vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I've had a bank account with Credit Karma for three years now. I have a checking, savings and credit builder/second savings account with them. On XX/XX/year>, I got an email from Credit Karma saying my account was locked due to a potential security risk and that my money was safe, and that someone would be reaching out with steps to get back into my account. I then received another email about 5 minutes later saying " your account has been deactivated. Thanks for using Credit Karma. '' I've used chat support. I've talked with Credit Karma representatives about 10 times now and every single time they tell me someone from a " specialized department '' will be reaching out via email with more information and I'll receive my funds via check in the mail. I can't access any of my money. I can't pay bills. I can't even log in to my app or online banking portal to view my transactions or balances. This is illegal for a bank to take away access to your funds and steal them, with no explanation or proof of return. I have been made aware that this company has been doing this to countless individuals. I was hoping to not have to seek out a lawyer just to have access to my funds. But the bank isnt helping me at all. 

No explanation as to why they have blocked me from my account. No information as to when I'll receive the funds in my accounts or the fact that my paycheck was deposited there this week. They have additional funds of mine since they closed my account funds from my employer. I can't access ANY of it. And every representative says someone will be in touch via email and no emails or calls have taken place. One representative told me the check was mailed and I would receive it in XXXX business days. Another told me my account wasn't fully closed and a check hasn't been mailed. This is illegal. The amount of money they have of mine in total is about {$6000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting 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 am writing to file a formal dispute with TransUnion regarding the inaccurate personal information on my credit report. Despite my repeated attempts to have this information corrected, TransUnion has failed to take any action, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. 

The inaccurate information on my credit report pertains to the listing of a XXXX XXXX XXXX in XXXX, GA XXXX, and a XXXX XXXX XXXX in XXXX XXXX, NJ XXXX under the name XXXX XXXX. These addresses have no association with my personal information. Additionally, the labeling of " XXXX XXXX '' on my credit report is both defamatory and false. The term " XXXX XXXX '' is defined as someone who spends money on gratifying XXXX impulses or pleasures, which is completely inaccurate and damaging to my character. 

I have made multiple attempts to dispute this information with TransUnion, but they have consistently ignored my requests and failed to take appropriate action. This negligent behavior is unacceptable, and I am seeking a resolution under the FCRA. 

According to FCRA 15 U.S.C. 623, consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies such as TransUnion are required to conduct a reasonable investigation into these disputes. Furthermore, under section 616 [ 15 U.S.C. 1681n ], credit reporting agencies can be held accountable for willful non-compliance with the FCRA. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and compel TransUnion to correct the inaccurate personal information on my credit report immediately. I also request that appropriate action be taken against TransUnion for their willful non-compliance with the FCRA. 

Enclosed with this letter are copies of documentation supporting my dispute, including proof of my identity and evidence of the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have attached a letter. This issue has not been addressed. I never received any goods or services I was promised when I made payments and cash app nor the recipients would XXXX a refund. Cash app or any ombudsman has contacted me after reaching out to them with email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems repeatedly called me and used abusive language stating I owed a debt to them. I requested formal email communication regarding the debt and evidence that I owed the debt. They did not send me any communication related to the request and then sold the debt to XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX for this same thing ( CFPB complaint No. : XXXX ). Please see the print screens attached herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like to add a little back story about why this happened. I'm an XXXX 10 years or so ago and when I was away I had lost my ID, Birth certificate, and Social Security Card. I'm unemployed and problem free. I just stay at home and work around the house. 

I opened a Captial One Checking account online on XX/XX/2023 using an Inheritance check I recieved from a deceased uncle in the amount {$2500.00}. I wanted to use this to get going with my life. My brother also deposited {$50.00} from his saving account into my account on the same day. Once I received the account bank card I try to activate it but the account was on hold, so I called CapOne customer service and they stated to activate the card I would need ID. I only had my inmate ID and they said it would not be good enough, so I had to go through the long process and nightmare of getting my ID, Birth Certificate and Social Security Card to even get an Texas ID. I finally got everything in order in XXXX and Called customer service but they stated the account was closed and was under investigation and would take 45 days before we would know the outcome. 
I was able to still log on online to my account but it says on XXXX XX/XX/2023 the money was subtracted from the account ( both deposits ). We waited the 45 days but heard nothing back from Capital One. I attempted to call customer service again and they stated without reason that I can not do buisness with them and that the money was returned to the source accounts. The check amount of {$2500.00} was not returned to issuing bank nor was my brothers {$50.00} returned to his savings account at XXXX XXXX XXXX. I still have the inheritance check but because to cash it with capital one online you have to write on the back FOR CAPITAL ONE when you endorse it. The money is not returned to the Financial Institution of my Inheritance. Capital One has kept both my money and my brothers money. Please help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: AZ

Complaint narrative:
XX/XX/2024 I disputed 2 unauthorized hard inquires on MyEquifax portal after reviewing my current consumer report. Equifax claimed that the 2 unauthorized hard inquires are factual and did not delete nor investigate my dispute thoroughly. I already contacted both companies XXXX and XXXX XXXX XXXX and they have not provided me with proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. By Equifax violating the law I feel my identity will continue to be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Suncoast Credit Union XXXX XXXX XXXX XXXX, FL XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. 

I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Suncoast Credit Union that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Suncoast Credit Union has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Suncoast Credit Union complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Suncoast Credit Union. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: MD

Complaint narrative:
re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file.

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law.

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.

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 2024-03-03 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: MD

Complaint narrative:
re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file.

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law.

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX repeatedly called me and used abusive language stating I owed a debt to them. I requested formal email communication regarding the debt and evidence that I owed the debt. They did not send me any communication related to the request and then sold the debt to Credence Resource Management. I filed a complaint against Credence Resource Management for this same thing ( CFPB complaint No. : XXXX ). Please see the print screens attached herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
I applied to XXXX XXXX and I requested to cancel my application and to cancel my housing application. I received notification that it was canceled and the school was still trying to collect. So they sent the information to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I am being billed for a personal property tax for a state that I do not live in. 
I have contacted Kia to advise them that I bought the car in Missouri, but lived in Nevada. 
They continue to bill me for Missouri personal property tax, 2 years later. 
I have attempted to contact Kia customer service, they are unable to help. I have made an incident number complaint with no results, I have spoken to their collections department who continue to call. I sent all info proving I am registered in Nevada. 
No change! 
I have been physically to 3 dealerships and no one will help.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Open account with XXXX XXXX  in XXXX. It is reporting 120 days late. How can you report on 120 days late when I just open the account in XXXX I am constantly this. We XXXX XXXX and they refused to report it there in violation of my rights on the USC 1681i. I feel that my report is being tampered with because they steal report information intentionally did they know its not correct

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Open account with XXXX XXXX  in XXXX. It is reporting 120 days late. How can you report on 120 days late when I just open the account in XXXX I am constantly this. We XXXX XXXX  and they refused to report it there in violation of my rights on the USC 1681i. I feel that my report is being tampered with because they steal report information intentionally did they know its not correct

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 2024-03-03 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: AL

Complaint narrative:
Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The school lost accreditation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
MY CREDIT REPORT SHOWS A HARD INQUIRY FROM CAPITAL ONE CARD SERVICES. I REAHED OUT TO THEM BECAUSE I HAVE NOT HAD A CREDIT LINE FROM THEM IN YEARS. I CLOSED MY LAST CREDIT LINE YEARS AGO AND IT WAS LEFT IN GOOD STANDING. I CALLED CAPITAL ONE AND ADVISED THAT I DID NOT REQUEST A NEW LINE OF CREDIT FROM THEM. THEY ADVISED THAT IT MAY BE ANOTHER PERSON BUT THEY ARE UNABLE TO REMOVE THE NEGATIVE HARD INQUIRY. THEN I RECEIVED A DENIAL NOTICE IN MY EMAIL BUT I NEVER REQUEST THE LINE OF CREDIT TO BEGIN WITH. I JUST WANT THE HARD INQUIRY TO BE REMOVED FROM MY CREDIT REPORT. IT WILL EFFECT MY CREDIT REPORT NEGATIVELY.

Company response to consumer: Closed with explanation