vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX reporting late payment and I requested information for experian and they have failed to provide the information which is a violation of 1681 for inaccurate information. I have disputed on XX/XX/XXXX and XX/XX/XXXX after getting a updated on the report with no validation 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
Consumer complaint received 2024-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out multiple for this account to be investigated and verified but not once did I get the original contract as I requested, I also asked them to show how the company verified my account and was not shown either this account is from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: TX

Complaint narrative:
I had an active XXXX XXXX account for many years until mid last year. My account was suddenly closed and all my money in the account returned. I tried to call and see what I could of done to have this happen to me and then and since then they just say I violated their terms and conditions but do no explicitly say how and why and what for. I have since tried to get another account but they are illegally storing my info in their system because I asked back in XXXX for it to be deleted but unknowingly because when k try to re sign up it says my email address and phone number are blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
Case ID XXXX Name XXXX XXXX XXXX Macys Credit card # last XXXX digits XXXX Total amount {$440.00} Police Case # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Order made online at XXXX XXXX # XXXX. on XX/XX/ According to Macys, merchandise was left at a secured location, but the tracking numbers stated was supposedly left at the front door. 
Is very disrespectful for macys to blame me for their mistake by wanting to charge me a merchandise never received.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
There r names on my credit report. XXXX my address says Georgia. Please help take that offf as it is not my address. Also on XXXX it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on Equifax the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with equifax and need help to protect my identity. I had fraud which caused me to close debit card and XXXX dollar loss and had XXXX usd lost in XXXX account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling XXXX and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from equifax and fraud. It also caused me to not have a credit report score and I was denied a cc. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: BELMONT FINANCE LLC
State: NC

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 0 2 states I have the right to privacy ( 15 usc 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. 

XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XX/XX/XXXX I got an email that I had a username and password created and a checking account made in my name with ally bank. I dont do business with them and it wasnt me. 
So I called and they said it would be closed, they didnt close it. I continued to get emails that they added a XXXX XXXXXXXX bank ( which I also dont have ) for transfers. Ive sent letters, Ive emailed and Ive called ( and been hung up on ) they wont close this fraudulent account. 
If its not permanently closed I will be getting a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: OneMain Finance Corporation
State: AL

Complaint narrative:
Obtained a {$2000.00} loan from one main financial in 2021. Paid all but {$200.00}. One Main sold the debt to a third party who proceeded to initiate collection on the original loan amount plus interest. The third party reported the amount due every 30 days to my credit report which changed the origination date each time and thus not allowing the deletion time frame to run.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: 1st Franklin Financial Corporation
State: KY

Complaint narrative:
Hello, First of all my apologies if this isn't directed to the correct department. That said, I would like to bring to your attention a marketing tactic being used by 1st Franklin Financial. 

The company is sending people " Real Checks '' as disguised Personal Loans. If deposited, that will constitutes the acceptance of a personal loan ( or result in a bounced check fee from my bank ). 

This practice of sending of checks ( discussed as a personal loan ) is highly predatory. Given this marketting practice makes it too easy to unwittingly accept a personal loans. Frankly, I'm surprised it doesnt already fall under existing CFPB regulations. Regardless, I hope this type of marketing can be stopped. 

I have not redacted my personal information ( though would ask it be if shared outside the organization. ) I've attached copies of the XXXX pages included in the communications from 1st Franklin Financial. 

Please feel free to reach out if I can be of more assistance. 

Thanks, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX I booked a stay on the Capital One XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/2023 to XX/XX/ ( confirmation number : XXXX ). In total, XXXX {$1600.00} was charged, with {$300.00} travel credit from my Capital One travel bank, and {$1300.00} being charged to my Capital One card ending in XXXX. These screenshots are attached below. 
When I arrived at the property on XX/XX/ at around XXXX, I was informed that I had no booking with the property. The front desk then told me that the reservation I had was cancelled because of a cancellation of the third party that Capital One used to book the reservation. I called the Capital One travel support, which said that they would give me a refund for my booking along with a {$100.00} travel credit as compensation. 
Since then, I have called Capital One multiple times ( XXXX times ) regarding my refund. I have been told by the representatives that they will contact the hotel partner and hotel to give me a refund back. The property has me a partial refund of {$980.00}, credited to another credit card ( not the original capital one card that I booked with ), but Capital One XXXX, which I booked with, still has not given me any refund. XXXX attached below. 
It is unacceptable that after over a month timeline without a proper booking reservation, Capital One has still not provided me with a refund, after reaching out over 5 times over the span of a month. Each time, I am told I will get a call back with a resolution, and each time, that does not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
Applied for a loan through speedy cash they over drafted my account by XXXX dollars. I have number they were using XXXX. XXXX XXXX said his name was XXXX XXXX are both numbers he used. 

XXXX. 


XXXX is a account number of his to a XXXX XXXX link

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a check from my brother in law it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I engaged with Greensky via XXXX XXXX XXXX ( a window replacement company ) in early XXXX of XXXX. Their financing terms were attractive, and that route worked best for our family 's finances. The work was completed on XX/XX/XXXX. I received my first paper statement to pay in XXXX and went to their website to make payment arrangements. I made my first payment. Their system accepted my payment of {$330.00}, and I went on about my business. I did and have been doing the same thing every month as I am supposed to. 

On XX/XX/XXXX, I logged into my account to make my payment to find a screen in red stating that I was now {$1000.00} BEHIND in payments. I accessed my profile and confirmed yet again that the XXXX routing number to XXXX XXXX and the account number is also correct. I called in immediately and filed a complaint with GreenSky. Several days later, on XX/XX/XXXX, I was emailed for the first time regarding the complaint I lodged with them about this nonsense. It is now the XXXX of XXXX, XXXX days later, and not only has nothing been done, but now I have a late pay on my credit report according to an emergency email I received from XXXX, NOT from GreenSky. None of my statements until this XXXX statement indicate I am tardy/late. I am paying them ; they are not taking my payments. I filed my second complaint today XX/XX/XXXX. 

Additionally, and this is the crux of this complaint. GreenSky, a bad actor, in my opinion, has NEVER contacted me regarding any issues with my account, and by never, I mean NEVER. I have never received a voicemail, text message, email, or regular paper mail indicating or alerting me that there is an issue. It is my understanding, pursuant to Title 12 Chapter X part 1006 section j, that creditors MUST leave, at least a limited message pursuant to section j1. Had any of this happened at any time, indicating to me that there was an issue, I would have responded immediately and attempted to correct any issues with the account. 

When I contact them, I get pushed all around talking to this person, then that person, and so on and so forth. I filed a complaint ( s ) that nobody did anything about, and now I have a late pay that really isn't a late on my credit report.

Team CFPB, I need help. I need protection from GreenSky as I am being victimized by a company that is too big to seemingly be held accountable. I only opened this account for convenience and my ability to make more interest on my investments than the amount of interest being charged. GreenSky must be pulled into, at least, federal compliance with their debt management practices. Please help me I feel powerless in the face of these big companies. Thank you for your time, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I initially opened the account and was informed that it would be active within a specific timeframe. 

I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. 

I visited the branch in person to seek assistance, but unfortunately, the problem persists. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the specified timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : 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 non-monetary relief
Consumer complaint received 2024-01-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting a debt that is older than 7 years and inaccurate. 

Veros Credit XXXX over 7 years XXXX XXXX XXXXXXXX XX/XX/2018 missed payment is inaccurate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX 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 of 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 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I paid off a loan of {$910.00} in XX/XX/XXXX. Speedycash said XXXX XXXX  retraction was done on XX/XX/XXXX. My bank said that didn't happen. Now Speedycash has the loan in default status. I've emailed XXXX times show bank statements loan was paid and no retraction. I've spoken with customer service and collections department over 30 times. They tell me emails not received or attachments not received. I need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.

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