vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Hello, and good morning, my name is XXXX XXXX ; and Ive been having banking issues lately. These credit unions have been skimming money from my accounts and mixing up the bank statements so that I cant keep track of the transactions to be able to keep track of exactly how much money I have. Its unfortunate that they would want to do this to me because there really isnt a real reason why they would want to do this to me ; other than the fact that I refuse to join the XXXX. You see Ive struggled financially my whole life, and I know that the main reason why is because they tried to recruit me when I was young and I said no because I truly follow XXXX. However, as I result Ive never been able to get ahead financially and its been by design not coincidental because theres absolutely nothing wrong with me mentally, physically, emotionally, or spiritually. I really do hate to be having to write this, but this conspiracy against my finances is getting out of control. The reason why I chose to write today of all days is because I went to work this morning for XXXX and cashed out for {$100.00} and it didnt show up in my account ; my information is correct they just dont want me to have any money for the big game and my team the XXXX  are in it so they just want to XXXX me off. Were talking about America First Credit Union and I recently left XXXX XXXX XXXX XXXX who started the whole ordeal of the skimming of the money from my account. I had caught them and they gave it back ; the little bit that I noticed, however its honestly making me question how long have they been doing this to me until the point where they wanted to get caught. I mean because lets face it nobody has time to go through their accounts and crunch the numbers of every transaction between each pay period. Nobody has time to do that and they know it. So now Im going leave it to the professionals to investigate, because I dont have time for it. 

Thank you for your time and I can be reached at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : 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 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. All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.

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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: MS

Complaint narrative:
Viewed the credit report and it shows that the XX/XX/year> payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/year>. A payment is {$250.00} was paid on XX/XX/year>, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/year>, at XXXX am confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly and documentation would be made on the account. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XX/XX/XXXX its showing incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive found several unauthorized inquiries on my credit report. These inquiries are fraudulent and have been made without my knowledge or consent.

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 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting XXXX XXXX XXXXXXXX # XXXX XXXX Balance {$28000.00}XXXX XXXX XXXX XXXX XXXX Balance {$14000.00}, XXXX XXXX XXXX balance {$140.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account balance shown is not the last balance on account. I requested an account validation. They did not respond.

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 2024-02-11 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: MS

Complaint narrative:
Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly and documentation would be made on the account. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XX/XX/XXXX its showing incorrectly.

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 2024-02-11 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: TX

Complaint narrative:
Ive found several unauthorized inquiries on my credit report. These inquiries are fraudulent and have been made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: TX

Complaint narrative:
Ive found several unauthorized inquiries on my credit report. These inquiries are fraudulent and have been made without my knowledge or consent.

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 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: FL

Complaint narrative:
This debt should have been part of the class action lawsuit against XXXX XXXX XXXX loans and this should not have gone to collections in XXXX in the amount of {$2900.00}. I live in the state of Florida and this loan was taken out prior to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been battling Equifax for the past 3 years about this on going issue with them not providing me my credit report. I have attempted several times through annual credit report to obtain the information on my file that Equifax has with no resolve. I have received correspondence from them at the address they state they can not send my information to. I get on the phone with their customer service representatives and verify all information about myself/ identity and still the same results. At this point I am ready to pursue litigation. The representatives have admitted that my identification documents have been received yet they still fail to provide me with the consumer reports that I am entitled to receive. Furthermore I am a person that was affected by their largest data breach and they still wont comply with what they said they would do. This is not the first time that I have made this complaint through CPFB. As a federally protected consumer my rights are being violated continually. If I am not able to obtain my credit report how can I verify that what is being reported is accurate? Why should I have to pay a 3rd party vendor to receive a report that is supposed to be free and may not contain everything they have listed. The FCRA 15 USC 1681 makes it very clear that I am allowed access to my information they have stored, that they report. Additionally, as a victim of identity fraud caused by family members and others I am not going to send in copies my personal identification or social security card again when it has been verified they have it on file already. Also they have repeatedly refused to change the incorrect variations of the spelling of my name in their system. The only name that I want on my credit report is XXXX XXXX. No other variations, especially since they have had data breaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX XXXX XXXX I had a credit refund balance in my Chase Sapphire Reserve Account of over {$5400.00}. I called Chase Sapphire Reserve on XXXX XXXX XXXX and requested that Chase send me a email with a link to allow me to electronically transfer the credit refund balance to my Chase Personal Checking Account. I specifically told the service representative that I did NOT want to receive a physical check, as it could take up to 7 tp 10 business days to generate a physical check and then an additional period of time to receive the physical check by mail. I was told that this process would be initiated and I should receive the email within 24 to 48 hours. I had not received this email on either XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and called Chase Sapphire Reserve several times to enquire about this. Each time I was told that this process takes time. I was also told that although I had specifically requested that I did not want to receive a physical check for the credit refund balance, there was a possibility that my request could be arbitrarily ignored and that the physical check may be sent automatically despite my specific request not to receive a physical check. I called Chase Sapphire Reserve again on XXXX XXXX XXXX since I still had not received the requested email. I was then told by XXXX supervisors that the electronic transfer of credit balance refunds was handled by a third party intermediary and that Chase Sapphire Reserve could not guarantee that I would be able to electronically transfer the credit balance refund to my Chase Personal Checking Account. This is unacceptable. Chase allows me to electronically transfer funds from my Chase Personal Checking Account to my Chase Sapphire Reserve Account to pay credit card charges but then will not allow the reverse to occur if there is a credit balance refund owed to me. This, in my opinion, is only an excuse to allow Chase to continue using the float on money owed to me until the physical check is delivered and cleared. This is an insult to Chase Sapphire Credit Card users and should be rectified by the CFPB.

Company response to consumer: Closed with explanation