vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting an investigation into Trans Union for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Trans Union has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
Fortive. 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 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 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 These unauthorized hard inquiries have raised serious concerns regarding Trans Unions compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and Trans Unions failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Trans Unions practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to Trans Union, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to XXXX XXXX  through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this FTC Identity Theft Affidavit to report fraudulent accounts on my consumer XXXX credit report that I do not recognize and which are the result of identity theft. These unauthorized accounts include XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX under a unique account number ( not disclosed here I request that these fraudulent entries be removed from my consumer credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws.

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 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX I do not have a contract with Caine & Weiner, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Recently checking my credit report I have noticed that I've been a victim of identity theft and found numerous credit inquires I have no knowledge of, here are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these inquires from my credit report. 

I have also attached my identity theft report as well.

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 2024-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I completed an online application for a Capital One 360 Performance Savings account.

I completed all the prompts, including significant amounts of PII ( social, address, date of birth etc ). I went through each step, and the final screen said that I needed to call a phone number for more information. I also received an email regarding the phone number being added to my account, as well as a text message related to the account. 

I immediately called to complete the application. I spoke to an associate who could NOT locate the application with any of the information I provided. The associate provided two possible scenarios : 1. There was a glitch or 2. The application was denied. At this point, this is an unacceptable disposition. It is likely not a glitch in the application, as I received emails and texts related to the application meaning it went through. If it was a denial, I should have received a denial message or correspondence. After all, I just submitted my PII to the company. 

I asked for a supervisor to look further into the situation. The supervisor claims that he located the application, but it can not be verified. The supervisor stated the application was denied, but also claimed it needed further verification. It can not be both. Either the application was denied and we move on, or further steps need to be completed. The supervisor could not describe how further verification would be completed. 

At this point, I have ZERO idea if an account was generated or the disposition of how my PII was used. If there was a concern over identity verification, there should be a way to verify my identity to continue the application. I feel confident that application didn't tell me to call, to be given vague description as the status of my account. 

Do I need to apply again? Did my application work? When can I apply again? Hard to believe it being this difficult to apply to a place to give them {$50000.00}. 

I ultimately want to know the correct disposition of my account, and what part of my PII couldnt be verified. I would also like to know why there was no attempt to verify the PII. The entire process has left me feeling uneasy about Capital Ones handling of PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
Dear XXXX, please remove the following accounts listed in the files below. These accounts has been reported fraudulent. I was able to report but I am asking that you guys delete the following accounts. Without those accounts I have a very good credit history.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute a late payment thats listed on my credit. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 ( a ) it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 1681n ( B ), consent from the consumer is required before furnishing information on their behalf to date, I have not granted such authorization to XXXX credit. I was never 30 days late and Ive attached proof including bank statements.

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 2024-09-15 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: IL

Complaint narrative:
I am writing to dispute a late payment thats listed on my credit. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 ( a ) it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 1681n ( B ), consent from the consumer is required before furnishing information on their behalf to date, I have not granted such authorization to XXXX credit. I was never 30 days late and Ive attached proof including bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, around XXXX XXXX. I used Chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . 3rd ATM is on the right side when I go in. There was a security camera and there was a security guard. I used my phone and tapped on the ATM. I deposited cash of {$2100.00} in {$100.00} dollar bills. It spit out {$300.00} and I clicked on deposit more and I put {$300.00} back again. The ATM spits out only {$100.00} this time. So {$2000.00} was put in with all {$100.00} dollar bills. It was finalizing the deposit but, no receipt was given. It didn't print out the receipt. On XX/XX/year>, I tried using my debit card, and it says I don't have money. I checked the account online, and {$2000.00} wasn't showing on my account. I called and filed a claim with Chase, and they said they would give me {$2000.00} while they investigated. So I thought everything was settled, but now they reversed the claim of {$2000.00} and they are saying that they couldn't find anything. I told them to check the security footage and ATM camera but they are saying what they can do is to re-investigate but they can't show me any proof or security footage. It's not a small amount of money that was put in. It's the ATM machine there's something wrong with it and I am the victim here and they are acting like they can't do anything about it. Chase is not a small company, if there is something wrong with the ATM, they should do something about it. This is ridiculous. Please help me solve the problem. They took out my {$2000.00} and are not giving me back my money. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My identity was used for an application at an apartment complex. I had no idea. I have never been associated with this apartment complex and later found out my data was leaked in an XXXX XXXX XXXX breach. I filled out and followed the steps outlined at identitytheft.gov. I then called the debt collector stating that my identity was stolen, I dont know who applied for this apartment. Ive never been associated with that address. The debt collector advised they would be sending me some paperwork, and I would need to get it notarized and send them a bunch of copies of some utility bills showing my address and proof of homeownership. I never received the documents at my address, and it is still listed as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hard inquiries needs to be removed. XXXX XXXX XXXX are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time XXXXm now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from XXXX bank could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. thank you

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 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In XX/XX/year>, I applied for the apple card. As stated in the promotional link, there should be {$100.00} open card bonus. But I never received that. I contacted Godman sachs for three times. Everytime they will ask me for a screenshot of the promotion link. I provided that. They said they will build that case. Then next time they will let me submit the screenshot again. This is an endless cycle. They just don't want to offer the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX furnished and shared information without my written consent or given an option to opt out. All rights were violated under the free credit reporting act, and the consumer laws not being followed as the company XXXX removed a report upon request due to consumer law violations, but later furnished and shared The same information without notice it is my understanding that you are in violation of consumer laws under the fair credit reporting act you are violating my consumer rights and I demand the accounts be re-removed immediately due to violations of not notifying me and or producing any proof of contract

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 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I was trying to transfer money from my account with XXXX XXXX XXXX to my SoFi account. The amount was {$3500.00}. The money wasnt moving after trying a few days, and it wasnt until the last day I tried that I was told that there was an XXXX freeze on my XXXX account, which was why the funds werent moving. SoFi restricted my account, treating it as if it were a bounced check. And I figured I could wait until the following Monday for them to undo the restriction. That was around the XXXX XXXX XXXX, and it is now the XXXX. Ive made multiple calls to SoFi to ask for progress on the decision for my account, but every time was told that they cant tell me how long it would take for them to reach a decision, and that I would just need to check my app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Purchased AMEX eGift card directly from AMEX on XX/XX/XXXX XXXX in the amount of {$750.00}. In my many attempts to use the card, transactions have been declined at XXXX, XXXX, XXXX ( my regional trash collection company ), and XXXX XXXX, all via online transactions at their respective web site payment portals. I have called the phone number provided on the AMEX eGift Card ( XXXX ) several times, but found it to be 100 % automated, with no ability whatsoever to access a human, and none of the automated decision tree options are relevant. Note : their automated system does provide a blanket statement to all callers that ( paraphrased here ) 'due to fraud issues, online transactions are often rejected, and that the solution is the cardholder USE THE CARD ELSEWHERE ... '', which is an absurd " solution '' for a card that is advertised as " Your American Express XXXX Card may be used at US merchants that accept American Express Cards '' ( printed on the actual eGift Card, and plastered on the website where the card was originally purchased ). I don't want to use it " elsewhere, '' I want to use it at the place ( that does indeed accept AMEX ) I was tryinig to use it at. Further, while I was successful in using this now semi-useless eGift card at a few generic retailers ( XXXX, for ~ {$25.00}, and a local city recreation department class signup for ~ {$22.00} ), I have not been able to retrieve my card balance or view transactions on the AMEX " balance '' website at https : //balance.amexgiftcard.com/. I have tried to use this site at least a dozen times in the past 2 weeks, with the results always being several error messages -- one red error message at the top of the page reading " The system has experienced an unknown error. Please try again later. '' and an inline error under the " Transactions '' section of the page that reads " Error Retrieving Transactions. '' And additionally, under " Available Balance, '' the line is blank. At this point, the card is nearly useless as I can not use it for the intended purchase of paying several bills -- since my attempts have all been declined. It's frankly, embarrassing, that a company with the long-standing business reputation of being 'best in class ' would offer such a fundamentally broken product to its " valued '' customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was a Victim of identity theft, someone using my name and social security number. 
Please review and sign your identity theft report. 
This is your official statement about what happened to you. 

Federal Trade Commission : IdentityTheft.gov FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Phone : XXXX Email : XXXX Personal Statement I lost my wallet about 5 years ago in XXXX, ever since then I been a victim of identity theft. please call me at XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : CAPITAL ONE Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX  Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$500.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, CLEAR Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXXXXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

Company response to consumer: Closed with explanation