vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
I paid off my debit if XXXX $ back in XX/XX/XXXX and I was told I will receive a letter of confirmation that I owe XXXX balance and my account is now satisfied

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: GA

Complaint narrative:
YOU ARE IN VIOLATION, Per the FCRA AS A FEDERALLY PROTECTE DCONSUMER I AM NOT OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL, KNOWN AND UNKNOWN 15 USC 6802.THE FOLLOWING COMPANIES HAVE ACCESSED MY CREDIT REPORT WITHOUT ANY PERMISSABLE PURPOSE AND EQUIFAX HAS FAILED TO PROVIDE ME MY DISCLOSURE TO OPT OUT OF UNAUTHORIZED REPORTING. YOU DO NOT HAVE MY WRITTEN CONSENT TO REPORT THIS INFORMATION. PLEASE UPDATE MY CREDIT REPORT IMMEDIATELY, YOU CAN NOT VIOLATE ME FOR OPTING OUT AND I CAN SUE FOR {$1000.00} PER VIOLATION.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not associated with any of the address on my report only one is correct

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not associated with any of the address on my report only one is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
For several years and continuing to today, CapOne 360 Savings Account paid frozen interest of 0.3 % to my long time savings account while creating a CapOne 360 Performance Savings Account that advertised at over 4 % on its main page to new customers. I was never informed that they had frozen the interest rate at a nominal amount in the 360 Savings Account. In fact, they dont even offer that 0.3 % account to any new customers but still have kept long time customers in it. The only way to get the higher rate is to close the old savings open a new one. This is deceptive advertising and bait and switch from the legacy account that I was in. 
Thank you for your attention to this matter. 
XXXX

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 — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three major credit bureaus XXXX, Trans Union and XXXX solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased 3rd party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?

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 — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three major credit bureaus XXXX, XXXX XXXX and Experian solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased XXXX party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?

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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
The car dealership spokesman for XXXX XXXX advised me to tell Santander Consumer USA a lie. He told me to say I work for XXXX instead of XXXX. So he can get profit, and there was a big scratch on left side of the passenger door. I did note that problem to customer services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have over {$33000.00} in savings with Capital One. Those funds were supposed to be making 4.35 % interest but were only actually paid .3 %. I have transferred all that money out of Capital One but would like to be reimbursed for the interest that was not paid as advertised.

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 — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three major credit bureaus Equifax, XXXX XXXX and XXXX solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. 

Is this not an obvious conflict of interest? 

How can a supposedly unbiased 3rd party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?

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: GA

Complaint narrative:
I've noticed some accounts on my credit report that I don't recognize, and it seems like they might be due to identity theft because I never authorized them. I've raised this concern with you before, and I'm writing now to request that these accounts be removed from my report as soon as possible. Dealing with the stress of having these accounts on my report has been tough. They don't reflect my actual credit history or my financial responsibilities, and it's been challenging to cope with the impact.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this account with the CRA 's asking for validation of the debt and they have ignored my request and refused to validate the account as I requested, instead they are saying this account is being validated but not providing proof of validation. Please be advised that 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 rights 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 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Xref : complaint ID XXXX XXXX story short, one of these financial institutions has essentially stolen {$490.00} from me, and neither will acknowledge. 

On XX/XX/year>, I instructed my financial institution Dave.com to issue a check to my private party mortgage holder and send it directly to her bank XXXX XXXX  XXXX XXXX ). 

On XX/XX/year>, my private party mortgage holder advised that XXXX  XXXX XXXX had charged her account for a returned item. I subsequently deposited another payment for XXXX, and followed up with Dave.com. 

After multiple emails, letters and telephone conversations, Dave.com insists that the check was successfully cashed and provided a canceled check as proof of payment. 

I wrote to XXXX XXXX XXXX on XX/XX/year> with a copy of their returned item as well as proof of payment from Dave.com. I received no response. '' I filed a first complaint with CNFB ( XXXX ) and received a response from XXXX XXXX XXXX that they had made no error, and refused my complaint, Documentation of both the returned item and canceled check are attached to the cross referenced complaint, One of these financial institutions has my funds, and I want then returned.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Heres a letter Ive used in the past : Subject : Complaint against Trainsunion Dear Consumer Financial Protection Bureau, I am writing this formal complaint against TransUnion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that TransUnion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Trains-union may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, TransUnion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that TransUnion rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of Trainsunion reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern

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: TX

Complaint narrative:
Experian continues to report a XXXX XXXX  cell phone account on my credit that I never opened. I have never been a XXXX  customer and have absolutely no knowledge of the account. They have not provided any information to substantiate the 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 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Again, XXXX XXXX is a bankrupt corporation that is begging for money which is fraudulent. Now they are using a 3rd party company called Radius Global Solutions LLC to obtain this fraudulent money. 

They need to cease and desist this practice and this radius Global Solutions needs its license revoked.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX and XX/XX/XXXX, I engaged in XXXX transactions with XXXX XXXX. During these transactions, I was assured of receiving specific marketing services and assets. Additionally, I was guaranteed a refund should the company fail to deliver satisfactory results. Despite these assurances, XXXX XXXX charged upfront fees for services that were not completed and failed to produce the promised marketing assets. I was required to send merchandise valued over {$400.00} for asset creation, yet only one asset was developed. This discrepancy between the company 's commitments and their actual performance is a matter of concern. 

I attempted to resolve these issues by contacting both the owners of XXXX XXXX and the assigned marketing representative, but my communications were met with no response. 

Furthermore, I have faced challenges with Cash App, which has consistently supported the merchant without requesting any documentation or conducting an investigation. The marketing services, for which I expended over {$7000.00}, were deemed inadequate by standards set by several prominent marketing firms. My requests for a chargeback were denied by Cash App, citing the absence of errors and refusing to review or investigate the matter. Customer service interactions have been unhelpful, often resulting in terminated conversations. 

Additionally, my discussions with a personal contact at XXXX XXXX  suggest that more rigorous investigative measures should have been undertaken, including soliciting further information from me, in accordance with established guidelines. Regrettably, I was not provided the opportunity to present my case or the relevant details. 

I find it increasingly frustrating that as a hardworking individual in my demographic/race, I am subjected to such practices where a company like XXXX can XXXX to honor its commitments without any repercussions. The automatic siding of the bank with the merchant, without considering potential fulfillment errors or merchant abuse, is concerning. The issues encountered include misrepresented products, unfulfilled service promises, and a failure to issue refunds. Despite offering XXXX XXXX opportunities to address these issues, they have remained unresponsive to communications, whether via calls or direct inquiries about the service progression XXXX days into the agreement. 

This situation represents a failure to honor contractual obligations and a lack of accountability, leaving me without recourse for the significant financial and professional impact suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I noticed that my ApplePay was blocked. I do not use this for transactions and wanted more information. It shows a transaction for Apple XXXX in XX/XX/XXXX which is did not authorize. I have never used Apple XXXX to download anything. Called ApplePay several times. Attempts were fruitless. I was told to contact Goldman Sachs bank. I explained and disputed the charge. Young female agent said she could not remove or refund because it did NOT meet the requirements. I repeatedly asked for explanation and what the requirements were. Girl agent after many delays said she could not release the formation to me. I contacted Apple again. Finally a helpful young man explained it was indeed an Apple XXXX charge in XX/XX/XXXX ( which I did NOT authorize ). He told me the app was preloaded on my XXXX. When I found the XXXX app is says welcome as of never used. I took screenshot. I have never used Apple XXXX and did not authorize the transaction. Neither Apple nor Goldman Sachs will remove the fraudulent charge or give me a reason why they will not. I have spent several HOURS trying to get this charge removed. They refuse. If I had inadvertently used the service, I would find a way to pay the charge. As I said, I did not authorize the transaction nor download any music I have sent the information to XXXX XXXX XXXX and our Ky XXXX of XXXX. I did not authorize this transaction ; my phone will prove I have never used Apple XXXX. This is theft/fraud and I can not get any resolution. My Apple account is XXXX. My phone number is XXXX. This is fraudulent and wrong. They are ruining my credit for {$12.00}. Please help.

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: GA

Complaint narrative:
I've noticed some accounts on my credit report that I don't recognize, and it seems like they might be due to identity theft because I never authorized them. I've raised this concern with you before, and I'm writing now to request that these accounts be removed from my report as soon as possible. Dealing with the stress of having these accounts on my report has been tough. They don't reflect my actual credit history or my financial responsibilities, and it's been challenging to cope with the impact.

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 — 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2023, i booked a rental car for my road trip ( XXXX ) from XXXX XXXX XXXX XXXX California XXXX Oregon and Washington states XXXX 

The booking was through the XXXX app downloaded in my phone. this was actually my first time to use it and i will never use it again after this nightmare dispute! 

Although the booking with XXXX, the billing or payment was through XXXX XXXX XXXX that showed on my Chase credit for the charges. 

I booked twice on the XX/XX/XXXX. The first time, i found my picking car and dropping car times did not match with my flights ' arriving/leaving times, so i had to cancel it and rebooked it. So i was charged twice for the {$400.00}. The first charge was credited back to my chase car on the XX/XX/2023 ( Thanks ). 

But when we went to XXXXXXXX XXXX  company ( near the airport ) in the afternoon of XX/XX/2023, we were declined for a car. The reason was that this small company does not have service in Oregon and Washington States. The receptionist made a note on the booking and was sorry for the inconvenience, and asked us to get refund from the online booking system. But the online billing system ( XXXX XXXX  Hire ) did not want to refund me, so I went to my Chase card company for help. 

But even with many efforts ( many calls, two dispute letters, and many many hours spending ), Chase card company declined me. so I am here for help. I have attached all details and communications with the Chase.

Company response to consumer: Closed with explanation