vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The company XXXX XXXX XXXX XXXX ) contacted my Husband on XX/XX/XXXX to tell him that I owed a debt on my XXXX ( XXXX ) and that it has not been paid and if its not paid in full they are going to take our house and file papers to sue us both for the money due. My husband contacted me to have me call them ; they told me that the debt I owed was sent to them from the owner of my account because the payment arrangement I have be making to the company I owe XXXX XXXX XXXX XXXX XXXX ) was not enough to cover what was due and they we're here to settle the matter with my account ( ( arbitration ). The Lady I spoke to told me what my settlement amount was, and what I original owed ( and she proceed to read me my Social security number ) and said if I did not take care of this today that the next day they were schedule to send my papers for court filings for the full amount of {$8000.00} ( after my car was repossessed back in XXXX how much I owed ). The lady then ask me how much I can settle for ; I said {$900.00} maybe, she said okay! I then ask can they do that Amount? she said give me your credit card number and I can check ; then she put me on hold for about 15 min then told me that I would be sent documents that I needed to sign that shows the debt is Paid in Full and no further action can be taken against me for this matter. After I got off the call I was So upset because I felt that if I made arrangements with the Original debt collector XXXX XXXX XXXX XXXX XXXX ) they should have never sent me to a third party to collect all the money at once. I then called the Original debt company XXXX XXXX XXXX XXXX XXXX ) who I am making my auto payments to and told them that it was not fair that they sent me to arbitration to try to collect all the money when we had an payment arrangement ; they proceed to tell me that they Do not and Did not do such a thing and that someone just scammed me ( falsely took my money ) because they are the ONLY owners of my account and no one else has right to collect money on it nor did they send me to another party to collect my debt. I have reported this to the Attorney General ( XXXX XXXX XXXX ) This company is the not a legitimate company because they are collecting on debt that they are not the owner 's of. They need to be should be Sued for falsely misrepresenting and need to be dissolved. I would like an investigation on them and all need all my money sent back to me. 

I did not receive any service from this company, because I still owe this debt and the Credit card company does not want to refund my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was mistakenly/fraudulently charged on my Barclays Arrival Card by a company for something I did not approve. Barclays flagged these charges and blocked them after confirming with me that I did not approve them. Subsequently, Barclays reversed this block and charged me citing " documentation '' received from the company. 

I tried to contact the company, XXXX, about these charges but they have been unable to provide me the requested documentation. I also contact Barclays and they said they would send me the documentation they received so that I could review it as well. After contacting them via phone and by mail multiple times over a 6 week period I did not receive the documentation. 

I would like to formally complain about my treatment in this matter as I have a right to review these materials.

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 2022-10-03 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03 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: NC

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report between XX/XX/XXXX through XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with these companies : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a onsumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I previously submitted a complaint on XX/XX/XXXX that I initiated a consumer credit transaction at XXXX XXXX on XX/XX/XXXX with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything. 

GM previously responded back as if I my complaint was about a inquiry ( which it should be ), it was not ; and that I had applied for a XXXX XXXX XXXX this consumer transaction. My credit application was initiated on a XXXX XXXX XXXX XXXX XXXX. My main focus is that this was a fraudulent transaction. GM Financial is in violation pursuant to 15 USC 1642,15 USC 1681m and CFR 1002 because I the consumer initiated a credit transaction in good faith, but credit was not issued.

Furthermore, this is violation of 1602 ( p ) because my SSN ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on GM 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ) sent me a zelle transfer of {$2500.00} for a debt to my XXXX XXXX account. She later called her bank and reported the transfer as fraud in order to stop the payment. As a result, Zelle deactivated my accountXXXX XXXX XXXX closed my account and I can not access my funds. XXXX XXXX falsely reported fraud to her bank to stop the payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
I set up a Square account for my XXXX and XXXX XXXX XXXX  and I processed 2 transactions and 2 transactions got declined for reasons out of my control. 

They wanted me to verify my account which I did. I sent the my XXXX  paperwork, Drivers License, Linked my bank account and 4 other things of proof and they deactivated my account and are holding my money until XXXX. 

They need to release my funds to my linked business account instantly. 

This is not fair practices and it is discriminatory. 

All of my business paperwork is current and licenses valid. 

They need to release my money. 

Square is participating in discriminatory Banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX a check I wrote was stolen out of the mail and altered when I went into my Webster account on XX/XX/XXXX to make on electronic payment my balance was XXXX dollars I went into my transaction history and saw a check I wrote out to XXXX XXXX for {$440.00} was altered with a different name and dollar amount was changed to {$4400.00} I went to Webster bank on Friday XX/XX/XXXX filled out all paperwork work Im going on XXXX months still has not put the money back into my account I was told it can take 8 months before this money is placed back into my account I am the only source of income in my house hold this is hurting me financially I feel there process for placing the money that was stolen out of my account is horrible basically what Webster Bank is telling me until XXXX  refund the money to them, then they will put it back into my account this is terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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:
I didn't authorize these inquiries and want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
You closed my case XXXX and this issue is not resolved. We received a letter from the mortgage company, but they still have our account as if we are three months behind, we have missed no payments. We still can't get a clean Payoff of our mortgage to refinance or sell. this company seems really confused and has cost us a good interest rate and the home market is falling and we have loss equity in our home if we chose to sell when we originally started this process back in XXXX and it is now XXXX. Please HELP us they still have our account wrong due to us using the CARES ACT. Please see attached letter stating we still 3 months behind. We have not missed one payment.

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