vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/23 my cash app account had an available balance of {$18.00}. On XX/XX/23 at XXXX XXXX  my niece XXXX XXXX XXXX {$200.00} from XXXX XXXXXXXX to my account XXXX XXXXXXXX bring my account balance to {$210.00}. I tried cashing out the funds but I could not do so. Called cash app customer service department and they said my account had been frozen due to suspicious activity after {$200.00} deposit took place. They give me no information on how they would resolve this issue or when it would be resolved. I have reached out to the customer service department regarding this issue numerous times and they just tell me that the matter has been escalated and then end the conversation abruptly. I believe that the money has been stolen from me by this company because they are not providing any details concerning this matter. Just string me along.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: IN

Complaint narrative:
recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-11-20 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I Have been a customer with Santander Bank since XXXX, on XX/XX/XXXX, I received a letter that they closed my account, so I went to the bank. The manager there explained that he would not know the reason why they terminated the relationship, only the back office would know. I have 4 accounts, 2 private, 1 regular checking and one savings. On XX/XX/XXXX the manager explained that since the accounts were closed I should be getting the funds within 7 to 14 business days. The 2 private accounts have a total of {$160000.00} the other accounts total about {$3900.00}. I called the 1800 a few times to no avail. I visited different branches of the bank over 4 times to no avail either. 
one of the managers at one of the branches claimed that santander had mailed two checks ( no amounts were disclosed ) but were returned because it was the wrong address. ( I lived in the same address since XXXX, How do I continue to receive letters from santander at the same address they claimed they sent the checks? ) On XX/XX/XXXX I called and spoke with one of the managers of another branch, who suggested for me to write a letter to their corporate office explaining to them that it has been 30 days and I still haven't received the funds. I refused to write a letter is just going to be a waste of time!! 
I really need help getting my money back. It's been 33 days and nothing has been done. 
Please help me recoup my money. 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 explanation
Consumer complaint received 2023-11-20 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: NJ

Complaint narrative:
To Whom it may concern. I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so. Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission. ( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. 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 I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.

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 2023-11-20 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: SC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in 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 2023-11-20 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: SC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I told Experian to investigate this account. 

Account name : XXXX XXXX & XXXX Account number : XXXX. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX 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 suppose to modify accounts that aren't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-11-20 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My monthly payment on a XXXX Lexus XXXX is {$1900.00} a month. I did not notice that they used my income and also my Ex partner who was on my previous lease I had with them. Also, they had a market up on the car and I told them to please take that off. Right now I have been struggling to keep up with the payments and I asked a couple of times what can be done. They give me the usual options of trading the car which I cant because I am at least XXXX upside down on the car. They also said have dealer buy it back but it would still be the same situation with owing. What makes matters worse is the car I did a lemon lawsuit on it, and still has same issue but they don't want to take the car back. They have changed the fuel pump system twice, its been at the dealership over 5 times for that issue. Also, the front bumper is separating from the car. The shock absorber went out at XXXX miles.. They replaced the battery a couple months ago and it should have lasted longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX furnished INACCURATE & INCOMPLETE information to the credit bureaus. I sued them under California 's Civil Code 1785.25 ( a ), and demanded recovery under CA Civil Code 1785.31 ( a ) ( 2 ). XXXX not only ignored that, but also, while the litigation is pending, CONTINUED TO FURNISH INACCURATE AND INCOMPLETE INFORMATION, and adamantly REUSED to add the consumer 's statements, which accurately outlined the information about the lawsuit ( XXXX has a law firm defending XXXX on the case who never responds, and never does 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 2023-11-20 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:
FCRA Violation Incorrect : Requesting a credit report for an impermissible purpose XXXX XXXX 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 2023-11-20 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:
FCRA Violation Incorrect : Requesting a credit report for an impermissible purpose XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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:
FCRA Violation Incorrect : Requesting a credit report for an impermissible purpose XXXX XXXX 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 explanation
Consumer complaint received 2023-11-20 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I made my XXXX student loan payments early and on time, under the SAVE program. I made the payment for the balance that was due. I checked my balance for my student loans and noticed the balances due increased. I emailed Aidvantage due to the fact that under SAVE program the balance shouldnt increase as long as I pay full balance due. When you try to call the hold time is long and calls hang up. I have received no response to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I spoke with the first agent at affirm, who looked into my account and stated that he would send me a letter/email stating that my XX/XX/XXXX payment was actually paid and that he could see that it was an automated system that sent end my payment as being late. A payment for XXXX was also made on the XXXX and a payment for XXXX was made on the XXXX and those reported fine. I was disconnected from that representative and unable to get the letter or be transferred back to him. I then spoke with XXXX who also agreed that it was a system error they saw where I paid it in XXXX and it should not have been reported as such. She provided me with a letter that shows XXXX XXXX, and XXXX being paid and she notated in my account that it was system error, and that she was escalating it on her end. I called back to asked if they could notate in the email that they noted in my account. It was an error and that it was being escalated where I was transferred to the supervisor who told me this was beyond her control and that because it was charged off in XXXX which has nothing to do with me making a payment and then reporting it not being made in XXXX. She was very unhelpful and told me that I needed to get the credit bureau on the line because my account was charged off, however, three other agents were able to provide me with information stating that I indeed paid it they can see where I paid it and unsure as to why it reported to the credit bureaus as 30 days late for the only month of XX/XX/XXXX she kept referencing that my account was charged off. I never denied it and as of today, three months later from the charge of the account was paid in full I explain to her that I wasnt negating the fact that my account was charged off, I was trying to get the XX/XX/XXXX late payment removed from my credit report because it was indeed paid on XXXX XXXX just like XXXX and XXXX and those reported fine she was very unhelpful, she did not listen and disregarded what her last XXXX employees told me and notated in my account. I have the email from the agent and the paid screenshots from my affirm account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: GA

Complaint narrative:
Experian has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.

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