vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: MA

Complaint narrative:
This is not accurate. 
XXXX XXXX XXXX XXXX XXXX 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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, I applied for the AMEX HILTON HONORS CARD, on XX/XX/, based on a Welcome Promo Bonus of XXXX Reward Points & a Free night stay! The offer showed up when I 's logged into my AMEX account. I 's instantly approved & received the physical card in the last wk. of XXXX, XXXX. Per XXXX XXXX XXXX XXXX XXXX to meet $ XXXX XXXX  in three months to qualify for the bonuses! However, I met the XXXX  of XXXX $ XXXX in the very first month of receiving the card! 
To this date, the PROMO BONUS of XXXX Reward points & a free night stay has not been posted to my account!! 
Repeated calls to AMEX were an exercise in futility! No one from AMEX CSR ever contacted me in whichever way/form! All contacts were instigated by me! 
What a pathetic display of XXXX from AMEX!! 
Furthermore, I 's denied any interaction with the Complaint Review Team! 
Only reason, I 's given for denial was a pop-up I 's supposed to get during the application process, alerting me of my ineligibilty! Of Course, I never received such an alert, otherwise, my common sense dictates, I would have aborted the application process!! 
Only reason I applied for the XXXX card was to get a head start with the Promo Bonus! 

Please do'nt hesitate to contact me if you need any further details/documentation! 

Your prompt resolution to my just & fair entitlement to the PROMO BONUS will be much appreciated! 

Best Regards, XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
There are multiple fraudulent inquiries on both my credit report and my XXXX XXXX XXXX consumer report XXXX XXXX XXXX dates are as listed : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

My XXXX  credit report shows fraudulent inquiries on the dates of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my XXXX XXXX consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from EQUIFAX and XXXX XXXX and Ive sent proof of this as well so this need to be deleted from XXXX and XXXX as well. 
How is it one consumer reporting agency follow FCRA and the other does not??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: IN

Complaint narrative:
I provided them the name of the account and I highlighted the incorrect information 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 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I received a call from the finance compy and made the promise payment. The compy accepted my payment and two weeks later tried to take out money from my account and did not have authorization to take auto payments. From the compy being blocked from my financial institution to regarding an auto payment, the finance company expressed they put a call in for a repo ( XX/XX/XXXX ) & my vechile was not up for repossession. I have an screen shot of the comy staying on the XXXX ( day of repossession ) my vechile may be up for repossession, but I did not receive any mailings or calls regarding this action. The finance compy ( Ally financial ) expressed they updated their system on the XXXX and did not inform me of any changes. I am at a lost as I can not go into my job due to having my identity or gargare information. I have many of my work materials and other personal items in the truck as well as my two special needs children devices in the vechile. 

Please assist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX last four of VIN # 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 2023-09-18 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: IN

Complaint narrative:
I provided them the name of the account and I highlighted the incorrect information on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
I provided them the name of the account and I highlighted the incorrect information 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 explanation
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
XXXX is holding over {$6500.00} of my money and refuses to apply it to the multiple mortgages I have with them. It has been three months since my checks were cashed and XXXX refuses to give me credit for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a real estate investor pursuing additional investments, I have sustained actual damages because I have been denied credit due to the misreporting by XXXX. XXXX misreport has caused my credit score to crash more then XXXX points. XXXX is charging me interest on principal I have paid, denying me of justified reductions in my interest expense. XXXX has violated both civil and criminal statutes in the State of California.

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 2023-09-18 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: DriveTime
State: FL

Complaint narrative:
I would like this inquiry deleted because I did not authorized this companies to run my credit this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: PR

Complaint narrative:
Since XX/XX/2023 I have been receiving calls from XXXX, today I decided to answer and they informed me that they were calling from FBSC Collection company and I have a credit card debt of {$21000.00} that ends in XXXX. I do not recognize that debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX  and XXXX XXXX  as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the XXXX XXXX XXXX and XXXX XXXX XXXX. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2023-09-18 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: Credit Karma, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX  till XX/XX/, XXXX on behalf of XXXX XXXX have been checking my XXXX. Not sure why or how to make this stop but it is negatively effecting my credit and ability to open a bank account. Please make this stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMCB CARD has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. JPMCB CARD has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/ I made a deposit of XXXX to my Venmo account and then stated on XX/XX/2023 my funds will be posted. Then I found out my account was frozen went through the process of getting it restored did everything they needed me to do just so they can permanently close the account now its saying I cant have access nor will I receive my funds. I could provide more info if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime sent me an email stating that my card was on hold due to them not being able to verify my information. I have not applied for any type of card from them or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The city of XXXX XXXX XXXX was charging my old apartment that I moved out on XX/XX/XXXX that I have a letter from management. I am not responsible for any bills after that date. I wrote a letter to everyone that I was moving. I told them I felt that a mail moving letter and the mailman said this goes to absolutely everyone that builds you that you dont have to worry about a thing will take care of everything we notify everyone that you have moved on XX/XX/XXXX I told him I would have them a letter by Monday on the XXXX that Friday are you fraudulently went into my bank account without my authorization and took out {$68.00} without my permission. There is no money in that account so I called my bank and told them they said theyre not allowed to do that so that giving me my money back the bank and I called the city of XXXX and told them they said they would give me a refund and a check I said you dont want that the bank will give me my money back so they were charging me for three months when I was not living there they were aware that I was not living there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Usa auto sold me a car with a rusted out frame and it broke Westlake management portfolio bought contracts and won't help I live in Georgia and no way this rusted out this bad in the little time I had the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX about XXXX I received an email informing me that Square is closing both my checking and savings account due my business being high risk. Im a grass mowing business and all I did was purchase stamps from a local supermarket to send out invoices. 

That isnt my main complaint though. Square can keep their service. 

However ; I have 9 checks from my customers that was expecting to transfer into my account that week into the early part of the following week. 

I want to know the following information about these checks ; 1. ) Did they clear? 
2. ) Will they be added to my current checking balance of {$180.00}? 
3. ) Were they rejected and returned to the issuer? 

Ck # XXXX for {$33.00} deposited on XX/XX/23. 
Ck # XXXX for {$220.00} deposited on XX/XX/23. 
Ck # XXXX for {$38.00} deposited XX/XX/23. 
Ck # XXXX for {$150.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited XX/XX/23. 
Ck # XXXX for {$66.00} deposited on XX/XX/23. 
Ck # XXXX for {$12.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited on XX/XX/23. 
Ck # XXXX for {$25.00} deposited on XX/XX/23. 

These 9 checks total {$740.00}. 

Im also simply adding the current amount of my Square Saving account so that theres an official governmental document stating the exact amount. Which is {$5100.00}. ( My trust in your institution is non existent after you pulled this stunt. ) Lastly, I want to know exactly what caused my account to become flagged as high risk. And if you can not provide that information I want my funds to be unlocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander Checking account did a ACH mistake twice to my account. And santander loan charged of {$2000.00} off my account when the santander ach made a mistake. 
Charge me money that did not belong to me. 

Left my account on negative {$2000.00} And they wont return the money to the account. After explaining that it was not my money. 

I explained Im filing for bankruptcy and been constantly getting harassed by their phone calls. 
explained that {$2000.00} is for taking. 



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 2023-09-18 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have been trying to pay off this TD Bank account since I opened it. They keep telling me that they are charges pending. It has been over 2 months. They show my balance as {$0.00} and minimum payment due as {$0.00}. When I called them initially, they said to wait until the order was fully delivered. All items have been delivered 2 months ago. Last time I called was on XX/XX/XXXX  at XXXX and I was told that I needed to call the XXXX XXXX and ask them to push the charges through. It continues to be a back and forth. This is my final attempt to pay these people. This is ridiculous.

Company response to consumer: Closed with non-monetary relief