vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WA

Complaint narrative:
The company Credit Karma which is I believed owned and operated under the company XXXX. They have my federal refund of {$1000.00} which was deposited on XX/XX/XXXX. 

Originally I filed my federal tax return XXXX via XXXX on XX/XX/XXXX and applied for a Refund Advance and was approved for {$1000.00}. Back on XX/XX/XXXX I was able to use and access my funds as my " Credit Karma Spend Account '' was open and active. I transferred all the funds to my cash app and withdrew all the funds. 

Sometime between XX/XX/XXXX and last week around XX/XX/XXXX I checked the IRS.gov website which showed that my federal refund was to be sent to my bank account by XX/XX/XXXX. So I logged into my Credit Karma Spend Account, only to discover my Spend Account was closed for no reason and I had no emails or communication regarding the closure. So I called and emailed Credit Karma and they said I could open a new account but it would never work and so I left it as closed. 

I then called the XXXX XXXX XXXX XXXX XXXX, XXXX which is the company that disperses my federal refund and initiates the transfer of funds from the IRS to whatever bank you designate and they collect the refund advance loan payment. They said that Credit Karma will reject my refund and then they XXXX XXXX XXXX XXXX would then issue my a check and priority mail it within 2-3 business days. 

I called XXXX XXXX XXXX XXXX today XX/XX/XXXX and they said they have not received any rejected funds for my refund and that Credit Karma must have my money. I login to my Credit Karma account and click on the Spend Account tab and sure enough it says available balance {$1000.00}.

This is fraud and it's my money Credit Karma has no right to withhold my money. I want all of my money within 2-3 business days or I want a penalty charged against them for XXXX the amount of {$1000.00}. I have rent and bills that are past due, I was relying on getting MY MONEY not XXXX 's Money ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 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: NY

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently submitted a dispute to Experian via certified mail with return receipt # XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX. Concerning my consumer report being incorrectly frozen or incorrectly merged with that of another consumer by Experian. To date I continue to be prevented and Blocked from retrieving my personal credit reports from Experian via XXXX XXXX XXXX website. As this is not an isolated issue. I have complained to CFPB and had this issue escalated to XXXX XXXX XXXX. which operates XXXXXXXX XXXX XXXX. Experian is one of three co-founders of XXXX. Which makes it legally Experians responsibility to assure that consumer credit reports are being released with the utmost accuracy. If not, this is a direct violation of the FCRA Act. 

I submitted a complaint to XXXX XXXX XXXX via CFPB website XX/XX/XXXX. To make it aware that I was being blocked from retrieving a free copy of my consumer credit reports. Which are my rights according to the FCRA Act and federally mandated. To date XXXX XXXX XXXX has failed to correct the issue. I am still being blocked from accessing my consumer credit reports. Which is a blatant violation of FCRA Act. 
FCRA Act section 15 U.S.C. 1681e ( b ) mandates that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If these procedures are not followed, it is a violation. The FCRA requires that the credit reporting industry implement procedures and systems to promote accurate credit reporting. On numerous occasions the consumer has made Experian aware of this issue and requested it to be corrected to no avail. Despite actual knowledge of my credit file being mixed possibly with that of another consumer and or inaccurate. Experian has failed to correct and continues to illegally block me from my consumer reports. Which means Experian could be guilty of readily selling false information to third parties. As I have no way of retrieving, reviewing for errors, and disputing inaccurate information. 

Experian responded to my certified dispute letter via an email. Experian inaccurately claimed that the dispute letter was not from me directly. Which is incorrect and a usual stall tactic that Experian uses to prevent consumers from adequately challenge errors on their credit 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 explanation
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records 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 met with push-back even though I expressed the inquiries in question 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: IL

Complaint narrative:
make a validation with all of the information

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had my XXXX XXXX hacked and they sent {$520.00} from my account to his with 4 transactions of XXXX. Wells Fargo gave me provisional credit and are investigating my claim. They come back and tell me that they did not believe for XXXX of my transactions I was telling the truth because they said the that cash app sent them too much evidence for them to do anything and my claim was closed.

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 monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have sent 5 letters now one with tracking with signature confirmation they signed for it and still call and send letters. I requested them to cease all communications but they refused and think they are above the law. I have called and sent emails as well calls and massive amounts of mail come from them. The tracking number that they signed for is XXXX XXXX XXXX XXXX You can see if was signed for and received. At this point, they are willfully violating the FDCPA. I don't know how many more times I have to send them a cease and desist letter for them to ignore it even will it was signed for and reviewed by their staff. 

Reputable debt collectors do not violate the FDCPA and I would advise anyone reading this review not to communicate or do business with this company that does not follow the Fair Debt Collections Practices Act ( FDCPA ) which is the law! 

Legal action is being considered for FDCPA violations.

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 2024-02-24 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: NV

Complaint narrative:
I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.

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 2024-02-23 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed on my capital one card that I was being charged twice for interest once for regular that was fine and then I noticed that I am being charged for cash advances when I have never received cash back or ever went to a Bank or ATM There are XXXX fees and I never went and got any cash advances out and they have been charging me interest on this since XXXX of XXXX  when the account was open and I never received any cash on any purchases the guy a manager told me a cashier or store can charge your card as such?? I have never heard of such a thing. This is a sneaky and I don't need charges for something I never did and on each one of my statements on the front show no advances. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the post office to XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the hospital for XXXX weeks ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXXXXXX XXXX  and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX XXXXXXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXXXXXX XXXX  did not contact me to open an 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the XXXX XXXX XXXX XXXX  ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXXXXXX XXXX and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX XXXXXXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXX XXXX did not contact me to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below.

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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

I am requesting your assistance in having these items removed from my Consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I am writing in reference to an account on my credit report for One Main. It is reporting inaccurate and I would like more information. I received notification from the credit reporting agencies that the account was disputed and validated. Each time one main responded to the credit reporting agencies confirming the accuracy of the account without conducting a reasonable investigation, therefore violating FCRA. Because this violation has occured with all 3 credit reporting agencies, you are liable for the sum of {$3000.00} plus and additional {$3000.00} because the account is reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: 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.

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 2024-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial after receiving the XXXX affidavit, to claim the exemption of property tax as the vehicle owner, are trying to charge the client the tax improperly billed by the State to them as the vehicle owner. The affidavit needed by them to present the exemption application was sent since the first year of contracting the Lease. Proof of that are XXXX statements with no charge for property tax. 
The agents representing GM Financial by phone, while calling to dispute the charge, XXXX times confirmed receipt and were going to adjust, which has not been done. After the calls a letter claiming the tax was received, and answered pursuing Tax Code section 11.252 GM Financial either omits including the vehicle, in the list to claim exemptions for personal use, to the State, or was billed incorrectly, and must dispute the charge with the State of Texas. 
There is no responsibility for the client, since he is not the vehicle owner, to claim the exemption with the state, or dispute the charges. 
GM Financial must adjust the billing immediately instead of trying to neglect their own responsibility for omission, negligence or being billed improperly by the State.

Company response to consumer: Closed with explanation