vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Acct- XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXX Acct- XXXX XXXX XXXX XXXX Acct- XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am looking at buying a home and my mortgage broker needed me to unfreeze my credit with Experian to pull my credit report. Experian requires you to create a membership account in order to do that. I signed up, read the privacy policy and shared a ton of personnel information with Experian to include my cell phone, SSN, address, etc. Since the report was pulled, I have been contacted by several different companies, unsolicited, on my cell phone. I never gave Experian permission to use my information and now I am extremely concerned about my SSN and otherwise being shared without my knowledge or permission. I contact Experian immediately and requested my membership and all information be deleted. I am still getting calls. When I called Experian, the call center agent explicitly told me they do not share information, which seems to be a lie.

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-10 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: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

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 2023-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I transferred {$5000.00} to Citi Accelerate saving account via ACH a month ago ( XX/XX/2023 ) and the money was flagged by their fraud prevention department. Then they closed my savings account without any legitimate reason. They did not tell me why. They just said I violated the rules. but I 100 % sure I did not do anything illegal. The only thing I did was transfer the money to their account. They asked clients to deposit a huge amount of money to get the sign on bonus and then they just close their accounts and hold their money. This is how Citibank scam their clients! There are ton of victims that have similar situation on XXXX. Citibank closed my account and had holding the remaining balance of around {$15000.00} which is my emergency fund for over a month before sending back to me. I had been calling and sending emails to get my money back almost every day during this period of time, and it really XXXX  me out, I couldn't sleep well everyday. I still don't know why I deserved this? 

Did I do anything wrong? 
Did I do anything wrong? 
Did I do anything wrong? 
Citibank Please tell me which term I violated and why you treat your client so badly. why I deserved this? why? 

Also, they are goingto close my credit cards as well. My credit score will hurt badly. and I got XXXX TYP points left in that account but I can't redeem as they froze it.

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 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I was not aware of the very high interest of over 200 % or was not given a full details of the loan agreement beside the loan agent stating I could pay over time. Never once did the agent showed me the loan screen beside telling me to sign. Was in a financial hardship with lost job and needed the funds to pay rent and buy groceries to feed my family and thought that the installment payment agent state would go towards lowering the loan in time. Got a XXXX loan and have paid {$1000.00} a month since XX/XX/2023 and probably have paid over the amount of the original loan but amount still remain the same. : ( They threatened to take my only car that I really need to survive and care for my child because I can no longer afford the high interest payments that they have lied to me about. I need help getting out of these loan shark high interest TitleMax place that have lied to me about the installments payment overtime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card through XXXX XXXX and I was declined! The banker checked my credit report and we discovered that somebody had taken out a credit card in my name in XXXX, XXXX and had missed payments causing the card to be closed. This negatively impacted my credit score so the company refused to issue me a credit card. I have since reached out to XXXX and they are disputing the card for me, which is amazing. I am worried that some unknown individual has access to my Social Security Number, which worries me. How else would they be able to take out a Credit Card in my name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion XXXX XXXX XXXX XX/XX/23 don't recognize this inquiry

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 2023-07-10 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/14 my Joint account ending in XXXX was charged {$6000.00} to offset a disputed business card account that had no relationship to me. I did signup for it nor approve any agreement. I have no relation or connection to it. 
The offset of a Credit Card Charge specifically to a joint account that one of the owners ( XXXX XXXX ) is not related in any way to the CC ending with XXXX is a violation of the Fair Credit Billing Act ( FCBA ). 
The agreement to offset was never shared/ approved or signed by me and it is against FCBA rules to offset it against a private joint account owned by individuals that have never made any written authorization for the offset.

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 2023-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
company has been paid settlement offered by XXXX but refuses to update credit file after several calls the last one as of today. Per the fair credit reporting act this is affecting my ability to obtain a car loan. credit acceptance is showing im 120 days delq on a loan that should say paid and full

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 2023-07-10 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:
Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in 2013 when I first moved to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with XXXX XXXX XXXX I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further

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 2023-07-10 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I originally got a payday loan from another company in XXXX, Tennessee, its in the original complaint. They sued once in court and now they are trying again. They have threatened me with court action and this is after all my information was compromised through their site was hacked. Im XXXX XXXX XXXX and on Social Security and they know that. The company that I got the loan from sold my check to cash Express.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd.
State: NJ

Complaint narrative:
Hi, I sing up for a paxos.com account on XX/XX/2023 and everything was perfect, my paxos account was approved, I deposited the amount of {$22000.00} via wire transfer, the money hit the account and everything was perfect again! I ve made an exchange and buyt XXXX ( XXXX ) and try to withdraw the funds to my XXXX XXXX personal wallet but I got an email from paxos.com stating I need to send them some selfie, bank statement pictures, another documents etc etc. I sent all the documents they asked me for and nothing happened. I started to speak over the email with them and again they asked me a lot of documents, personal documents and also my business documents, which I sent them and nothing happen again. They asked me to withdraw XXXX ( USD ) to my bank account, I contacted my bank and they said they did not accept crypto payments anymore. Almost 5 months passed and I don't know what do to right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I purchase a vehicle online from CARVANA on Sunday XXXX. They sucked the money out of my account today ( XXXX ). I was supposed to pick it up on the XXXX. I was going to upload insurance information but when I got on the app to upload insurance, any record of the sale is gone! The contract I signed, everything vanished including {$190.00} and {$41000.00} from my bank account. I texted with someone who said the sale was cancelled system error, sorry, he wrote he put in a refund request ticket for me. XXXX banking said the ACH is pending and can not be stopped. What kind of business practice is this? Who knows when or if Ill get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: OH

Complaint narrative:
I don't have a loan with this company, they do not have authorization from me for an ACH debit. They have my information somehow and debited my account XX/XX/23, I called and was told due to technical error over the weekend my checking account was debited. I was told the money would be refunded in 3 to 5days, I also discussed possible overdraft fees due to their unauthorized debit and was told they would be in contact with my bank and cover all costs. There was follow up phone calls and emails. As of XX/XX/23 my account has nt been credited the original ACH debit of {$340.00} nor the overdraft fees of {$100.00} also due to their unauthorized and illegal debit of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GA

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 Equifax Data Breach 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. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation