX/2023 CITI we requested our refund to be transferred to our checking account. The Citi Staff has lied to us and told us different versions of excuses. Last was XXXX, in the Citi XXXXispute Team tel XXXX who said it was suppose to be transferred to our checking account in 2 to 3 days and the 2 to 3 days have come and gone and every time we call its a different lie. This morning I was transferred to an insurance department that has nothing to do with my money being held against my authorization by Citi Bank NA and the Staff is not being helpful to resolve the issue of returning my money. 
Thank you for your help in getting this complaint on file and helping us get our money back.

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 monetary relief
Consumer complaint received 2023-08-11 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: 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.

has violated my rights. Or list of inquiries 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