vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX of last year, the Santander bank accepted a loan for me to take out an XXXX XXXX XXXX car with XXXX, due to the high fees. I spoke with my bank, XXXX  XXXX XXXX, and they approved the refinancing. To date, the installments were up to date, on XX/XX/XXXX they sent me the pay off of the total car debt, immediately send this to the XXXX  XXXX XXXX. and XXXX XXXX  XXXX paid XXXX Santander the value that Santander had sent in the Payoff. Last week I received a bill for almost {$1400.00} dollars after two months of having settled the car debt with XXXX Santander, I called XXXX Santander because that bill had arrived. For which the loan had already been closed with them, they only replied that the entire debt was not paid, I called my XXXX  XXXX  XXXX and told them about the situation with the Santander bank, then they told me that it was not Bank 's fault of America, because they paid the payoff that the Santander bank sent me to pay them. To this day I don't understand why two months later they send me an invoice for {$1400.00} dollars and I'm out of work, and Santander calls me all the time to charge me if not, they report me for damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX Account NumberXXXX 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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, 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:
Transunion as an account " XXXX XXXX XXXX '' listed as an open account. 
The account was CLOSED XX/XX/2016. 
This is INACCURATE REPORTING.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute letter to TransUnion and did not get an investigation into the companies I complained about.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX ( 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 an 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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items reported that are not 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX in the amount of {$3900.00} on XX/XX/2021, 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. 
I take my privacy extremely seriously, and that right has been violated, causing me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I did not apply for any of these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been unable to receive money for my family for two months from XXXX and Santander Banks, both companies offer to fix the problem but neither works, causing my family to incur extra expenses for third party applications in order to access the money for my education.

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have a charge on my Apple credit card from XXXX XXXX XXXX, charged on XXXX XXXX XXXX for {$760.00} which is fraudulent and not charged by me. I disputed this charge through my credit card but the refund was declined by XXXX stating that I purchased tickets that were delivered to XXXX XXXX I tried to log into XXXX account with my email and received an invalid username prompt. I attempted contacting XXXX and was unable to obtain additional information because I could not verify the account. I emailed XXXX to provide proof that I accessed the tickets either through XXXX XXXXXXXX or through the box office which would require ID and I am waiting for their response. Otherwise, why would I purchase tickets and not use them. Hence, the request for a refund due to fraudulent credit card activity. 
Most people that commit credit card hacking can easily obtain basic information on a person such as address and email address. Also, this basic information is available online. 
I did not purchase tickets, and I would like my credit card to be refunded the amount fraudulently charged to my credit card. It is absurd that a company like XXXX will continue to enable fraudulent credit card activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
The following inquires are fraudulent XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
First account, XXXX XXXX car loan is fraud my information has been used to establish this account I want it off my credit report before I seek legal action against XXXX XXXX they have committed fraud my information was leaked because of XXXX, all my information has been used, I have filed a ftc identity theft report about this now remove it please XXXX XXXX is fraud yes all my information matched because someone used it to open and established these accounts I will provide documentation to prove it XXXX credit card Same information has been used fraudulently to open and established this account, I will keep filing complaints until these accounts are off my credit reports, this accounts are fraud, a course all my information is going to match someone is using it so please delete these accounts and blocked them I am sending information to block these accounts

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 2022-05-27 00:00:00
Product: Credit card or 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing this statement in regards to the fraud I experienced back in XXXX of XXXX. From that time till XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. This account was a prepaid XXXX card from California. I received a letter stating that Bank of America had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. 

Some evidence that points to fraud includes the perpetrator using a fake email account to get into my savings. The second information I was able to receive access to with help from one of the employees was that the sum of money was taken out of my account and deposited into another account with the last four digits being # XXXX. Unfortunately, I was unable to receive more information on the specifics of the perpetrators ' account but I crossed-referenced those last four-digit numbers to the numbers of the only other bank account I have. This account is with XXXX, and the last four digits of my checking account did not match the one mentioned above. On XX/XX/XXXX I sent in an appeal to the bank with attachments that included my personal statement, a copy of the police report I had made, and images of all the transactions made during the time the money was stolen from my account ( XXXX XXXX ). 

On XX/XX/XXXX, I received a call from Bank of America stating that they had reviewed my appeal and still stand on their initial response that no fraud had taken place and that the transaction was authorized. They had also stated they did not receive a police report but I had filed everything together and faxed it to the fax number they had provided for me. I now feel very helpless and anxious, unsure of what to do next. As a student, I do not know how I will be able to pay for school and basic living necessities, that is why I am using the resources that are made available to me by filing this complaint to the Consumer Finance Protection Bureau.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: ND

Complaint narrative:
I received a fraudulent CashApp in the mail. The fraudulent card does not have any phone numbers on it, nor does the letter enclosed with the card. After searching the internet I found a number to call. After waiting several hours for a call back I received a call from CashApp ( XXXX ). The person on the phone was told that I received a card in my name which I did not request. The person on the phone said there was nothing they could do over the phone to close the account. This was the most bizarre exchange I have ever had with a company. They seemed to care less that a fraudulent account was opened. I then asked for the account to locked down if it couldn't be closed and again the person on the phone refused. I now have a card in my name that I did not request that I have no control over and the card issuer CashAPp refuses to cancel. This company needs to closed down for these practices as they are allowing this fraudulent activity to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Received a text message from M & T Bank for a one time passcode. I do not have any accounts with M & T bank. I tried to call their fraud department but just sat on hold for XXXX minutes. On XX/XX/27 at XXXX est. I gave my address but since this is fraud app they usually dont use the true parties address.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX i summited a dispute it began on XX/XX/XXXX was completed XX/XX/XXXX which is unheard of for a proper investigation to take place in less then 5 days which shows Im not receiving a proper investigation on the fraudulent charge off with incorrect information being report as i pointed out and requested it all be deleted immediately because my credit file is inaccurate and not 100 % accurate. Experian just updated the inaccute charge off thats reporting wrong invalid information on me even after my documents reports and letters sent in.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 4. XXXX XXXX XXXX Account NumberXXXX 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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXXXXXX XXXX Account NumberXXXX 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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I filed a bankruptcy on 2017 and did not include mortgage in bankruptcy. They added attorneys fees on to my mortgage {$2000.00}. According to the creditors breakdown there were 2 checks sent total of XXXX and XXXX. I was unaware of the claim from Midland. I called and the person could not help me. I was told that payment does not have telephone and he could not them. 
I have been struggle through COVID to make my account current and this money has there this whole time.

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