vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I dispute hard inquiries this company refuses to delete these items..and credit collection saying I owe to bills I never got insurance with them I want these to be removed I need the original sign documents from these companies that say I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is committing fraud. I have an XXXX XXXX account that was flagged as bad debt back in XXXX. But previously another time in XXXX. XXXX XXXX flagged that same account again this week and Experian took another XXXX points off my score. Legally you can not blame a person for the same crime more than once so why is Experian allowed to damage my credit more than once for the same account same balance and same reason. Cfpb please document this

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 2023-02-25 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: AR

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. One particular account is misleading and incorrect, it must be verified immediately to prevent further harm to my credit file. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX Balance : {$180.00}

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XX/XX/2023 - XXXX  documented a " HARD INQUIRY '' from : " NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XX/XX/2023 thru XX/XX/2023 - My PHONE, EMAIL, FINANCIAL INSTITUTIONS '' ( 3 ) were compromised resulting loss of cell phone use. XXXX bank froze my account due to suspicious attempts for a credit card, XXXX XXXX recv 'd 5 credit card charges, on 2 different credit cards, each charge was approx {$4800.00} and totaling approx {$25000.00} ). The charger 's ID is : " XXXX XXXX # XXXX XXXXXXXX XXXX '' on bank statement. On XX/XX/2023 I am a cosigner for my sister at XXXX  XXXXXXXX XXXX, and her debit card was charged approx {$4800.00}. Specifically, there were charges for {$4600.00} and {$4800.00} ). 
My brother and sister are on my XXXX XXXX phone plan, and we are all receiving security codes ( approx 20 as of today ) whenever fraudster attempts to access our phone account and XXXX XXXX sends a verification code. 
Actions taken : I have ordered new phone and sim card from XXXX XXXX, I have replaced XXXX XXXX XXXX, I canceled all credit/debit cards and requested new ones, and changed all checking/savings accounts numbers, and filed claims on the credit card charges. I have changed all passwords, pins, security questions. I have requested credit report, placed a freeze/fraud alert on XXXX, XXXX and XXXX. NOTE : Only XXXX showed the Hard Inquiry from Nordstrom! I contacted NORDSTROM TD BANK, and they said a credit card application had been filed and approved, and their fraud dept would be notified. NOTE : When XXXX canceled my existing card and reissued a new one, they sent the card information to me via a secure email, and within hours, the new card had fraudulent charges on it ... which is how I knew my email had been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OR

Complaint narrative:
I was issued a card by XXXX XXXX XXXX the same as I have been hundreds of times before. While trying to use the card online I accidentally entered the CVV code incorrectly 2 times. The third attempt I corrected my issue and entered the correct cvv code but the card was still declining. 

I contacted the support for this card at the phone number listed on their website. After speaking with an agent, XXXX, she advised me that when the cvv code is entered incorrectly 3 times the card is locked for 72 hours and there is no way for them to fix this issue. The only option is to wait 72 hours. 

Finding this answer unacceptable, as anyone could understand, I then asked to speak with a supervisor to confirm this policy. My main concern is that nowhere in any terms of service, FAQs or any other location was I made aware this would occur. This is information that should be provided to consumers considering the inconvenience and potential for abuse. 

I was then transferred to a supervisor, XXXX, who advised me this was not the policy and that the card was not locked. When I then went to attempt to use the card it declined again. The agent then advised me it was the merchant that was the issue and that the card did not work with this merchant. Since I use hundreds of these cards I knew that was not the case and advised him of this. He then advised me that the card was not locked, but the cvv code was locked and that was the cause of the issue. 

Since this is not how gift cards work I asked him to clarify and he advised me there was nothing they could do and I would have to wit 24 hours. Since this was now the fourth different reason I was given I asked for clarification and documentation on the actual reason and policy, but XXXX did not have an answer for me. 

This is an obvious situation of the card issuer attempting to save money and hurt consumers by hiring unqualified or poorly trained support agents which, with financial services products, should not be acceptable. This company needs to have a way to fix issues like this on their end. If any bank locked access to a customers money without any resolution other than waiting an indeterminate amount of time and did not publish any policy to alert consumers to the actual procedure, they would not be allowed to continue. 

I do not see why any prepaid mastercard issuer should be allowed any different set of rules. While I would hope this issue would be resolved prior to this complaint being addressed I would hope there is some regulation the CFPB can enforce to prohibit a company in this sector from these practices. I am writing not to fix my issue but to protect all future consumers from having this same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: MI

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. 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 XXXX. Account Name : XXXX. Account Name : XXXXXXXX XXXX XXXX XXXXXXXX. Account Number : 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 15 U.S.C. 1681 c. ( 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 explanation
Consumer complaint received 2023-02-25 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: MS

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  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 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 explanation
Consumer complaint received 2023-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I filed a dispute with my credit card company regarding an issue/unauthorized charge on my card. I sent in all of the supporting documents that was requested in a timely manner. The company that was disputed, XXXX XXXX XXXX XXXX Fl for {$630.00} on XX/XX/2022, is a scamming company who claims to fix/repair vehicle parts, but ultimately is causing the vehicle/ CPU more issues than before, which causes XXXX XXXX to request more money from the customer and will still give the customer/myself a broken part which causes my truck to not run/drive at all. I will attach all of the documents including the note sent to Navy Federal credit union to remove the unauthorized fee that we NEVER agreed upon. Navy Federal then gave us a temporary credit and after submiting all of the requested paperwork, they still showed favor to the merchant who could not have provided any proof that the charge was authorized. The fee that WAS authorized was paid by another card that is not Navy Federal and the amount was significantly lower than the {$630.00}. My husband and I ended up with a unfixed truck and double paid repair expenses for a vehicle that we still can not drive. 

Dispute read : Once I got the part back on my truck after the repair, the truck was still acting up and undriveable. Hence why I took it to XXXX to get a diagnostic check on it. The 2nd upload reads the issues that are mainly wrong with the truck and the CPU still being the biggest issue, which was supposed to have been fixed by XXXX XXXX. I reached out to XXXX XXXX to advise them of the situation with the part. They stated that I then needed another part for the truck and will need a card on file for holdings. As well as to bring the part back IF I want to proceed with then fixing the truck. I declined for future services, which is why I decided to have XXXX fix this issue now instead of XXXX XXXX. XXXX XXXX  then charged my card on file without authorization, no receipt, or reason as to why the card was charged. My wife and I just so happened to check our credit card charges and noticed a unauthorized charge from that company. We tried calling them to get answers and our money back but to no avail. Then we researched the company on XXXX and the results were so alarming and disturbing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: SC

Complaint narrative:
An account was open with this company called Tempoe that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a 18-month CD with Ally Bank through a representative on the telephone on XXXX XXXX, 2023 when the rate was 4.25 %. Ally Bank has a 10 Day Best Rate Guarantee for all its CDs ( see attachment ). Its CD rates for the 18-month CD increased to 5 % within 10 days and I did not notice an increase for my account. I sent an email inquiry to Ally on XXXX XXXX and received an answer stating that I should be receiving the best rate ( see attachment ). I noticed the rate still did not change on XXXX XXXX and sent another inquiry. Not until then that I was informed that the IRA XXXX does not have the 10 Day Best Rate Guarantee ( see attachment ). This fact is nowhere mentioned on its website nor was it stated to me by the Ally representative when I opened the account. I only learned of this fact AFTER I opened the account.

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 2023-02-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX  XXXX XXXX Balance : {$11000.00}.

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 2023-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} ; JPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo is forcing my account to overdraft in large amounts just before my husband gets paid. My account isn't covered by overdraft protection but somehow my account keeps ending up XXXX or more overdraft. When I go through my banking statements I found where XXXX+ dollars is missing from my account every couple of days also causing overdrafts. As of today 's date there is just about XXXX of my tax return missing from my account.

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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: VA

Complaint narrative:
No response as of XXXX XX/XX/2023 regarding my request on XXXX XX/XX/2023 to withdrawal my cash funds to my linked bank account ( XXXX ). It has been over 30 days since I requested a withdrawal to my linked account. I have email numerous times regarding ticket # XXXX. 

Transaction # XXXX Blockchain continues to hold my withdrawal request to my linked account ( XXXX ), Please assist XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
please make sure that I definitely want to sue the TD BANK BANK XXXX IN XXXX XXXX IN NEW YORK for flagging my account for no apparent reasoen an freezing my account too. the name of their supervisor id XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC
State: MS

Complaint narrative:
The company listed below A few days ago, I spoke with a representative from Sensible Auto regarding a duplicate payment made on my account. Sensible auto made a payment to another persons account with my banking information. 

We were told that the funds would be returned. However, the funds have not been returned. 

Fraudulent transactions information : The payment was made to a different account holder. I live in Mississippi and the payment was made on behalf of an individual in New Hampshire. 

I have provided pictures below. 

Office mailing address Sensible Auto XXXX XXXX XXXX XXXX, CT XXXX XXXX Insurance lien holder Sensible Auto XXXX XXXX XXXX XXXX, GA XXXX XXXX Fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation