vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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 — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: CO

Complaint narrative:
There is a credit card company that offers many financial products called Self INC. I have been using their credit card for XXXX years building credit. I noticed around XXXX some company named XXXX charging my card a huge amount of money over XXXX dollars a month. I notified Self to send me a new card immediately and to change my card number back in XXXX. They did send me a new card and number but refused to follow up with investigation. I noticed this fraud company had access to my new card information ( which I have no clue how ) and charged me in XXXX. I Immediately let Self know through their email portal and to send me a new card. XXXX XXXX was the same this company charged me again. Self is refusing to investigate fraud, and I believe someone at that corporation is giving my information illegally to fraud companies to do random charges. So far I am at a lose up to XXXX dollars that might never be returned. I had a lot of trust in Self but they have refused to fix the issue or help in the matter. I want this account closed immediately and they should have done so long ago. Since this account is a Secured account I am at a lose. Self also failed to launch an investigation nor did they follow up with the decision. I have lost my trust and faith in this company and believe they are also predatory by how they do not keep consumers safe from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-02 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: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the Uniform Commercial Code and U.S.C. Capital One has violated my rights to discharge according to U.C.C. 3-603 Tender Of Payment. States that the payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having the right of recourse with respect to the obligation to which the tender relates. U.C.C. 3-311 Accord And Satisfaction By Use Of Instrument, U.C.C. 3-104 Negotiable Instrument, U.C.C. 3-419 Instrument Signed For Accommodation, 12 U.S. Code 411 Issuance to reserve banks ; nature of obligation ; redemption, U.C.C. 1-308 Performance or Acceptance Under Reservation of Rights. Now I have sent out a few tender of payments which Capital One failed to credit my account with the coupon which they refused and failed to do. Lastly, they closed my account which they are not supposed to do and not allowed to do and that is to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX, I was contacted via text by Truist bank with a " one-time passcode ''. I do not bank with Truist nor have I ever had an account with them. I have had the same cell phone number since XXXX so this is not an issue of a non-updated phone number. I don't remember how difficult the resolution was but I think after a couple phone calls they stopped. 

On XX/XX/XXXX, less than a year later, I received another text from Truist with another " one-time passcode ''. I replied " STOP '' to end the alerts but got a reply saying my number wasn't verified and to call XXXX. XXXX confirmed that the number was the proper Truist support number, so I have no reason to believe this is spam or phishing. 

I called them on the XXXX after receiving the text, concerned that a bank was voluntarily sending me someone else 's sensitive login information. I got multiple runarounds from different reps, including being disconnected at least once. XXXX of them transferred me to what he described as " the XXXX XXXX department '' which wasn't even connected to Truist. XXXX of them said they can not do anything with just a phone number and that I should just ignore the texts. XXXX of the XXXX asked for my social security number to see if he could find an account. This seems like a serious lack of interest in security.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I obtained a secured loan with XXXX XXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I obtained a secured loan with XXXX XXXXXXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was being charged a {$36.00} insufficient fee on XXXX cents at Regions bank starting 2019. I went to a local branch and nothing could be done. They suddenly stopped but I was not reimbursed the money I was already charged.

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 2022-10-02 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account with Kohls XXXX XXXX  was settled, paid and closed over 6 years ago. At the time we settled and agreed as to a repayment plan, Kohls promised to remove this negative account from my credit once paid in full. To date it is still negatively affecting my credit score and they have refused to remove it. I have disputed this issue several times, to no avail. Kohls continues to report this account as delinquent accurate information which is not. I have paid them and they have not kept their promise to remove it. I have worked very hard to rebuild my credit and have kept it in good standing since my time of hardship. Please help me remove this negative account from my credit as it is far too old to still be affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXXXXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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 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 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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX BANK # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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 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 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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Money taken from checking with a fraudulent information. Open PayPal and transfer money to another person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.

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 2022-10-02 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: WI

Complaint narrative:
My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: WI

Complaint narrative:
My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
XXXX will not allow me to write my own checks anywhere for any amount. There is nothing negative in their report- my bank account is valid and good standing. Every time I attempt to write a check anywhere it's gets denied by telecheck because its '' not my usual check writing behavior. I literally have to call telecheck every single day to use my bank account anywhere

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, 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 reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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