vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My brother sent me an antique clock by XXXX from New Hampshire to my vacation home in XXXX XXXX XXXX, XXXX. The charge was {$400.00} for this clock. This was sent on XX/XX/23. 

The clock never showed up and got stuck at customs in XXXX, XXXX. XXXX said they couldn't deliver the clock and were going to send it back to NH. I told them to send it to my main residence in XXXXXXXX XXXX instead where my inlaws live as well. 

XXXX never mentioned there would be any charges to reroute the package since they wouldn't deliver it to the original destination as promised. They just said to make a XXXX account and they would send it to that address. I did this then all of a sudden a week or two later I found a {$1400.00} charge on my Capital One  credit card on XX/XX/23. 

This is a fraudulent charge and I never authorized any additional charges other than the original {$400.00} charge to ship from NH to XXXX. 

I have made numerous attempts to dispute this charge and fraud by XXXX to Capital One and neither company will do anything about it and say because we signed up for a XXXX account that gives them the right to charge whatever they want, which is absolutely absurd. It is approximately 30 miles from XXXX, XXXX to XXXXXXXX XXXX and they just decided to charge whatever they wanted without informing me or telling me there would be any charge whatsoever. 

I have email proof of all this and attached all kind of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I received my statement from XXXX XXXX stating that they didn't receive my XXXX 's payment of {$82.00}. I immediately called and the XXXX representative said that because I was a good customer and had never been late, that she would waive the interest and late fee. The outstanding balance was immediately paid. Then in XX/XX/XXXX I received my statement and I was given a credit of the late fee of {$29.00} but then I was charged a {$40.00} late fee and some additional interest. I immediately called again and was told that they understood the error and would remove the fees and interest and I again made my payment. In XX/XX/XXXX I received my statement and was again charged late fee for the outstanding interest of {$4.00} which I was told would be removed. Every month I have called and sent letters and the late fees keep adding up until finally in XX/XX/XXXX, XXXX decided to charge off my account. I am horrified as I have never in my XXXX years ever paid a late fee or interest. I did have good credit but now XXXX has really hurt my credit score with the fabrication of late fees and unfair interest. I no longer shop at XXXX which is a shame because it was one of my favorite

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over XXXX  years and should not be on my credit report at all after XXXX years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX - {$1500.00} ( XXXX XXXX ) XXXX XXXXXXXX - {$810.00} ( XXXX XXXX ) XXXX XXXX {$150.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) None of these are my transactions, yet they are on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: DISCOVER BANK
State: FL

Complaint narrative:
Account was charged off and closed XXXX. XXXX and XXXX I called collection agency company to tell them Im no longer working and on a fix income. They replied so what you have a debt. I told them at the time I can only afford $ XXXX  monthly they stated unfortunately that will not work. I replied my account charged off/closed-why are you guys still opening and reporting a closed account. They stated because we can. Company constantly call my phone I had to block number. Now its XXXX they starting to report closed account once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: KS

Complaint narrative:
Filed the administrative process outlined by the Bill of Exchange Act, Federal Reserve Act sect 16/29 and XXXX. This is the proper way to discharge a debt. They failed to respond to my numerous certified and notarized letters. They are now in default and they should comply with the instructions given in the letters. They have received a certified XXXX XXXX XXXX letter. They still choose to ignore and violate my rights anyways. They still are harassing me by call me on the telephone twice so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DigniFi
State: MD

Complaint narrative:
I have been making attempts to pay my debt to the company Dignifi and they are not accepting my payments. 

I have been calling to make payments for more than XXXX months, and the company tells me they are sending my account to collections but will not tell me how to reconcile the debt. I have sent an email to the company in an NOI ( Notice of Intent ) action, but the company will not answer. From XXXX to XXXX the company will not take my payment, and I owe about {$3400.00} so I can make payments if they accept them from me. 

Company Website XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX, Sc XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C . 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I requested through writing request that the following inquiries and the in its companies remove these inquiries ... .XXXXXXXX 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 XXXXXXXX XXXX .. All these inquiries were done without my consent and didn't pass thru thefraud alert have on my account but TransUnion continues to report as if committed them and I didn't. I have requested that it be removed from all credit reports and TransUnion is the only credit reporting agency how has take my request seriously. TransUnion has allowed fraud to take place and not protect my credit even I have a fraud alert but the inquiries remain. This is my third request to resolve this problem. Next time will result in legal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I went to XXXX and XXXX and XXXX provided me access to my free credit report immediately. Equifax denied me access and told me to call customer service at XXXX, but all I got was their stupid XXXXouch-tone bingo menu system. No human ever came on the line. 

Equifax is a lousy company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: The CMI Group, Inc.
State: GA

Complaint narrative:
In accordance to the fair credit reporting act, Credit Management LP, has violated my rights by reporting a debt of {$160.00} for Account # XXXX with XXXX, XXXX and XXXX credit reporting agencies .

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 604a Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I made payments on this card in XX/XX/XXXX & XX/XX/XXXX without realizing I have never use the card or should I say, had the opportunity to use the card. 

Any charges on this card are UNAUTHORIZED!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX, did a pre-qualification for financing with Carvana LLC on that very same day I placed an order for a XXXX XXXX XXXX XXXX XXXX. I provided all necessary documentation for approval I provided documentation between XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I was approved and had a delivery date set for XX/XX/XXXX. I called on XX/XX/XXXX and had the delivery date rescheduled for XX/XX/XXXX. On the date of delivery I got a call from XXXX claiming shes a specialist at Carvana LLC which is a vague statement what does she specialize in? She stated I provided a paystub and whenever a paystub is provided they have to verify income even if thats not a requirement. When I applied I never was ask for income verification I submitted the paystub to verify my address. They asked for identity verification and address verification never for employment verification but yet XXXX tried to verify my income 3 hours before my delivery time. XXXX asked me for additional information which was my manager/ supervisor contact information I successfully provided XXXX with such information, XXXX stated she would call and verify my employment/income which was not a requirement. XXXX contacted me 30 minutes later and admitted she did not contact my employer instead she did her own research which is her opinion so she canceled my vehicle delivery based on her opinion about the company because they dont have a website but theyre registered with the state. XXXX stated unfortunately because my employer doesnt have a website and she couldnt verify employment I would not be getting the vehicle I was promised. XXXX also made it impossible for me to get financing with Carvana LLC. This call with XXXX took place approximately at XXXX am XXXX on Wednesday XX/XX/XXXX I called Carvana LLC and spoke with a different advocate after speaking with XXXX her name is XXXX she stated that is was unusual for them to call right before delivery and she stated that someone inappropriately approved my purchase on their end. I am deprived of a vehicle because of Carvana LLC advocates and their opinions. I have reason to believe that this is a discriminatory action that was taken along with deceptive business practices on Carvana LLC end. Carvana LLC and their affiliates mislead me having me thinking I was getting a vehicle and in fact I wasnt. You cant approve someone and then not give them their goods. All underwriting should have been completed before APPROVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have {$400.00} stuck in my apple  account an they havent gave me no reason to why my account was locked an keep sending me off abt it basically telling me its nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I deposited {$1600.00} into a Bank of America atm. Once I deposited the cash I was only credited {$300.00} and a receipt with a number to file an electronic claim. After filing the claim the next day I went to the branch who informed me that the atm was cleared out already and It will be fixed in 48 hours. It had been full week and I continue to get the run around, with no explanation and I was denied provisional credit all because of their atm. I continue to call everyday out of frustration and nothing is handled or figured out. I deposited the money XX/XX/2023 to pay my bills and now I am behind and have to pay extra late fees and its extremely embarrassing considering I work very hard for my money and nothing is being done to resolve this issue for me. There is cameras on the atm machines and the machine is cleared out almost every day!! The ATM knew that they missed counting my money or else they would not have printed me a receipt telling me to file an electronic to claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for XXXX XXXX XXXX  I have had success with XXXX, but both Transunion and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. Transunion has a dispute center on their website which does not work. After calling Transunion, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed Human Trafficking record in the US MAIL and send it to a po box and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of human trafficking. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my abuser and the student loans I was forced to take by my abusers. I can not get the other bureaus ( Transunion and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of trafficking, by using, for example, confirmation questions a victim of trafficking could easily answer to prove their identity and other non-documentary means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: AZ

Complaint narrative:
I am writing to address an ongoing issue with XXXX, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I have made multiple attempts to correct a problem regarding certain inaccuracies on my credit report, but XXXX has consistently failed to provide the necessary information despite my valid proof. This continuous failure to comply with the FCRA 's rules of procedure has compelled me to bring this matter to your attention, and I kindly request your immediate action to resolve this issue. 
As a consumer, I have the right under the FCRA to request and receive certain information from consumer reporting agencies, such as XXXX. This includes the right to obtain copies of my credit reports and the ability to investigate and dispute any inaccurate or incomplete information contained within them. The FCRA further stipulates that consumer reporting agencies must respond to these requests within a reasonable timeframe and provide a method of procedure for resolving adverse actions. 
Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
Address is not mine XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-06-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have had my credit drop tremendously no late payments and this is after I challenged transunion on my score and put a claim in with you all. Also I told the company XXXX XXXX  I was reporting them for saying they reached out when they didnt saying transunion didnt give them the correct number on file and the next day I got an email stating my fraud protection was removed. Then my score starting going down out of no where by transunion only and as you can see no other hard inquires were placed on my account but XXXX XXXX who lied about contacting me, and also only XXXX points were reduced at the time. Transunion went back in and reduced it by XX/XX/25 points without a reason and they cant say its due to the prior hardship because they were checked a month apart

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