vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicard has me listed as a authorized user for a card I never applied for or signed anything for. I have tried calling citi card but they no info with my information they said I need to know who opened account on put me as a authorized user. Which I dont know.

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 2022-10-06 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: WA

Complaint narrative:
In accordance with the Fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.

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 2022-10-06 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 with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an action without my written instructon.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either Experian promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXXExperian product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
Yesterday ( Wednesday XX/XX/XXXX ), I bought a debit card from Netspend from XXXX. I put {$40.00} in the card. I tried activating it multiple different ways, one of them being through the website, the number, online, every number they provided for customer service and when I tried activating it over the phone they asked for my social security number, my gmail, my date of birth, my name, my address, and the number of the card. Right after I provided all my information, I was told I had to submit my personal documents like my social security number and my identification card to their email. I didnt understand what the reason was behind asking for my information and then saying that I had to submit my personal documents to their site right after I had provided all my information to the lady and had already payed for the card.

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 2022-10-06 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: WA

Complaint narrative:
In accordance with the Fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either XXXX promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXX product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either XXXX promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXX product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
The response from Selene Finance to CFPB is incorrect. My application for loan modification the income section is incorrect. Income reported on my application {$4500.00}, Selene reported income to CFPB {$6700.00}. Errors on Social Security amounts. Rental income I reported {$800.00} monthly, Selene reported {$2600.00} of Rental Income on their report to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a 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 2022-10-06 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: TX

Complaint narrative:
I had already submitted a complaint XXXX A few dats ago and they said they they had solved the problem so I believed them. They did not fix anything, in fact theyve suspended my.

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 2022-10-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX an XX/XX/XXXX LVNV FUNDING LLC added derogatory marks on my credit report per XXXX XXXX. upon, further research, these accounts were transferred/sold an I am no longer responsible for these accounts debtors creditor did not verify these collections. Also, there was no written form of communication, contract, or signature for these accused debts at all. A bill without out a signature does not validate these debts and anyone can send a bill an say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer an I am requesting legal actions to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Previously filed complaint CFPB XXXX XXXX : XXXX Ref : XXXX XXXX obfuscated. Company acknowledges {$500.00} from XXXX was credit to each of our accounts, but refuses issue us the funds and asked we get the money from XXXX in there response. There is NO RECORD of Serve making any such return NOR have they provided any record. In fact, there response DOES NOT MENTION that they return the funds to XXXX. They need to return the {$500.00} to each of us that was properly credited and acknowledged by them. If they did unnecessary and potentially illegally return funds to XXXX, they need to provide a written record and contact information from XXXX that acknowledges XXXX received the funds and it is to be credited to us. XXXX has no record. The number for custmor service and asset protection is XXXX ( XXXX ) XXXX. There appears to be serious negligence on the apart of Serve and obfusaction by their legal team addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of a fraudulent transaction consisting of using the XXXX  platform on chase on XX/XX/2022. The amount was of two transactions of XXXX each or XXXX in total. I went to my bank and they said there was nothing they could do to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: SC

Complaint narrative:
I have a fraud active alert on my consumer report from transunion. I never gave consent or asked for this fraud alert on my consumer report. I want them to immediately remove all fraud alerts from my consumer 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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
At the end of XXXX, my credit score randomly dropped XXXX  points. Worried and frantic, I checked to see what had changed on my credit score as nothing major has changed with my credit that I was aware of. Hyundai Motor Finance has apparently stopped reporting my loan which plummeted my credit score big time despite me still having an open account with them. When I tried contacting them to figure out why, they told me they could not help me and had no explanation as to why.

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 2022-10-06 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
While trying to repair my credit I noticed a collection from AD Astra Recovery solutions on my credit report. I have never contracted with this company and demand that they cease and desist any further negative reporting on my consumer report. I am refusing to pay this alleged debt as I have no obligation to pay anyone that I did contract with. This company can not produce a signed contract that I have with them as I have never done business with them. I demand the deletion of this account immediately. This company is damaging my credit and attempting to extort me for payment by the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
April 19,2017 08 Synchrony Bank {$320.00} account file # XXXX. In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXXSynchrony Bank 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought a NetSpend prepaid visa card at the XXXX pharmacy on XX/XX/XXXX. 
I loaded {$400.00} on to this new NetSpend prepaid card on this same day XX/XX/XXXX I tried to activate prepaid card at home after purchase on XX/XX/XXXX Was told I was not gon na be able to activate it use this card at all and the only option for me so they are gon na mail me a check in the mail. This check didn't get mailed off to me until XX/XX/XXXX ( was told with in 10 business days ) would receive my check in the mail. Expected delivery XX/XX/XXXX The check still did not come in the mail as of XX/XX/XXXX Now when I called on XX/XX/XXXX I was told I have to give them ( 48 hours- business days ) longer plus a weekend to do a trace on the mailed check and get a update. 
Was told on ( Monday, XXXX XXXX ) to now wait until ( XX/XX/XXXX ) to allow full ( 15 business days ) from the, US Postal Service, due to possible mail delivery, delays causing possibly the later delivery date. 
I now have waited the extra + ( 5 business days ) until ( XX/XX/XXXX ) as told to do for possible delays. I sttill have got no results or update with any information on the trace they supposed to have done on my mailed check ( XXXX XXXX ) now told I have to wait for another 10 business days to have another mailed check sent to me!!! What happen to the first one? I have waited over a month now and counting to get my refund of {$400.00}!!!!

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 explanation