vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from 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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT AND I CONSTANTLY TRIED TO REPORT IT TO THE CLAIMS DEPT AND I WAS TREATED UNFAIRLY AS IF WHAT I REPORTED WAS FALSE I WAS ALSO TOLD THAT MY CASE WAS INVESTIGATED AND IT WAS NOT I DID FIND OUT THAT MY INFORMATION HAS BEEN USED IN ONE OTHER STATE AS WELL AS HERE IN MICHIGAN. JUST LIKE I TRIED TO TELL YOU BEFORE.

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Please reference attached email/letter communication w/ Wells Fargo Bank XXXX XXXX XXXX 

I received a credit card solicitation from Wells Fargo Bank in XXXX and responded by completing an online application for the same shortly thereafter. Wells Fargo acknowledged receipt of the application via email on XX/XX/XXXX ( copy attached ). Based on the bank 's XX/XX/XXXX response ( copy attached ), the " We need to verify a few pieces of information before we can give you a credit decision '' statement included in same entailed the need to have my XXXX Credit Report Freeze lifted. 

Upon receiving notice that the XXXX Credit Freeze had been lifted, the bank initiated review of my credit card application and allegedly rejected it based on the following : Serious delinquency Too few accounts currently paid as agreed Proportion of balances to credit limits on revolving accounts too high Non recent non-mortgage balance information Since I have ready access to my XXXX Credit file, I took the liberty of revisiting it in response to the reasons listed above for non-approval of my credit card application. And while this laundry list may have served as a legitimate basis for rejecting prior credit card applications, based on review of my [ squeaky clean ] XX/XX/XXXX XXXX Credit Report ( summary copy attached ), it fails at doing so this time. 

Since Wells Fargo is well aware of my XXXX Dispute settlement [ which served as the primary basis for rejection in the past ], I asked the bank to advise detailed explanations w/ specific credit report examples of the infractions alleged in the list above. Although the bank has acknowledged my request, the promised response has remained outstanding for more than 30 days. As such, this complaint filing is the first of three ( 3 ) advised in my XX/XX/XXXX Wells Fargo Credit Card Application Letter ( copy attached ).

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 2022-08-28 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act, my rights have been violated. 15 USC 1681 Section 602 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-28 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: Possible Financial Inc
State: LA

Complaint narrative:
I have a right to privacy and i never have Possible finance permission to furnish a report on me. 
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Possible finance never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

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 2022-08-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
On XX/XX/2022 several unauthorized transactions were made on line using my cash app card numbers totaling {$500.00} I reached out to cash app to stop payment because they were not made by me I was told I had to wait for each transaction to go clear before I could dispute them. So I waiting and I disputed all of the unauthorized transactions. Since then there has been a lot of back and forth with cash app. Now they say my dispute was denied and they will not refund my money. I don't know why they are refusing to return my money it's clear all transactions are fraud they were all made to the same company within minutes of each other. There are more that didn't go thru as well because I had no more money in my account. They drained all I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: LA

Complaint narrative:
I have a right to privacy and i never have XXXX XXXX permission to furnish a report on me.

15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.

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 2022-08-28 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: LA

Complaint narrative:
I have a right to privacy and i never have XXXX XXXX permission to furnish a report on me. 
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.

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 2022-08-28 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX unauthorized deposits were made by XXXX in the amounts of {$0.00}, {$0.00}, {$0.00} and {$0.00} from my personal checking account with M & T bank. On XX/XX/XXXX, XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$6000.00}. On XX/XX/XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$10000.00}. At no time did M & T contact me or freeze the checking account for potential fraud. On XX/XX/XXXX when I withdrew money at an ATM from my checking account I immediately discovered the low balance. I immediately went to the local M & T branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and spoke with XXXX XXXX XXXX, Branch Manager who informed me the {$16000.00} had been stolen from my account. She instructed me to complete XXXX separate dispute confirmation summaries. This resulted in 2 case numbers, XXXX and XXXX which she faxed to the M & T fraud department. She said it could take 30-90 days to investigate the matter and return the {$16000.00} to my account. She froze the account so no withdrawals could be made other than existing outstanding checks or debits without contacting me for permission. She stated M & T does not know my spending habits or provide automatic alerts as that is my responsibility to set up using online banking or an app. I am XXXX and do not use online banking or apps at all. I opened the account in XXXX when they did not have apps or alerts. I also have never engaged in crypto currency or withdrawn such large amounts repeatedly on the same day. XXXX XXXX said the fraud occurred because someone had one of my checks and transactions were cleared by an account clearing house by M & T bank in XXXXXXXX XXXX. She said there had been other fraudulent transactions of this same nature dealing with XXXX and that I should consider myself lucky as another M & T customer earlier had lost {$25000.00}. I do not feel lucky. I also contacted M & T at XXXX several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ) and asked to speak with someone in the fraud department. I was told multiple times I can not speak to anyone directly in that department instead only that employee could communicate with that department and that person would make notes that would be sent to the fraud department. I was told due to the amounts, there had to be XXXX case numbers instead of 1 case number for the same person ( me ), same account ( M & T Checking ) and same fraud ( coinbase, {$1000.00} withdrawals ). I am retired law enforcement XXXX XXXX XXXX XXXX  and depend on automatic retirement, pension and social security deposits. {$16000.00} was stolen within 2 days and I was told an investigation had to occur that would be 30-90 days.

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 2022-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

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 2022-08-28 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX acct XXXX has violated my rights. 
15 USC1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can't furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-08-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and US Bankruptcy Court have 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 1681b : Permissible purposes of consumer reports

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 2022-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
It was never disclosed to me that this was a consumer credit transaction, and that I am the Creditor/investor and beneficiary. all " charges '' were to be included in the finance charge, and that it was I who " lent '' the credit to the " original lender '' it is extortion, peonage, slavery for them to claim I owe a debt when there can be no debt in a consumer credit transaction, because I was the source of the Credit. they violated the consumer protection laws, failed to setoff and balance account and are receiving unjust enrichment at my expense. show me anywhere in the application, promissory note, mortgage where i actually " owe '' a debt. Federal and State law, says that you must protect the consumer and his interests. but Shellpoint mortgage servicing aka " owner of the " loan '' '' has failed to do so. 
it is a Fact the people are the credit " full faith and credit of the nation '' we are the money, we create the money, and are being used, abused and harmed by the corporations failing to balance the books and pay what they owe. they are the ones who are failing to file and pay the taxes owed. they are abusing the Social Security Trust account, and gaining double and tripple dipping ( unjust enrichment ) by stealing the credit and stealing the labor of the people to force them to " pay '' again with labor, which of what was already paid ( credited ) and concealed. it is fraud, it is unconscionable and a violation of the Most High Creator 's law. since all " money '' is created from the peoples deposit and signatures on negotiable instruments/securities and or bonds/ who owes who? it is time to stop the fraud and slavery being perpetrated upon the people on earth. it is your job as you are paid by the peoples taxes ( forced imposed contribution =investment ) to protect the consumers ( people ). Trustees are in breach of trust. as the trust was created when they accepted the social security number, and consumer information, which made them trustee, as we are the true beneficiary, and it does not benefit the beneficiary to have to " pay '' again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, 2022 Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a credit report on XX/XX/2022 that my score had decreased by a few points. On my report, it says that a new account with Capital One was opened on XX/XX/2022. The address in this account is : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance : 19 Payment Status : Current I do not recognize this address and I have not opened a new account with Capital One. I do not even live near the state listed on the report.

Company response to consumer: Closed with non-monetary relief