vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: MN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency May make an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have a saving account with XXXX by Goldman Sachs. On XXXX XXXX, I transferred some money into it and opened a new account with XXXX bank on XXXX XXXX. Then I want to transfer the money to fund my new account. XXXX refused to transfer my money and wanted to keep it in their company showing no policy or regulations that I can not transfer in and out fund in 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to use their fraud services to retrieve {$3200.00} from a fraudulent XXXX transfer which they said I was cancelling it. I reported it the minute it happened and just now kin XXXX they are saying we can't do anything. The fact that they couldn't even stop it the minute it happened I don't understand when people cancel transactions days old. And I'm shocked with banks and fraud insurance they couldn't even get {$1000.00} back. It took me forever to save that money and the fact I gave bank of america 13 years of being a customer and they could not do literally anything to help since the beginning is wild to me. I was told to leave a complaint here by friends and family I really hope this belps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
On XX/XX/XXXX, I purchased some shoe boxes from a company online. When I finally received my package, the item that was received was not the item that I ordered. I disputed the charge with Capital One and they temporarily refunded my account. Apparently, the vendor send Capital One notice that the item sent was " foldable shoe boxes '', and that was enough for Capital One to accept their response. The company sent me what was essentially a plastic bag, so Capital One accepted this as " foldable '' and closed my claim and has denied all of my future disputes. The company does not have a phone number listed and my emails have been ignored. 

The charge for the item was on XX/XX/XXXX. Temporary credit was issued XX/XX/XXXX and charged again to me on XX/XX/XXXX. The charge is for XXXX from XXXX XXXX. I've emailed XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX with no response. Capital one has denied my disputes from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
The first thing I need to express and include for the record is that I am a licensed XXXX  in the State of GA, license number XXXX, and also a licensed XXXX XXXX XXXX, license number XXXX in the same state. 
This beginning of this nightmare with the three companies regarding my concerns, XXXX XXXX  ( processor and alleged lender of my VA home loan on XX/XX/XXXX ), XXXX XXXX Bank ( alleged holder of my loan " after closing '' however this was NOT DISCLOSED TO ME AT CLOSING, NOR IN THE CLOSING DOCUMENTS AT THAT TIME. Had I known this, since I am quite aware of XXXX XXXX Bank practices regarding certain minority communities, I would have NOT CLOSED my VA loan. 
The third company is Carrington Mortgage LLC. This is the alleged company that either was assigned as service company for my VA loan or purchaser of the loan from XXXX XXXX Bank. I am still not sure as to which of the about is correct. Carrington Mortgage and well as XXXX XXXX Bank refused to answer the question. 
During the covid 19 epidemic XXXX XXXX Bank attempted to foreclose on my home beginning in XXXX to XXXX XXXX. This illegal action was stopped by both a complaint to Congressman XXXX XXXX office, GA 4th District, and my complaint to Legal Shield attorneys. 
After the covid 19 forbearance ended XX/XX/XXXX, Carrington Mortgage LLC failed to process their required documents sent to them via fax, email and even fax from a local XXXX XXXX store in XXXX XXXX GA near my home. A complaint to a VA loan representative, XXXX XXXX, was needed to halt the most recent foreclosure attempt by Carrington Mortgage / XXXX XXXX Bank. 
Also, both of the above companies are continuing adding FEES to this account and sending MY CHECKS BACK TO ME WHEN I ATTEMPT TO PAY THE ACCOUNT. 
This process is what both, I learned today from online search of Carrington Mortgage LLC, are doing to INFLATE loan amounts on homeowners and cause alleged PAYMENT SHORTAGE leading to foreclosures in GA and elsewhere. The information located today about Carrington Mortgage LLC was shocking and new to me in that Carrington Mortgage LLC was FINED BY CFPB in XX/XX/XXXX for the same violations as was XXXX XXXX on their recent fine of millions of dollars to bank regulators. 
As XXXX veteran, retired local XXXX XXXX and concerned citizen about senior fraud and abuse in the mortgage and insurance industries, I determined that this complaint had to be submitted. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
I had a prepaid card with Cash App ( XXXX bank ) for which I had to dispute a purchase because of goods not being as described. This is a legitimate reason to dispute a purchase, but Cash App referred to it as a violation and deactivated the card, making it impossible to use the money loaded onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 604 Section A States I have a 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing in accurate information. with Experian, XXXX and instead of removing the inaccurate information they have been removing inaccurate information and replacing 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: NH

Complaint narrative:
I was initially looking for a loan to pay off my medical debt and other expenses so I applied online. Then a man claiming to be from speedy cash called me saying I was approved for the loan amount he said his name was XXXX. I checked online to see if speedy cash was a scam or a legitimate company it said the company was legitimate. He sent me a loan application to to sign on the speedy cash letterhead with correct grammar and language. I signed and dated it as well as sent a picture of my drivers license like he requested. He said in order to receive the loan amount of XXXX I needed tp first purchase a prepaid gift card at my local XXXX with XXXX $ on it and then send him the gift card information then they would send the money back tp me along with the loan account via my bank account information. He said because of my bad credit that would make it look like I had already paid off a loan with them and therefore they would be willing to loan me a greater amount. So I initially loaded a XXXX gift card with XXXX $ dollars and sent him that gift card information. He said it wouldnt work because the care had to be worth the exact amount of the loan which was {$290.00}. I proceeded to repeat the processs with the correct amount on the card. After which he returned the XXXX to my bank account assuring me the XXXX would come later that night. This was on XXXX  night. I assumed because of the weekend and the bank holiday the payment hadnt processed yet. But when I tried calling his direct line back no answer. So I called speedy cash directly. They has no record of an application or loan and informed me it was a scam so now I am reporting it to the appropriate authorities. This man has my drivers license and bank information and Im terrified of what he will do with it. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
Been trying since last XXXX to have my lease payment reported back to credit bureaus. every time i call they tell me the issue has been fixed but its still not on my report was given an XXXX Control number which i shared with credit bureaus and they say there system doesnt have such a number. dont understand what issue is but this is effecting a correct score on my credit report and im not being given acknowledgement for my payment to better my credit score. cant even get a trade in quote to get another vehicle being my lease is almost up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
This company is charging us a fee of {$20.00} for inactivity on the account. We notified them that we would like to close the account but they have not done so and are still attempting to collect a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon looking at my credit report, I see an account that is past 7 years reporting statute on my Experian credit report. The account is under XXXX XXXX XXXX ( Account # XXXX ) and only reporting inaccurately on Experian. Please delete this outdated account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. My name is XXXX XXXX. I have a personal account with JPMorgan Chase & Co. On XX/XX/XXXX my account was charged total of {$31000.00} from XXXX XXXX XXXX. Total of XXXX ACH transactions were made. However, I never authorized any of them!!! I called the bank ( Chase ) immediately and let them know that I never authorized those transactions. Let me also mention that I called them immediately the same day after those transactions were made. They told me they will give me a temporary credit as they also did not share my account 's information. Later, they asked me to come to a branch and sign a " Statement of Dispute ''. I did that and faxed it to them. Today, I called again to find out why they have not provided the temporary credit because these are tough times and I desperately need that money. They told me that the investigation is closed and they won't do anything more. I even tried to contact that merchant but they keep transferring me to somebody else. In the past, I have provided a service for that company and they paid me with XXXX transactions. I do not know why and how they charged me back without me giving any consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Sallie Mae then Navient I paid for the loan through them for over 15 years and the loan never came down they just stole money I paid back triple the amount I borrowed I had it moved to XXXX and they forgave loan Navient owes me a lot of money back as a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There's incorrect person information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There's incorrect person information on my credit report.

Company response to consumer: Closed with explanation