vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: NJ

Complaint narrative:
After opting still using my information without consent

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
This complaint is in regard to my Apple credit card account and I believe what they are doing is inappropriate actions of my Apple credit card account. I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself. I was successful in obtaining a mortgage and did indeed purchase my new home over a year ago. I have had my Apple credit card for 3+ years and always pay the balance off in full each statement period. My income and budget are always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. I received a notice on my phone from apple stating " Spending is Blocked on Your account. Then it states " contact support to see if you're eligible for payment assistance plans. They were, therefore, closing my account from any further use as my available credit shows {$0.00}. This is my oldest credit account which is going to affect my credit scores as well as my ability to obtain new credit which has left me unable to refinance my mortgage rate when/if the rates come down. Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. The actions of Apple, did not take into consideration my income or my history of repayment when making this arbitrary decision. I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that party to utilize it. Please assist me in righting this wrong caused by these institutions. With Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I had autopay setup on a Barclays bank XXXX XXXX XXXX XXXX. I made an ACH payment of {$1300.00} on XX/XX/year> from a checking account. This was rejected due to " insufficient funds first '' on XX/XX/year> despite there being {$2200.00} in my checking account. A {$39.00} " return payment '' fee was charged on XX/XX/year>. Another attempted payment was made on XX/XX/year> for {$1300.00}. This was rejected due to " insufficient funds final '' on XX/XX/year> despite there being {$1900.00} in my checking account. A {$39.00} " late payment '' fee was charged on XX/XX/year>. Another attempted payment was made on XX/XX/year> for {$1600.00} and was rejected for " insufficient funds first '' on XX/XX/year> despite there being {$2500.00} in my checking account. I was again chaged a {$39.00} return payment fee. I contacted the bank that I have my checking account with and they confirmed there were sufficient funds in the account and that they had not halted the transfer due to fraud concerns or other issues. During a phone call with Barclays customer service, they confirmed the my account information and could not explain why the funds were going through. They did not fix the payment issue nor did they offer to get rid of the unecessary late fees due to their inability to collect payment.

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 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: SC

Complaint narrative:
The company is First Progressive a prepaid credit card to help build credit. When I received card in mail i immediately called to request a refund of money used to open account, explained that my daughter had applied for their services used my bank account to transfer funds to open. Had just gotten XXXX XXXX card also, I explained to Rep. Finally they agreed to close account and mail refund. That was in XXXX of XXXX still havent received they issued another card to different address I didnt authorize have to demand a supervisor to get any answers. Have been told numerous lies/excuses concerning my money. My wallet and computer was stolen, someone took money from other accounts, anyway they keep giving me a run around said they were sending refund sent a check with XXXX XXXX, last call to them they said they were not refunding my money nor removing from my credit report. I know they have a record of every call from the beginning. I just want my money returned including the XXXX they had me send in. I definitely want this removed from my credit report. I dont understand how they can get away with doing customers like this. Please help. Its not like I have money to give away, they are crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd.
State: FL

Complaint narrative:
A representative called me from Leviton Law Firm regarding an ongoing dispute with another company. The representative told me he was a lawyer and led me to believe that he was acting in the capacity of a lawyer in this matter. The representative then proceeded to threaten me with a lawsuit if I didn't pay an exorbitant amount to be wired directly to Leviton Law Firm.

I came to find out that the representative was not a lawyer but just a debt collection agent according to the company website. In fact, Leviton Law Firm is not even licensed to practice law in the state of Florida ( the state the court would likely hold the initial dispute in ) ... After speaking with the initial company, they informed me that Leviton Law Firm has no relation to the initial dispute and they confirmed that they were not working with Leviton Law Firm in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greenberg, Grant & Richards Inc.
State: FL

Complaint narrative:
Details of the Complaint : I am filing this complaint against Greenberg Grant & Richards, a debt collection agency, for their unprofessional and aggressive practices that may violate the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues : Misguided Customer Outreach : They contacted individuals and businesses they mistakenly believed were my customers, causing unnecessary disruption and potential reputational harm. 
Aggressive Tactics : Despite providing reasonable explanations for payment delays ( due to slow-paying customers during the holiday season ), they ignored this and escalated the matter unnecessarily. 
Unprofessional Behavior : Their communications were unreasonably hostile and lacked the decorum expected in professional debt collection practices. 
Impact on My Business : Their actions have disrupted my operations, strained my relationships with actual customers, and created additional stress in resolving this matter. 

Supporting Documentation : Attached are copies of their emails and correspondence demonstrating their unprofessional conduct. 

I request an investigation into their practices and appropriate action to ensure compliance with the FDCPA and professional standards. 

Your Information : Name : XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXX Contact Information : XXXX Thank you for addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have contacted the 3 credit bureaus about inaccurate information about my credit score. I received a debt forgiveness letter from the department of education because my school was closed and a legal class action lawsuit was won against XXXX XXXX XXXX XXXX XXXX  I requested that all the debt forgiveness has released me from the debt reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transunion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
On XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX of XXXX Oklahoma. My vehicle financing was done through XXXXXXXX XXXX. During this process, there were two hard inquires from a company named XXXX XXXX which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XXXX XXXX XXXX I mailed written notice of my information being used without my permission and requested removal of the two unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.

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 2024-12-31 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
On XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX of XXXXXXXX XXXX. My vehicle financing was done through XXXXXXXX XXXX  During this process, there were two hard inquires from a company named XXXX XXXX which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XXXX XXXX XXXX I mailed written notice of my information being used without my permission and requested removal of the two unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
On XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX of XXXXXXXX XXXX. My vehicle financing was done through XXXXXXXX XXXX During this process, there were two hard inquires from a company named XXXX XXXX which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XXXX XXXX XXXX  I mailed written notice of my information being used without my permission and requested removal of the two unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their continued restriction of my access to my credit report, despite my compliance with their documentation requirements. I submitted the necessary documents requested by Equifax numerous of times since last year, including types of documents, proof of identity, proof of address, along with a cover letter as requested. However, I have yet to regain access to my credit report, and attempts to resolve this matter directly with Equifax have been unsuccessful. 
This issue has caused difficulty applying for credit, inability to monitor my credit, and I believe XXXX actions are both unreasonable and detrimental to my financial well-being. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that Equifax restores my access to my credit report promptly. Please let me know if additional information or documentation is required. 

Thank you for your attention to this issue. I look forward to your response. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
This complaint is concerning my Bridgecrest XXXX XXXX account. Recently, I discovered that on XXXX XXXX XXXX, unauthorized withdrawals from my bank account, which I believe constitute a serious violation of my rights as a consumer. These transactions were made without my consent and have resulted in unwarranted fees, further exacerbating the situation. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized transactions, and believe my case aligns with the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX, where the court ruled in favor of the consumer in similar circumstances. This case highlights the importance of consumer consent and the repercussions of unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I visited one of your dealerships on XXXX XXXX XXXX, at about XXXXXXXX XXXX XXXX. I gave your XXXX XXXX XXXXXXXX XXXX, a signed I retained the original CREDIT APPLICATION they likely ran through the ( XXXX XXXX XXXX XXXX XXXX which they should not have but solely through Toyota Financial Services, Fair Credit Report Act Disclosure. 

My Toyota Financial Services financing is an ( IRS Form XXXX ) barter transaction yet, the dealership/parties ( see below ) rejected the Retail Installment Sale Contract for the ( {$39000.00} ) credit to me for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, instead parties below was adamant the check from Toyota Financial Services would be a credit to Bill Page : XXXX is a conspiracy to default me the XXXX XXXX no keys/delivery of the said vehicle to me the same day I was compelled to leave the dealership. 

I called XXXX XXXX ( see attachment ) for XXXX XXXX 's phone number. I called the number and filed a verbal Complaint submitted by XXXX, Customer Service Representative, # XDRW, on XXXX XXXX XXXX at about XXXXXXXX XXXX, who assured me my complaint would be filed on the Record. 

Any attempt to sell said vehicle will be deemed a ( willful ) felony with applicable penalties, and fines, notwithstanding NOTE XXXX XXXX email correspondence to me [ threat ] to sell said vehicle proves the complicit " non-compliance '' to 16 CFR Section 433.1 ( d ) of my Purchase money loan transactionsee attachments. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation