vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I am refilling this complaint to TRANSUNION with FILE number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MI

Complaint narrative:
On Wednesday, XX/XX/XXXX i placed an order for a laptop at a local computer shop at. I picked up that order the next day and went home and once i arrived home i spent an hour or so setting it up and while doing so i noticed the display of the laptop was defective so i took the necessary steps to get a repair, which are inform the store of the issue and drop off the device and that i did. A few days go by and i was told the issue isn't able to be fixed and there are no viable options for replacement so i can either take a refund or repurchase. I requested for a refund as the Financial institution i used for this entire transaction was Cashapp or XXXXXXXX XXXX as it's known, now i closed the account i used for this very transaction on Friday, XX/XX/XXXX and this entire interaction for the repair/refund didn't quite finish up till XX/XX/XXXX and which case i went to Cashapp and opened up a live support chat to see what my actions are and they told me to verify some information and which i did and then told me the balance. A few hours go by and i do the same exact actions and even say the exact same messages i said from the first interaction in the chat and all of a sudden i am being told my information is incorrect and to call the support line and which case i did and they told me to go right back to the chat, so it's been a few days now and i have not even been able to access the funds nor even know if there are any and any attempts to find out have been met with the message my information isn't correct or my attempt to access the balance isn't approved and it just feels as if they're keeping my money from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NJ

Complaint narrative:
During COVID time, I requested a high speed internet service called " XXXX '' from XXXX for my home on XX/XX/2020. 
The company informed me that XXXX is not available at my zip code. 
My Address - XXXX XXXX XXXX, XXXX, NJ XXXX Till today 's date the service XXXX is not available at XXXX. 
So there is no point for XXXX to charge me for the service as it do not exist in my area and due to this there is no chance I could have used it. 

Despite this fact the company kept charging me every month since XX/XX/2020. 
Right now they have handed over the account information to a debt collector company called as CREDITCONTROL ( www.credit-control.com ) - Ph : XXXX. 

On XXXX XXXX I got an email from creditcontrol regarding the collection of {$1200.00} I contacted both the companies, XXXX and CreditControl, they are not providing me proper reason for the case. 

I request to whom it may concern - XXXX OR CreditControl to withdraw this charges as I have never got this services.

Original Account number - XXXX CreditControl Reference Number - 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M1 Holdings Inc.
State: CA

Complaint narrative:
M1 Finance is holding my money hostage unless I pay a ransom to leave the platform. I currently have only about {$100.00} in my XXXX XXXX  on their platform. They are refusing to transfer it and denying other companies to withdraw the money given I don '' t have enough to cover their $ XXXX fees to leave the platform. 

They are effectively holding my money ransom and have been stalling for weeks so they can implement their Monthly charge to effectively absorb my account. 

What they are doing should be illegal. I imagine this post will likely get deleted like others on this subreddit but I hope I can possibly help others out by letting them know.

The most ironic thing is I have two close family members who have $ XXXX and $ XXXX with them and they were both bribed to stay- they were offered {$250.00} to keep their accounts with M1 and yet I am getting charges $ XXXX to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My statement balance due for payment on XX/XX/year> was for {$2900.00}. Payment was mailed as a certified check in the amount of {$2900.00} for payment from my attorney. This payment was available for pick up on XX/XX/XXXX from the address on the payment slip. I was issued a refund check on XX/XX/year> and received a XXXX balance letter dated XX/XX/year>. On XX/XX/XXXX they produced a statement showing my credit as a charge and a new balance of {$50.00}. Once my credit was updated and I saw they reflected on this account with a balance. I called on XX/XX/XXXX asking for management to rectify the issue and get the account back to zero as documented. The representative said management stated this would need to be paid. She waived the {$9.00} processing fee to make the payment by debit card over the phone and took my payment for {$50.00} on XX/XX/year>. As I mentioned to the representative on the phone, I am unaware where this form of transaction process is legal. I paid it to be rid of this company ; however, I would like this looked into for other customers and if my funds can be reimbursed, I would also appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
I lost my debit card and I have a copy of it on my " XXXX XXXX ''. In addition to that I didn't realize my debit card was missing because I have all of my bank cards on my " XXXX XXXX '' so when I finally realized I lost my physical debit card, I immediately call " Key Bank '' and I told the representative what happened and as we were on the phone the thief did a with-drawl and I pointed that out to the representative.It 's been four months since they did anything about it, every time I call they would always give me the run around and give me false dates to expect the " provisional credit ''. Last minute they told me that my claim was denied because it was me that went to the bank to make that withdrawal. they claimed to have CCTV footage of me taking out cash, They claimed the person had dread locks and I don't have long hair i have a short hair cut and I'm XXXX and XXXX the person they described was a completely different person from me. I was told to send a selfie and a picture of my state ID which I did and they still didn't reimburse my money and this has been going on for four months now and I think its very unfair the only reason I even started banking with them was to start saving and eventually get a credit card with their institution. My account was even closed and at this point i am desperate and i do not know what to do, I need the funds asap because i am way behind on bills at this point and even missing meals because of this situation. I sent them proof and I've been inside the key bank institution once and thats when I went directly to the teller and made a deposit into my account for about " {$5700.00} ''. This might not be the exact amount just to be clear but it was around that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account was opened XX/XX/XXXX and closed XX/XX/XXXX. States I owed XXXX from XX/XX/XXXX to XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Inaccurate information on other credit bureaus.This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Equifax failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
By Federal Law In 15 USC 1681 ( C ) -2 Block of Information resulting from identity theft of a - 4 Day Block of Information Removal, that's correlated in 15 USC 1681 ( A ) Definitions ; Rules of Construction ( D ) ( 2 ) Exclusions ( I ) The Term Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; such as collections, repoessions, charge-offs, charged-off as bad debt, late payments, debit to income rational, credit utilization, inquiries any other and all derogatory remarks etc.

that would put a detrimential affect on his/her consumer reporting file.

I'm will be seeking {$1000.00} per violation in a separate invoice attached to my Consumer Financial Protection Bureau report in 15 USC 1681 ( N ) for Civil Liability for Willful Non-Compliance and other Civil Liabilities for any derogatory remarks on my consumer file solely to transactions and experiences to all creditors that reported this illegal excluded information to my consumer 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 2024-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, CXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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

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 2024-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX 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 XXXXt # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
Accont # XXXX XXXX XXXX XXXX Voilations of usc 1681a Transunion is reporting transaction history late payments to my credit report XXXX XXXX XXXX XXXX has initiated arbitration with said company Correct account in positive standing

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 2024-04-04 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: CA

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Charged off debt I tried calling to settle.

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 2024-04-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
The Prepaid Debit Card was provided for FMLA benefits and there was an issue with a transfer I initiated on XX/XX/2023. I transferred {$3100.00} to my personal XXXX account, which I had closed previously, and because of that, I did get the money. but the money should be returned to the money network bank, because the account was closed. 

I have reached out to both companies ( XXXX and Money Network ), but they keep saying the money is not there. 

Money Network is not able to provide the ACH trace number to XXXX to track the transaction. Every time I call them, they put me on hold for 30-60 minutes with no response

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 2024-04-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681, emphasizes the crucial role of fair and accurate credit reporting in maintaining the integrity of the banking system. It unequivocally states that inaccurate credit reports directly undermine the efficiency of the banking system and erode public confidence, which is vital for its sustained operation. 

Yet, despite these clear mandates, violations of the FCRA persist, causing significant harm. When my privacy is infringed upon through unauthorized inclusion of accounts in my consumer report, it feels like a blatant disregard for my rights. After all, I should have full control over what information is disclosed about me. 

Such violations are not only a breach of trust but also tantamount to identity theft under the law. Sections 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are explicit in requiring written consent for the inclusion of any accounts. The failure to obtain such consent opens the door to civil liability, as outlined in 15 U.S. Code 1681n. 

It's deeply frustrating to think that my privacy and financial well-being are jeopardized by these lapses in compliance. Each instance of noncompliance represents a violation of my rights, for which the law allows for substantial penalties. It's high time that credit reporting agencies are held accountable for their negligent and willful actions, as the consequences extend far beyond mere inconvenience.

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 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Sensible Auto Lending, LLC
State: RI

Complaint narrative:
XXXX from XXXX XXXXXXXX XXXX in XXXX, MA referred me to Sensible Auto LLC for loan approval. Sensible Auto would approve loan under condition that I purchase extended warranty from XXXX XXXX. I believe this was a scam and that Sensible Auto works with warranty company XXXX XXXX XXXX XXXX XXXX XXXX XXXX This power train plus warranty was purchased with car seven months earlier at Dealer XXXX XXXX as a condition for Sensible Auto LLC to approve the loan for the car as stated by XXXX XXXX 
Engine of the recently purchased car ( XX/XX/XXXX ) seized on XX/XX/XXXX. 
While I needed transportation to get to work I requested deferment of loan several times while warranty company worked with repair company on repairs. 
Called XXXX XXXXXXXX XXXX  where car was purchased and referred to XXXX XXXX XXXX who works with Extended XXXX XXXX on XX/XX/XXXX it was towed -gave consent to have diagnostics done. 
I called several times after two weeks of waiting for update on diagnostics. XXXX reported waiting on information from XXXX. 
I then called XXXX to ask for update and representative XXXX reported they were waiting on needed information from XXXX XXXX XXXX. I then called XXXX with the knowledge of their need for action and was told that they were waiting for AUL which I became concerned as I just got off the phone with them stating XXXX XXXX XXXX is responsible for the waiting time. In need of transportation and communication for whether not not my car would be covered by warranty /when my car would be repaired and being told conflicting information, I informed XXXX I would need to take the car to another repair shop I called and told me they could have the diagnosis done in 2 days. It has now been 6 months and the vehicle is 124 days past due ( I believe incorrectly as payment was made on XX/XX/XXXX ) and now that the vehicle is under repossession the warranty finally approved claim. 4 days too late and an unreasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I was looking to my credit report noticed that there were hard inquiries that are not mine on there

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 2024-04-04 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: OK

Complaint narrative:
I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of 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