vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX name is 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
A hotel reservation was booked on XX/XX/XXXX for the night of XX/XX/XXXX with a 24 hour cancelation policy. I called to cancel on XX/XX/XXXX, within the cancelation policy but I was charged for this room for {$87.00} anyways. 

When I disputed the charge, XXXX would not refund me and Capitalone said they would not provide me a refund on their end either despite providing them the information they requested. Ive been disputing this charge for weeks and they told me they're closing it and I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I got a call from someone who said they were the CFO/CEO of kia. Then he proceeded to use profanity saying the XXXX word and calling me the XXXX. This is how men treat women in the south and I didn't have a right to be treated in such a manner. Nobody cusses at me when I didn't do anything to him. He doesn't handle complaints very well is he uses profanity to people. I will never do business with kia. I will sue for discrimination.

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 2023-07-24 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: CA

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 Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : 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 an 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 2023-07-24 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : 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 an 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 2023-07-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My apple credit card had an available balance of {$1500.00}, I made only one transaction of {$1300.00} in XX/XX/2023. I paid the balance on time with minimum payments. 
XX/XX/2023, the company took a total balance payment ( {$1000.00} ) unbeknownst to me. I called & let them know I didnt authorize this payment. 
They replied to me at a later date they gave me a reversal payment to my checking account, that I never received! Yet, they kept the transaction/high balance on my account. 
This brought my account a negative balance with one transaction & also is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-24 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: CO

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I financed a new loan with wells fargo dealer services in XXXX throughout the loan my mother was diagnosed with XXXX XXXX and passed away in XXXX, payments made were spotty, a couple months at a time, made some, missed some etc, in ultimately the truck was picked up by a repossion company, right away I had a buyer for the truck for the pay off like XXXX, was 6 months getting title, but in mean time Ive gotten back on my feet, applied for some loan and the repo/ charge off appears on my credit report. I hire a credit repair company and I dispute the chargeoff as the truck was paid and sold paid in full. They would remove it and place it back on we dispute they remove it and it keeps coming back. My real question or concern is I keep receiveing checks from wellsfargo dealer services for over payment on the truck, and yet the negitive remarks remain on my credit. I have received like 5 checks inthe past 5 years, I would like to see the negitive remarks removed as the truck was more than paid for. 
Thank you XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On Friday, XX/XX/2023, I was attempting to transfer {$1400.00} from my checking account at USAA into my savings account. I accidentally transferred it to an account owned by XXXX XXXXXXXX XXXX which had not been used in 10 years. I called USAA as soon as the mistake was made and they opened a dispute. I received a letter stating that they attempted to contact XXXX XXXX and retrieve the funds and had been unable to do so. I explained that I currently lived in Alabama and no services had been rendered so I needed the money, which was my XXXX XXXX disbursement to be returned. USAA said there was nothing they could do at this time. The letter states to contact the person and request a refund but I have no updated contact information and have been unable to contact her on social media.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on credit file No. XXXX dated XX/XX/2023. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Timeline  of Events : - On XX/XX/2022, I attempted to log into my Chime account but discovered that it had been closed without any prior notice. Upon inquiring with Chime 's customer support, I was informed that my account was closed due to inactivity. They subsequently reopened my account ; however, to my dismay, all of my funds had disappeared. 

- On XX/XX/2022, the entire balance in my Chime account, which amounted to {$1500.00}, was removed, and my account was closed. 

- On XX/XX/2022, I received an email from Chime, encouraging me to " Open the app and make a buck. '' Intrigued by this offer, I followed the instructions and earned {$1.00}. This shows that there was recent activity in my account, and it is unreasonable for Chime to claim inactivity as the reason for the closure. 

- In the months leading up to the account closure, there were numerous deposits made into my Chime account, indicating regular activity and usage. 

Attempts to Retrieve Missing Funds : I have diligently searched for my missing funds on reputable unclaimed property websites such as XXXX XXXX XXXXXXXX, MN Unclaimed Property ( findyourunclaimedproperty.com ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for potential unclaimed property in California. Unfortunately, my efforts have yielded no results, and the funds remain unaccounted for. 

Challenges with Chime Customer Support : My attempts to resolve this issue directly with Chime 's customer support have been incredibly frustrating. Each interaction with their support team has been isolated, with no access to the previous chat history. Consequently, I have been provided with generic responses and have not been able to follow up on any of their answers or receive any substantial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NY

Complaint narrative:
Good Evening, I am writing because I think Key Bank is running a scam with the XXXX Unemployment Checking/Pre-paid Accounts. My account was fraudulently accessed in XX/XX/XXXX via multiple ATM withdrawals. I contacted the fraud department and after several attempts of them telling me they couldnt prove my identity. I finally received a claim #. I later received a letter in the mail saying they would be refunding the money. Then I received a check in the mail for {$16.00}. I contacted them to ask what this {$16.00} check was for and when will I receive the $ XXXX they said they would be refunding? I couldnt get a straight answer. Instead, I got the run around and was even told that Unemployment closed the account, so the money was given to them. 

I knew that was a lie because Unemployment had sent me a letter a few days prior, stating that KEY BANK closed the account. I decided to play XXXX 's advocate and called Unemployment. They confirmed what I already knew. They only deposit money into the account, they dont withdraw or take custody of accounts and they reiterated that KEY BANK closed the account. I called Key Bank and told the customer service rep about my conversation with Unemployment. THEN the rep let me know that a debit card was issued on the account and the refund/ $ XXXX was withdrawn ONCE AGAIN via ATM over a series of days, despite the fact that I specifically asking Key Bank NOT to reissue a debit card after my account was fraudulently accessed the first time. 

I was given the transaction dates and amounts and transferred to someone else. I also requested the statements be mailed to me. All in all I was transferred around for XXXX hours before I got to the dispute department, who would then tell me they couldnt prove my identity. Once again I emailed my ID and waited. 

I reached out to Key Banks XXXX Office with my frustrations only to be treated like I imagined receiving transaction details from a Key Bank customer service XXXX On XX/XX/XXXX, I was told by XXXX O that, the reps wouldnt be able to see transactions to give me that information. WHAT?! I was then transferred to XXXX, who said they didnt find any error on their part and concluded that I was at fault and committed dispute abuse, meaning my dispute claim was fraudulent, so the $ XXXX would not be refunded and if I needed further assistance, I should contact customer service. I contacted customer service and again asked for the statements so I can file a police report. To date, I have not received the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. Called Transunion after troubles being able to log into the website from my computer. 

First Call : Employee number # XXXX assisted and was unable to provide a process for me to get a credit report as per my rights under the FCRA. The complaint from Transunion was that they can not provide a report to me, not even for the purpose of refuting potential fraud or misinformation. When asked for a solution, the only one offered was to send a report to an address I no longer resided at. When asked for information on the particular legal entity I was speaking to to confirm and accurately fill out this form, the phone was hung up after the response that the employee was not allowed to give this information. 

I do not have reason to believe the employee was acting out of malice. However, my rights as a credit consumer were not met and I am still unable to receive a 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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I dispute the inaccurate reporting status on an individual closed American Express account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual American Express account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
hello ordered an XXXX ring returned it 5 days after receiving it was going to use Affirm to pay for it they got reimbursed for the loan 3 weeks after i ordered it but day they didnt get enough says loan was for {$330.00} but XXXX gave them {$310.00} want me to pay the difference the ring price was {$290.00} with tax it was {$310.00} Affirm says its not interest but wont tell me WHY i should pay them {$18.00} returned ring 10 days after receipt they were paid by XXXX im not paying this extra charge if they do this to all customers they are taking LOTS of money off people for no reason! i DONT WANT tjis affecting my credit report and i DONT want them adding late payments ive tried to work this out they insist i give them {$18.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson , LLP, stating that I owe a staggering {$96.00} for a seemingly trivial {$9.00} toll balance from DelDOT. The first issue that came to light was the fact that XXXX failed to mail the invoice on time, thereby depriving me of the opportunity to dispute the toll within the allotted time frame. 
Given the circumstances, I promptly attempted to raise my concerns with Linebarger Goggan Blair & Sampson , LLP, only to discover that they do not provide any option to dispute the toll. Feeling helpless, I decided to verify the violation myself through the Delaware XXXX Pass webpage, using the Toll Violation ID number provided, but to my dismay, it did not yield any valid violation. The letter states that the trip date was XX/XX/XXXX. 
What adds to the complexity of this situation is that the toll violation is connected to a trailer license plate that my company leases to a trucking company. While it is the responsibility of our customer to bear the invoice at the time of the toll violation, I am currently unable to address this matter effectively due to the lack of cooperation from Linebarger Goggan Blair & Sampson , LLP and XXXX 's directive to deal with them directly. 

Therefore, I kindly request that you investigate this matter thoroughly and take appropriate actions to rectify the situation. I urge Linebarger Goggan Blair & Sampson, LLP to reconsider their stance and provide a means for consumers like me to dispute toll violations promptly. Additionally, I request your assistance in liaising with DelDOT to address their shortcomings in issuing invoices on time.

Company response to consumer: Closed with explanation