vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I have ask numerous times for verification of the debt and to have the inaccurate information removed. No one responses or corrects. This is hindering and damaging to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data. 

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The reports and late payments are reporting Fraudulent.

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 2023-08-30 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: Westlake Services, LLC
State: FL

Complaint narrative:
Hello I called Westlake 4 different times requesting a discount for payoff being that the vehicle is faulty and has rain water flowing throughout the vehicle, The water is leaking all through the vehicle some places I have no idea where the water is coming in from. I was told they could not assist me with any type of discounts for payoff. I explained I don't think it's fair I make monthly payments on a faulty vehicle that could possibly be a dangers vessel for me and my family. I don't have the exact dates. My last call to Westlake was about 10 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. 

The 3 most recent occurred on XX/XX/23 from Santander Consumer, XXXX XXXX, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.

I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TX

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 explanation
Consumer complaint received 2023-08-30 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: IL

Complaint narrative:
I noticed an erroneous amount balance showing up on my XXXX Credit Report, so I filed a dispute immediately concerning a previous Loan with Affirm. 

All payments were made on time each month and this amount should not have been showing as outstanding. Affirm did not work in good faith with XXXX to resolve the dispute in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH APPLE CARD/GS BANK USA XXXX I DO NOT HAVE A CONTRACT WITH APPLE CARD/GS BANK USA , THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have requested that the credit reporting agency correct my address and I was told that I need to contact my credit company. I have done that and they have corrected my address, but I believe it's the responsibility of the credit reporting agency to have up to date and accurate personal information on my credit report and remove items that don't belong to me and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These have violated my rights per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that 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 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX. Suspected fraud on or about XX/XX/XXXX. Began reaching out to the companies who made the charges on my accounts. I was told they either didnt know, could not provide the information, or call banking institution. 
XXXX. Kept close eye on account. 
XXXX. Reason for suspicion was I accepted a position on good faith and this firm had my personal and banking information for direct deposit. Only worked here 16 days. On XX/XX/XXXX a partner of the firm was indicted on XXXX, impersonating a public official etc. 
XXXX. Contacted bank several times to review charges. Due to a security breach I was having difficulty accessing my account. I had to change phone numbers and could not receive authorization code. Advised bank of new number and the reason. Was told that someone would contact me. No call. 
XXXX. Reported issues to local law enforcement. 
XXXX. XX/XX/XXXX - card not authorized. Contacted bank and was asked a series of questions because I no longer had the number associated with the account. Asked could I retrieve money and advised account was on hold due to fraudulent activity of which i previously reported. Told that a fraud team would investigate and contact me in 2 or 3 days. Never received a call so I contacted the bank and account was open again. This repeated every other day until about XXXX. On this date I was told that my account was back open again so I asked had my number been changed on the account and it was not. Had talked to fraud team the day before. I always had to call. I never received anything in writing. I requested electronic bank statements and did not receive. Finally told that one might reach me in XXXX weeks. I am still reviewing charges. Due to the fraud I have had to provide my drivers license everywhere. I eventually got an account opened with XXXX XXXX because I have a credit card and XXXX auto loans. It still took days to get it opened. I have late billshaving to XXXX to family and friends that have cards. I still do not have a card. No answers to my questions or I need a subpoena. I really need some help. I have expended an enormous amount of time. I do possess some documents to support my complaint. I only have the last XXXX digits of the XXXX and card ending in 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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSCARD, LLC
State: NY

Complaint narrative:
I recently filed a CFPB complaint against Transcardgift which was closed without my consent. Transcardgift sent a card meant for me to an address I do not reside without my permission. Transcard gift is giving away my money/funds I am entitled to without my consent. Transcardgift must call that package/mail back and only send me physical mail at my address which is in XXXX XXXX XXXXXXXX during this calendar year ( 2023 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
They have been charging me for months fees on my business checking account refuse to reimburse me back my money

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 monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-08-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have received numerous American Express gift cards from my employers over the past few years. I could use them almost anywhere - XXXX, XXXX, other online vendors, grocery stores, sports stadiums. Sometime between XXXX, all stores stopped accepting my digital cards. 

The cards would be declined by American Express, even though I had sufficient balances on the cards. When I called in to ask about it, American Express representatives assured me that this was to prevent fraud. They explained that they were no longer allowing most online payments for my type of virtual gift card. They assured me I would be able to add the cards to my XXXX XXXX and use it at brick-and-mortar stores. Contrary to those assurances, the cards were also declined at those stores. 

I can not use these cards anywhere - I have been trying for months. 

I called American Express and asked to have my balances transferred to physical cards. I was told the type of gift card I was given can not be transferred. 

In my discussions with several American Express representatives, they told me that these prepaid gift cards can not be charged too close to their current balance, nor can they be used for partial payments. This policy appears to be designed to skim money from every single gift card. 

I currently have a balance of {$150.00} across four gift cards that I can not use. This was money given to me by my employers. At the time of purchase, these cards were usable - I have used each of them for at least one transaction. Sometime after their purchase, American Express stopped allowing me to use these cards. 

My employers ( the purchasers of these cards ) have been similarly unable to get American Express to release my money. 

American Express Prepaid Card Management Corporation is holding my money hostage and refuses to offer me any viable solutions to release my funds. I have spent hours on the phone talking to multiple company representatives and all they can tell me is that I should try again at another store. They tell me they are working on a resolution but it's been nearly a year with no change. 

Moreover, American Express continues to advertise their gift cards as " Widely Accepted. Use this Gift Card at merchants that accept American Express Cards in the U.S. '' And : " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This is no longer the case and the company knows this. 

I have found numerous accounts complaining about this issue. Physical cards are more likely to be accepted but digital cards are increasingly hard to use. I am finding it impossible. 

I have also filed a complaint with my state 's AG about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that this limitation might have been placed due to a misunderstanding or an error, as I am confident that I have not violated any PayPal policies. 

I have been a loyal and responsible PayPal user for a considerable period of time, and I have always made sure to adhere to the platform 's guidelines and policies. Thus, the current situation has left me deeply perplexed and concerned. 

I kindly request that you initiate a thorough re-investigation into my case. I believe that upon review, you will find that there has been no breach of PayPal 's terms from my end. I am committed to resolving any potential issues and to providing any necessary documentation to support this claim.

It is my earnest appeal that you reconsider the limitation on my account. I understand the importance of security and policy enforcement, but I am convinced that this matter can be resolved with a fair evaluation of the facts. Restoring my account would not only reinstate my access to essential financial services but also reinstate my faith in the PayPal system. 

I genuinely value the services that PayPal offers and the convenience it brings to countless users like myself. I am hopeful that this matter can be resolved promptly and amicably. Your assistance in this regard is greatly appreciated. 

Thank you for your time and attention to this matter. I am eagerly looking forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Westlake Services, LLC
State: GA

Complaint narrative:
US Auto sales outsourced my loan, and canceled my warranty without giving me any explanation or warning. My car needs repairs and I shouldve had the warranty until XXXX XXXX My warranty is included in the price of my loan. So if they can just cancel it, I feel I should be reimbursed for the cost of it.

Company response to consumer: Closed with explanation