vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: MI

Complaint narrative:
From XXXX through XXXX, There were unauthorized electronic payments and transfers to various Banks created through Optum XXXX using my Business Tax ID, Group XXXX and Individual XXXX Numbers as a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX I received a refund for an item I purchased XX/XX/XXXX. The item is recalled and I was eligible for a full refund of {$150.00}. 
The refund was processed by XXXX on XX/XX/XXXX, and despite me explaining to XXXX that I had a new Business Bank Account w/ Wells Fargo they refunded the money to the closed business account. 
I called Wells Fargo customer service at XXXX six times between XX/XX/XXXX thru XX/XX/XXXX. 
XXXX XXXX XXXX I was told on the first XXXX calls that occurred between these dates that the funds were sent back to XXXX. This was not true. 
XX/XX/XXXX -my XXXX call to Wells Fargo XXXX was able to file a claim. I was told to wait 10 business days for the claim to process, which I did. 
XX/XX/XXXX, XXXX received a letter from Wells Fargo XXXX Assistance XXXX XXXX XX/XX/XXXX that they completed the research and " a processing error did not occur, consider your claim closed. '' I did not receive the money via deposit into my current business account w/ Wells Fargo XXXX 
On XX/XX/XXXX I called twice ( the toll free # above ) and was hung up on after working with the agent for about XXXX minutes. Immediately called back again, spoke with a different agent ( at the Wells Fargo customer service # I provided above ) and she could see the money was refunded to my closed account on XX/XX/XXXX. She transferred me to a XXXX named XXXX in the Online Division of Wells Fargo and he confirmed the money shows it was refunded by XXXX to my closed Wells Fargo account. After " XXXX '' from the Online Division of Wells Fargo did his research he could only start another claim ( XX/XX/XXXX ) and told me I had to wait another 10 business days for the money to be refunded to my current business account.

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 2022-11-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I never got the statement in the mail so didn't know how to pay or what to pay. I had called a few times but agents were not very helpful.

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 2022-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Creditor haven't reported score since XX/XX/ my account is still open and I've been paying my bills on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: AZ

Complaint narrative:
Issue : unable to withdrawal from Blockfi investor wallet in cold storage. This wallets ownership is in my name in cold storage and not to be used to satisfy secured creditors if bankrupt.

Under Blockfi 's terms of use, the XXXX is my own property and thus, I should be able to withdraw/receive the funds because they are not BlockFi 's property.

Since withdrawal has been unavailable due to the company blocking them, I am afraid the company may use my assets to further their personal objectives. The organization has not acknowledged these terms of use control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Carvana Group, LLC
State: KS

Complaint narrative:
Bought used car on XX/XX/2022, had it delivered to my address in XXXX, XXXX. Carvana registered my new vehicle in the wrong state ( XXXX  ) and isn't helping to get it registered correctly in XXXX. I can not drive the car until they fix this problem and get it registered correctly in XXXX. I've reached out to them multiple times since the purchase and they still havent even started to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC
State: PA

Complaint narrative:
" The company CONST LLC also known as MyConstant and XXXX has suddenly shut down with no explanation to investors. 

CONST LLC ( MyConstant ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. Cryptocurrency holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 

CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 

On XX/XX/XXXX the company went dark. They informed all website users ( XXXX ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, USA on XX/XX/XXXX. 
I personally have a large part of my retirement money invested their company. LLC business license number. California # XXXX XXXX  XXXX : XXXX Please help. I would like to get my money back. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-11-20 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: NC

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account 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

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 2022-11-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My score disappeared on both Experian and XXXX and I have XXXX negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.

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 2022-11-20 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: DE

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 XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I recently pulled a copy of my credit report and notice and caine & weiner there I have no idea what this debt is about or what it is for this is a company I have never done business with. I wrote them and to date I have not received a response from them. At this point I just need them to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: NV

Complaint narrative:
See Attached Files Tracking # : XXXX Initially sent an official Opportunity to cure pertaining to accounts reporting on my account without permission. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, Has violated my rights. XXXX Has Violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights XXXX5 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission/ instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States no consumer reporting may make any consumer report containing any of the following items of following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are hard inquiries on my account that are reflecting inaccurately. 

SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you

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 2022-11-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My score disappeared on both XXXX and Equifax and I have zero negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX US DEPT ED Have violated my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

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

15USC 1681 Section 604 A section 2 : 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 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Someone used my name to open a sorage unit account. I was barley legal and had already had previous accounts that were reported as identity theft. This account was not reported because at the time it was not on my credit history. I called the place they told me there would be nothing they can do because it was not reported.

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 2022-11-20 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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 
As well as XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Have XXXX my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

XXXX XXXX Section XXXX states I have the right to privacy. 

XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reporting Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XXXX XXXX I sent letter to Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Find attached letter Experian has not reply since then. 

Enclose fin Experian report XXXXXXXX XXXX XXXX XXXX  account, Should be removed on XXXX XXXX 

XXXX XXXX XXXX account, was deleted from XXXX on XXXX, find enclose report Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I went to a car dealership in XXXX XXXX XXXX Florida to purchase a vehicle in XXXX XXXX At the time i had no job, was working on and off with XXXX and XXXX ride sharing companies. Unbeknown to me at the time, someone from the dealership made up a fraudulent income on a form and used it to qualify me for the car. The interests was high, and i was told to pay about {$600.00} per month because of the false income they made up. I realized later that it was a regular practice with the dealership and the finance company. This finance company has been sued by at least 34 Attorney Generals in various states for deceptive practices, predatory loans etc. They settled, but continued these fruadulent practices. I sued in Federal Court and it was dismissed sending me to arbitration. I went to arbitration and they turned a blind eye saying that they have no jurisdiction in the matter. I struggled with this predatory loan for 6 years, then could not keep up anymore. So the finance company as usual repossessed the car on XX/XX/2022. 
This is injustice and i as a consumer needs help. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: GA

Complaint narrative:
I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, XXXX XXXX XXXX definitions state : rules of construction ( XXXX ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. TransUnion is reporting late payments on several accounts : XXXX 's XXXX - XXXX loans and/or utilization is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report XXXX the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to XXXX XXXX XXXX XXXX congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!

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