vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX- I was trying to sell my XXXX XXXX XXXX XXXX market place. Some guy scammed me by pretending to be XXXX. I was lied and deceived by making me send him two transactions of {$300.00} and {$230.00}. 

XX/XX/XXXX - I called my bank XXXX XXXX to report a dispute claim. I received a dispute claim number and was told that a letter was going to be sent home. 

XX/XX/XXXX- I received two provisional credit one of {$300.00} and {$230.00} XX/XX/XXXX - The bank took back the credit- {$230.00} - {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 2023-01-10 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: OK

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 USC 1681. 
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 Have violated my rights 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My issue goes back to XX/XX/XXXX. I have made payments and if you look you can see how I was creditied the payment then they charged back the payments at vaious different occassions. All my payments have always been by phone only. I do not make them online ever. I now have a judgement placed against me but never received anything stating this was going to happen. The 2 amounts in question that have been recurring credits and charges are {$620.00} and {$1800.00}. The first payment of {$1800.00} was paid by phone on XX/XX/XXXX. The next payment in the issue was from XX/XX/XXXX {$620.00}. There have been credits and charges showing the payment sections for these 2 amounts. I am not sure how this happened in their system but I don't owe anything. I did speak to someone at Syncrony in XXXX or XXXX of XXXX to set up a dispute about this. It was never addressed by them. Everytime I have called the company I just get transferred from person to person and then get convenienty disconnected. I filed a cliam with the XXXX  which I will attach to the complaint with all credit card statements also.

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 2023-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to EQUIFAX on XX/XX/22 via certified mail notifying them that a fraudulent XXXX BANK account ending in XXXX was reporting on my account and it was to be removed and deleted immediately. EQUIFAX did not comply. 

I sent a second letter to EQUIFAX on XX/XX/22 and attached an FTC Identity Theft Report noting the XXXX BANK account ending in XXXX. The XXXX BANK account was finally deleted from the credit report. 

Due to needing my credit report to be clean and where it should be so I can get approved for a home, after about XXXX weeks of waiting for updates, I noticed that my credit report was not updating with the changes and decided to call EQUIFAX directly. ( I also sent a second FTC Identity Theft Report on XX/XX/22. ) I called and the employee from the dispute department assured me that the aforementioned XXXX BANK account was no longer reporting and to wait for the changes to update. I patiently waited another 2 weeks and nothing changed, so I called again. The employee from the dispute department confirmed to me again that the aforementioned XXXX BANK account was not showing on my credit file ( case # XXXX ). Since I was unable to access my report online, I asked for an updated credit report in the mail. I patiently waited another 2 weeks for the changes and my updated report and there were no changes. I called again and the employee from the dispute department told me that the aforementioned XXXX BANK account in question was in fact reporting on my file ( case # XXXX ). I am EXTREMELY frustrated. I was lied to. 

EQUIFAX is ruining my reputation by reporting this fraudulent account and are violating my federally protected consumer rights under the Fair Credit Reporting Act. I did not give EQUIFAX written instruction to report the ( FRAUDULENT ) account violating 15 USC 1681b ( a ) ( 2 ). Furthermore, having this account reporting is a violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It explicitly states that a consumer report is not to contain any information solely to transactions or experiences between the consumer and the person making the report. 

My consumer rights continue to be violated by EQUIFAX, as this account is still reporting, and this is causing my reputation much harm. I am NOT able to get approved for a home because of this inaccurate reporting. I am being discriminated against. This is causing me and my life so much harm. Per the FCRA, it is EQUIFAX 's duty to protect me as the consumer and is required to be reporting accurate information- which they are failing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX All the corporations above are in violation of my rights. Please reference the relating federal codes & XXXXtatue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency can make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) section states : 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.

15 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My credit report from XXXX and XXXX incorrectly reports that I was late for my XXXX XXXX XXXX XXXX XXXX for XXXX XXXX for the months of XXXX and XX/XX/2022. I never received a bill from Barclays XXXX XXXX XXXX ) for those months. 

Prior to XX/XX/2022, I had no balance on the account and then had an annual warranty charge posted in XX/XX/2022 for {$69.00}. The charge was correct but I never received any notification or billing from Barclays for the charge. 

I asked Barclays to investigate and they refused but could provide no proof that I had received any billing or email about the {$69.00} charge. I have had no charges on this account for many years and only learned of the late charge when I ran 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 explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I contacted Coinbase via their web site and I was not allowed to call them as they do not allow phone conversations, so they chatted with me online through their system. I went through their verification process asn they told me that the information provided was not good enough, so they sent me a link to click on to givwe them more information, and it would not work when i clicked on the link. So i tried to get a hold of the again and they have blocked me from communicating with them moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Starting in XXXX of 2021, somebody started stealing my rewards points on my Barclays - XXXX Card. XXXX Card reinstated some of the stolen points but then stopped without explanation. The fraud continued over several months and Luxury Card made little to no effort to combat the fraud. They told me several times they would reinstate all stolen rewards points " within 30 days ''. My points are still not reinstated after months of phone calls. I have done all that is requested of XXXX Card, including changing my card number, user name, passcode and verbal passcode but are still getting the run around. I am asking for CFPB assistance in getting my XXXX stolen reward points reinstated 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 non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Upon having my credit ran numerous times after only iterating to have it ran once XXXX XXXX at Texas XXXX XXXX got an approval from UNITED AUTO CREDIT for the Selling Price {$66000.00} 90-Day Limited Warranty Included 1-Year roadside assistance Included Vehicle Service Protection Edit XXXX mo. / XXXX mi. / XXXX ded. 
{$2100.00} Guaranteed Asset Protection Edit XXXX mo. 
{$890.00} Everyday Protection Edit XXXX mo. 
{$1900.00} Taxes and fees {$4500.00} Shipping Fee - Est. Subtotal {$76000.00} Due Today Refundable deposit to hold this vehicle {$240.00} FINANCING INFORMATION Down Payment {$50000.00} XXXXXXXX XXXX United Auto Credit Corporation APR 15.65 % Finance Term 60 months Number of payments XXXX Amount Financed {$26000.00} Finance charge {$11000.00} Monthly payment {$630.00} Registration AddressEdit Edric-DashayGray XXXX XXXX XXXX XXXX XXXX XXXX Delivery AddressEdit XXXX XXXX XXXXXXXX XXXX XXXX, XXXX after such interaction i never receved full disclosure or notice of all info included in contract nor did i get a chance to review truth in lending disclosures after further working and sending in documents my deal was reversed due to unforeseen circumstances which are not accurate, i was also never given the notice to optional credit life insurance included in the finance charge, under TILA i was supposed to receive full disclosure of all information involved in this closed end credit transaction within parameters of OCC and TILA creditor/lender/dealership is at fault for willingly and knowingly withholding or not disclosing all information involved in consumer credit transactions " Federal law authorizes the OCC to order supervised institutions to make monetary and other adjustments to the accounts of consumers where an annual percentage rate ( APR ) or finance charge was inaccurately disclosed under certain circumstances. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In XX/XX/2019 I requested Santander Bank to close my account. I was informed that my account will be closed shortly. Unfortunately, it recently became clear to me that Santander did not close the account until the account went negative by over {$1100.00}. And the entire negative balance is almost exclusively late fees and interest rate and overdraft fees that never would have incurred if Santander had closed the account as they promised to do. 

For years since this, I have been unable to get a checking account anywhere in the United States and it has affected by economic mobility.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2023-01-10 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: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX paid off this loan please remove it from my credit. This has been paid in full

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 2023-01-10 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act, Experian has violated my rights. 

15 USD 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section, also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was working for XXXX online company for months and I was issued a check for {$3500.00} for the work I had performed for the company. I deposited the check into my account with Bank of America. I found out the check was not legit, and spoke with XXXX, which was the guy I was working for, told him about the issue and he issued me another bad check. I again submitted to BOA, at this point I had balance on my account for {$340.00}. Bank of America closed my account, and I had XXXX deposits over {$200.00}, which BOA kept, and would not release back to the employer. This all took place XXXX of XXXX, and its now XX/XX/XXXX I can not access my account, and Bank of America has made all this XXXX  charges to take the funds in my account before I deposited any check. I have spoken with several representatives, and every time I have been told a different story. I feel if the checks were not legit, and was not deposit into my account, then I understand not receiving the funds. I am demanding my full refund of my funds that was deposit into my account before and after the deposit of the checks which to my knowledge totaled over {$700.00}.

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