vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022, I made a {$5000.00} payment to American Express. The available balance did not increase, which happens with American Express fairly often. Therefore, I knew what I had to do, I called them and then we called my personal bank, XXXX, so they could confirm the funds. XXXX confirmed the available funds. American Express took the payment and then I tried to use the card to pay my rent. I was unable to use the card as within minutes American Express decreased my available credit. 
I called American Express and they listed a number of reasons, however, I find that to be a very dirty practice. They said it had nothing to do with my payment. They said it was a coincidence and just a system generated decision. I find that totally unbelievable and a way for them to get your money and not let you use your credit. I would assume they should give you a little more notice than 10 minutes after they take a payment, especially, a large payment. I find it a very disturbing practice and very distressing. And, I have had a credit relationship with them for over 15 years. They know I have a XXXX XXXXXXXX  and have pulled this kind of thing on me when I was in the hospital and unable to pay my bills and my medications cause they wouldn't update my payment. This is American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 consumers rights to privacy and confidentiality under use 1681.XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15 u.s.c 1681 section 602 A states I have the rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a 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 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On or around XXXX XXXX, my Google subscription was hacked. They were able to take over my Google account and virtually hack into my banking. Also, they were able to reset my phone. Because my account ( XXXX ) was changed they said I have no recourse. Everything I have is in that account and Google me to go around in circles while my banking is being pilfered ( {$250.00}. ) so far. Also, accounts are being opened in my nameXXXX XXXX XXXX XXXXXXXX XXXX, to name just a couple. My life has been absolutely turned upside down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
Transunion has disregarded the law in multiple instances since I started my dispute on XXXX. As of XX/XX/XXXX Transunion has continued to report information disregarding and outright ignoring my dispute as well as verifying the information with the consumer to which it belongs. 

They are reporting transactions and experiencing ignoring the FCRA and continue to cause harm to me. 

This is defamation of character and I will pursue litigation. 

I disputed multiple items on my credit report after being denied credit and housing, XXXX and XXXX complied with the law. Transunion, without notifying me of Re-Investigation results re-inserted an already deleted item. 

I have a long paper trail of Transunion being the big reason I have been denied housing and credit. They have been negligent since XXXX which I have documents to prove. 

I have not been able to access my score or credit report since XX/XX/XXXX on Transunion.com as well as freeanualcreditreport.com. I can't change my password and can't login from either website. When attempting to chat or call employees hang up on me or never connect to the call. I called in XX/XX/XXXX to get the fraud alert lifted on my report. The employee told me I had to follow a procedure to get an elaborate mechanism off my report that I never opted in to in the first place. He ended up not even helping me remove it, they forwarded to me an employee that never answered and I never got to get the fraud alert off. I have an audio recording of this conversation. 

All in all, Transunion is continuing to furnish information which I have told them they do not have permissible purposes to do and is inaccurate.Transunion continues to ignore my written instructions. I have been getting denied for credit and housing because of Transunion 's willful negligence. I will be seeking a specified remedy.

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 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed this inaccurate debt collection. That has caused me great grief and caused me to miss an opportunity to buy my first home XXXX XXXX XXXX disputed on XX/XX/2022 {$330.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1000.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1600.00} This collection debt is in violation with FCRA and HIPPA LAW. It invaded my FCRA rights.

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Six weeks ago my savings, checking ad credit building accounts were frozen by chime and they requested receipts for some transactions. I provided them and it took them two weeks to tell me they were the wrong ones. I then sent in the right ones and have emailed and called everyday since for the last month and I can not get a response from anyone and when I call I get the same runaround answer everytime. They have XXXX of My money and I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX. I am XXXX  who owns my own company called XXXX XXXX. I was denied credit at San Diego Credit Union for a car loan. They said my credit was XXXX, when my account show my credit is XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ). I am filing a complaint against the Credit Bureaus. They are giving inaccurate credit reports on this file. Please check into this if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PR

Complaint narrative:
We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back. 

We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution. 

We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.

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 2022-09-29 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: MS

Complaint narrative:
I have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
I have informed this credit reporting agency that I am a victim of Identity Theft as early as XXXX. I have provided my FTC report and police report from local authorities. I have subsequently notified this bureau of misreporting on my credit profile. I have utilized the bureau 's dispute process to address these accounts, to no avail. Most recently, I disputed two accounts ( XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX. The bureau returned dispute results stating that both accounts belong to me and were validated. The bureau failed to provide me with this validation, per my request. If this is being verified by eOscar, please be advised that this is not a proper or thorough investigation per the FCRA. 

Additionally, I have alerted this bureau that these accounts have not been verified ( and therefore were removed ) by the other two bureaus. This agency now has actual and constructive notice of derogatory accounts on my credit profile, yet have not removed them. Lastly, this bureau has reason to know that derogatory information on a credit profile is detrimental and harmful to me as a consumer. 

This bureau has violated the FCRA and my rights as a consumer since XXXX. I have submitted a Demand for Relief to this bureau via USPS Certified Mail on XX/XX/XXXX demanding action and relief based on violations of 15 USC 1681. I have attached a copy here for your convenience.

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 2022-09-29 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: GA

Complaint narrative:
Name : XXXX XXXX Address : XXXX, Ga XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX, XXXX XXXX XXXXXXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

Both accounts *Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove this account from my credit report. I have provided federal laws and as a federally protected consumer, I expect this be handled accordingly. 


Thank you for your cooperation. 

Sincerely, 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 2022-09-29 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Community Loan Servicing, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with Community Loan Servicing is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This issue was already outlined in complaint XXXX and Affirm has failed to resolve it or adequately respond. 

Affirm has issues in billing my bank account where it fails to remove the money despite more than sufficient funds ( documented via bank statements in complaint XXXX ). These occur at random intervals and, as outlined in Complaint XXXX, sometimes funds were removed and then Affirm claimed to never have received them. Follow ups to Affirm customer service yield only scripted responses where Affirm never acknowledges the issue or provides any path to resolution. When I request phone support Affirm offers it and then never follows up with a call as promised. Affirm provides no other methods to get in touch with support. I have spent many hours attempting to resolve this to no avil. 

Affirm has made it impossible to pay back this loan as they will not take payment from my bank account or work to resolve it. Affirm is now threatening to send the loan to collections, despite this error being solely on their end and their lack of any real attempt to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX Money was deposited and hold on funds and when payment or debit card was used my account was charged an overdraft fee. Account was closed because of overdraft fees

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App has been deducting money from my business and personal account and I only had the app for 2 days and closed it due to them stealing money from my account and not wanting to take responsibility. When I have reached out to their representatives I have numerous I dont knows, we cant give you those answers and Ive been hung up on. This isnt what a financial institution as they claim they are should be able to do with your sensitive information or money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
They have my name address and number and dob all wrong in credit runs

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 2022-09-30 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: NC

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 ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$25.00} # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation