vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 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: SC

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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, 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 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 2023-08-18 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
XX/XX/2023 - Cash.app. I sent {$300.00} to purchase organic food. I was provided a tracking number. The product never arrived. The tracking number was fake. The seller admitted after I pushed him that it was a scam or a fraud. That he never intended to ship anything. I have reported the scam to cash.app. They do not have a way to received documents. They will not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
I paid off my lease, and I requested a payment receipt because I'm applying for a mortgage, but they refused. and the monthly payment doesn't have a balance either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I have a phone number calling my employer falsing information about who they are, their names, and refuse to give any information. After researching the phone number I found out it is Lendmark Financial and they are calling more than 5 times a day on my cell phone, contacted my family, and my employer more than 5 times a day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
OVER CHARGING CHECKING ACCOUNT THAT WAS NEVER USED. FOUR ( 4 ) SENIOR VP 'S WHERE ALL TOLD TO CLOSE THIS CHECKING ACCT & TO DEPOSIT EMPLOYEE BENEFIT FUNDS INTO A XXXX ACCOUNT NOT A CHECKING ACCOUNT THAT EMPLOYEE BENEFIT DEPARTMENT TOLD ME TO OPEN. I HAD JUST HAD XXXX XXXX & OVER XXXX XXXX. MY CHURCH WAS HANDLING EVERYTHING BECAUSE I WAS TO ILL. 
I TOLD ATTORNEY & EVERYONE THIS BUT THEY HAVE CONTINUED HARASSING ME.. {$1200.00} OF BANK FEES IS STEALUNG. TRUSTMARK ATTORNEY ISSUED WRIT IF GARNISHMENT ON MY PART-TIME NON PROFIT JOB LAST MONTHFI FOR THIS. I HAVENT BEEN ABLE TO PAY MY RENT, GROCERIES & MY MEDICATION SINCE. THIS IS HARASSMENT ON A VULNERABLE 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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Four years ago, in 2019, I asked Capital One to close my XXXX Money Market checking account ending XXXX. CapOne has nevertheless kept my account open all this time, while preventing me from accessing my balance. I complained to CFPB previously ( see Complaint ID XXXX, attached for reference ), to no avail. Recently CapOne had the gall to notify me that due to lack of account activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance hostage, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient : Student Loan Account Opened without my knowledege Application was sent in before i was i was age XXXX 2 Dispersments were made on XX/XX/XXXX ( right after i turned XXXX ) and XX/XX/XXXX to a account not in my name. XX/XX/XXXX Interest of 50 % of the loan Amount was charged. I tried to get info but I wasn't allowed since i didnt open the loan and payments were being made by someone else. Didn't think anything of it. 4 years later when i was able get information and immedieatly paid off the loan which ended up being the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
someone opened credit accounts with my identity and got a car loan as well BARCLAYS BANK DELAWARE XXXX {$8600.00} XXXX XXXX XXXX XXXXXXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 explanation
Consumer complaint received 2023-08-18 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: LA

Complaint narrative:
I noticed multiple credit open and closed accounts, names and addresses that I dont recognize 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 explanation
Consumer complaint received 2023-08-18 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: LA

Complaint narrative:
I noticed multiple credit open and closed accounts, names and addresses that I dont recognize 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 explanation
Consumer complaint received 2023-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. I further reminded the
m that they were not in compliance as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

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 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Buy now, pay later payment for one expense - Affirm did not make reporting of any good standing loans to credit bureaus a part of the initial agreement. Agreement stated that late payments and defaults may be reported, but there are no late payments. Company reported payment as an open installment loan account on XXXX credit report, negatively affecting credit score and credit worthiness. Company refused to rectify issue. I've used Affirm 8 times previously, with no reporting to credit bureaus. Agreement and loan reporting practices are intentionally deceptive and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid off my car loan on my XXXX XXXX XXXX on XXXX XXXX, XXXX, and after calling them, going back and forth, visiting DMV multiple times, I still havent received my vehicle title as is today which is XXXX XXXX, XXXX. The bank who had my car loan is Westlake financial, they keep telling me thats a problem on releasing the lien on my title, which I went to DMV for verifying it. But what DMV told me is all they need is the bank release the lien on my title and they can give me my title right away. After dealing with them for over 5months, I lost my patience with them and start to file a complaint on them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
A few months back, I applied for and was approved for a small Ally credit card. Within a month, Ally updated their software, and from what I have been told by numerous reps on the phone, " screwed up a lot of accounts ''. Mine was one of them. 

As a result, I am unable to access my online account either through the app or desktop. 

Ally allowed serious fraud on my account while I am unable to see my account. I reported it initially and the individual on the phone never submitted a fraud report. The second woman I spoke to took the time and completed the first womans job and her own. She was wonderful and I can not thank her enough. 

Though unfortunately, numerous other calls have had to be made regarding the fact I can not still view my account. I keep being told my case is upgraded to tech support, who has never responded to me and never fixed the problem. It's been months on an account that was allowed to have fraud on it. 

Ally also kept withdrawing from my bank account, funds to cover the fraud each month. 

The last call, two nights ago, I was treated like a common criminal. The woman was extremely unhelpful, she was rude, she kept telling me she could not hear me and I should call back ( attempting to get off the phone with me ) and when I asked to speak with a manager, she informed me they were busy and would call me back later that night. No one ever did. 

I am extremely upset on how I have been treated and allowing fraud on my account while not allowing me to view my account to help rectify the damage that may have been done to my credit and most of all, my character as unjustly defined by credit and financial status.

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 2023-08-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Chime Financial Inc
State: IN

Complaint narrative:
I had done my taxes with a freelancer and noticed I was approved for the additional amount on my taxes on federal was done was told by the irs my state was also been garnished and I never done state so I have to look into that more but had my taxes done seen another freelancer got back to me once I have received the information on my taxes an was told by the 2nd freelancer I was actually owed more then the initial refund which was XXXX $ me noticing u didnt receive my state taxes I assumed he was right and followed in proceeding with him the 2nd freelancer that is and was told to send the money back to him so he can send it to the irs while doing my taxes so he had my login information as far as my account and routing numbers and I didnt give him any permission to take the full exact amount out of my account which he did idk how he was able to do such a thing but he did and come to find out I had been dealing with a pirate/scammer on the internet and seen the unauthorized transactions and failed attempts to cash app but one main successful transfer threw chime to chime to a XXXX XXXX which was a dummy chime account that I was told by a chimes supervisor and I need my money back immediately before I take even further action I gave compelling evidence and was denied on my money 7 times on a fraud disputes with chime while showing screenshot evidence from cash app alerting me saying scam alert and they still allowed him to impersonate me as if I was doing these transactions myself which wasnt me at all showing compelling proof I was denied a 7th time for XXXX $ and over looked on my disputes on money I never got to see or ever use for my own beneficial purposes and wanted to get a hold of you guys before I filed a police report against them an a lawsuit against them for an unauthorized transaction on my tax money refund which I have even had several of text messaging screenshots while they are also holding up my other disputes because I wouldnt leave this one alone two other ones thats which a XXXX clothing company for XXXX $ and one from the freelancer website I used to get services for my taxes for XXXX $ and some change which I have all the information in files as PDFs I can send over to you guys to apply some pressure and making sure I get my money issued back into my account for they are held accountable for this fraudulent act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-08-18 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I attempted to contact Home Depot to remove me as an authorized user on account ending in XXXX that was opened on XX/XX/XXXX with a balance of {$1300.00} and a min. payment due of {$29.00}. I am not aware of obtaining authorization to be an authorized user on this account. All of the representatives at Home Depot were very rude, even when I escalated to management. Please remove me from this account. I already have my own Home Depot Credit card and this is reporting on all three credit bureaus.

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