vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
according to this account XXXX XXXX XXXX XXXXXXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Originally I had a windshield replaced the company did shotty installand damaged my vehicle over XXXX. They granted dispute and then recharged me. Take away and put it back on repeatedly. Most recent ly account balance was XXXX payment XXXX interest charge XXXX new balance XXXX. They added my payment to my balance rather than deduct its fraud and they do it over and over and over. I call and complain and the next month reflects more fraud. And they never correct anything.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I hope this email finds you doing well. I am contacting about the forementioned company as I am going through the same issue as " XXXX vs. XXXX XXXX ''. with my credit report being inaccurate and the damages it's placed upon my life!! 

In XXXX of 2017, I went to XXXX XXXX and purchased a new XXXX XXXX. During XXXX, I had some payment issues and contacted their executive office for assistance... never received a response from them at all and about XX/XX/XXXX at about XXXX, they repossessed my vehicle, they sent me a bill of sale where they received {$6000.00} for the vehicle ... after reviewing my payments on my credit report, I've paid them {$11000.00}, adding the sale to that comes to {$17000.00}. Initial cost, {$17000.00}. 

They are not counting what I paid to them and have placed on my report that I owe them over {$12000.00}... it's false and it continues to cost me financially, men tally and physically every day!! After having my strokes mobility has now become a struggle. I've disputed this time and time again to no avail. I contacted IL Attorney General and presented my case to him. His recommendation was to seek legal representation as this issue must be addressed. I have attached all of my documents to you... please help me. 

( I HAVE ALL OF THIS DOCUMENTATION ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high XXXX XXXX range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
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 2023-02-12 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: DC

Complaint narrative:
On XX/XX/XXXX, my phone was stolen from my home, and the XXXX men who took it proceeded to login to my cashapp account and immediately began trying to transfer money to themselves and other people from my account. Here is a list of those transactions and their outcomes : XX/XX/XXXX XXXX - Payment to XXXX XXXXXXXX - {$500.00} - Payment was canceled for my protection. 
XX/XX/XXXX XXXX - Add Cash from XXXX XXXX XXXX - {$200.00} - Failed ( no reason given ) XXXX XXXX - Payment to XXXX XXXXXXXX from Cash app account - Completed. Refund Request declined. **** XXXX XXXX - Payment to XXXX XXXXXXXX from Bank Account with XXXX - Completed Refund Request Declined. **** I reported these fraudulent transactions to cashapp. The final XXXX transactions were deemed ( incorrectly ) by cashapp support to be legitimate. This is despite the fact that the {$100.00} charge is being disputed through XXXX and was refunded by them when the transaction was deemed to be fraud. When i followed up with Cashapp Support and asked why given all the evidence i supplied, what evidence did they have that the transaction was legitimate. They sent me an email that promised to contain the evidence that supported their ruling. Unfortunately, the only documentation they provided was XXXX page and only listed the transaction, with no supporting evidence attached. They did not refund me my money which was stolen on the basis of NO evidence, even tho i notified them of the theft AND provided evidentiary support of fraud. The letter also said that I had no recourse to challenge the ruling. They are stealing peoples money, and enabling others to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Regarding Robinhood inc. 

I have requested to have my account closed for more than 10 business days with no response, The issue began with there company not letting me use my funds that I deposited instantly to the checking account, that why they offer a spending card right? Well after them holding my funds, and not clarifying, resolving or corrosponding with me via the phone I would get a no info response and chat via web app the agent will close my ticket before responding to my requests to close account. There is {$550.00} in that account and Iam asking for help to get Robinhood to formerly close my account after transferring back my funds to the original deposit route via card XXXX. Or my XXXX XXXX linked to the account as well either method is okay I just want my account closed I owe no fees and no pending transactions. Please help me with this, I've read nothing but horror storys with this company upon further research and I'm just asking to return the funds to it's origin and close my account I do not want to do future business with them, Customer service is rude, poor and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: SC

Complaint narrative:
on XX/XX/22 klarna took XXXX out of my XX/XX/XXXXaccount, which XX/XX/XXXX doesnt even have recollection of it so they are in fault also, klarna made a card forXX/XX/XXXX that XX/XX/XXXX never alllowed me to use, so i was told that the funds would be refunded to my account once the card closed but the funds never refunded backl to my account and I have screen shots to back every thing i said and now klarna ignores me and will not give me the money they owe me with that transaction also XXXX closed my account after i returned some items and blocked me for no apparant reason and klarna refuse to refund me the money owed form those 3 returned items... .please help me get my money bacck ... .screnshots are dealign with the XX/XX/XXXXtransaction they never allowed me to make 1st screenshot shows the XXXX leaving my account 2nd shows..the XXXX cardmade each has what each screenshot was for the last shows where money was supposed to return to my account but never did ... ..klarna owese me over {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: NY

Complaint narrative:
My nephew was treated at XXXX XXXX for XXXX XXXXXXXX XXXX XXXX  2022 with XXXX XXXX XXXX. I have written hospital XXXX weeks ago without response There is overcharges on XXXX day of these treatment which I will point out as follows : XXXX Supplies : Day XXXX : XXXXXXXX baht,  Day XXXX, XXXX, Day XXXX, XXXX overage charge : XXXXXXXX baht XXXX XXXX days = XXXXXXXX baht. 

XXXX XXXX for XXXX : Day XXXX, XXXXbaht, DayXXXX XXXX Day XXXX, XXXX Overcharge : XXXXXXXX baht. 


Total XXXX baht XXXX XXXX baht/USD = {$22.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 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: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX. XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : 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 items 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 related 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 explanation
Consumer complaint received 2023-02-12 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:
XXXX account # XXXX violating my rights FCRA dispute not resolved I have a right to privacy Account not mine The law states that a financial institution can not display my information or furnish information on my consumer report without permission. If I opt out, the congress states I am not to have my personal information reported. 15 USC 6802 AND 6801 B ( 2 ). 
Please remove the inaccuracies from my report immediately. Due to disclosures not being provided with my signature and MY RIGHTS TO PRIVACY the following must be removed, its the law. Without my written permission this inaccurate information must be removed.This is personal NON PUBLIC INFORMATION and to be protected according to 15 USC 6802 ( A ).

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 2023-02-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Hello, I hope this email finds you doing well. I am contacting about the forementioned company as I am going through the same issue as " XXXX vs. Santander Consumer ''. with my credit report being inaccurate and the damages it's placed upon my life!! 

In XXXX of 2017, I went to XXXX XXXX and purchased a new XXXX XXXX. During XXXX, I had some payment issues and contacted their executive office for assistance... never received a response from them at all and about XX/XX/XXXX at about XXXX, they repossessed my vehicle, they sent me a bill of sale where they received {$6000.00} for the vehicle ... after reviewing my payments on my credit report, I've paid them {$11000.00}, adding the sale to that comes to {$17000.00}. Initial cost, {$17000.00}. 

They are not counting what I paid to them and have placed on my report that I owe them over {$12000.00}... it's false and it continues to cost me financially, XXXX XXXX and physically every day!! After having my strokes mobility has now become a struggle. I've disputed this time and time again to no avail. I contacted IL Attorney General and presented my case to him. His recommendation was to seek legal representation as this issue must be addressed. I have attached all of my documents to you... please help me. 

( I HAVE ALL OF THIS DOCUMENTATION ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-02-12 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: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2022 was when my vehicle was broken into and my work items were stolen such as my business phone, I kno I can take the blame for not having a passcode on there but I did have all my bank information in my notes my SSN and etc .. i have proof of the truck the type of phone it was and everything my bank hasnt personally reached out to me with a call or anything dealing with my account so I didnt think nothing of it. I have my own trucking business and have a business bank account with Navy Federal Credit union .. so when I finally get back home after working a week I had mailed waiting on me saying different things about my account suspicious activity? Mobile deposit? knowing it wasnt me I called navy federal as quick as possible and told them everything they immediately told me it might not be anything they can do and I might be responsible to pay back the funds.. I ask them what funds the person that had my log in information mobile deposited a XXXX business check in my business account Im like thats impossible! I havent even worked that much with my business to even pay half of that! I applied for a loan to get everything up and and running and that incident got my account closed my loan closed I still have credit cards I have to pay on navy federal not even trying to investigate not even trying to work with me like I did this problem THIS IS FRAUD THIS WASNT ME I deserve to have another account I never been apart of any fraud I had this account for some years they said they was going to get bk with me but I havent heard anything yet! If I can get another account back open I can at least try to pay something on it but I desperately need my account back I can not lose this privilege payment plans or something

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
The defective product was returned to XXXX. Without a membership the product will not work. The collection tactics have been harassing and my ex husband was called. They call me 3-4 times a day, send texts and emails. No balance owed. Debt should be removed from my report.

I am disputing this debt accuracy, This account is closed & settled & was sold to collections without my consent. I have received harassing calls & mail it's required by the Fair Debt Collection Practices Act ( FDCPA ) to remove inaccurate reports. 





CEDARS BUSINESS SERVIce XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation