vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: GA

Complaint narrative:
On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from XXXX XXXX for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted XXXX XXXX and was advised that the loan was opened XX/XX/XXXX at a car lot in XXXX. I advices them that I live in XXXX and on this XXXX I was in XXXX Hospital XXXX XXXX XXXX from an XXXX XXXXXXXX  so it was impossible that I was in XXXX  at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from XXXX stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in XXXX  because I know for a fact I was in the XXXX  and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and Transunion. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. Transunion refused. I called Transunion four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX XXXX XXXX I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless XXXX removes the account Transunion will not be helping me. I also have a XXXX XXXX  because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in Transunion does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.

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 2023-07-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-07 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: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account has been locked for over XXXX XXXX XXXX  XXXX  months with over XXXX $ stuck on my account.Ive beeen sent an email letting me know I was permanently banned for no real reason and have to wait XXXX  days to retrieve my funds, but thats too long Im not rich by any means and that money is really needed. I havent been able to get any help from customer service or live chat after numerous attempts this is my final option so hopefully this can help me get my fund back please. 

MY EMAIL ON FILE FOR VENMO IS : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This company contacted me a XXXX  months ago on XX/XX/2023 threatening to sue me if I didn't pay them for a charged off debt with Speedy Cash. They had sold the debt to a company called XXXX XXXX XXXX whom I paid through a debt consolidation company. I sent them the receipt for said payment and at the time they basically declined to accept it. Prior to that I provided them with my debit card number. Because they refused to accept the receipt I called Speedy Cash whom they were saying was going to sue me and they said they were doing no such thing. I cancelled that debit card before they could do any damage. I had blocked their number but today they got through again leaving me a message saying this was a notification of a legal action. I did a reverse look up of their number and they come up as a scammer. The most concerning thing to me is that they have my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: S & S Recovery, Inc.
State: TX

Complaint narrative:
XX/XX/23 I got a call from SS Recovery over student loan at XXXX, a XXXX bill over getting committed last three weeks of school, and one wF out of fur grades meaning i owed them XXXX three years ago. I ; ve disputed the bill but decided to pay it off XXXX a month XX/XX/23 and gave them my acct number to take it out of only to have them declare XXXX delinquent on my credit reportas a write off. I want to pay the whole thing off when i can, next month, when my Dads estate is settled and I receive inheritance for sale of his house, but its already making black mark on credit report since i agreed to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AL

Complaint narrative:
I am a victim of identity theft. I have been dealing with identity theft for YEARS. The following information is not mine and should be removed off of my credit file immediately. I am also including my photo Identification, police report and fraud report. 

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

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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: KEYCORP
State: PA

Complaint narrative:
XX/XX/2023 Went into a KeyBank location at XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I do not have a checking or savings account with KeyBank, but my work uses this branch and their website states " Non-clients can cash certain types of checks at any of our XXXX branches. Types of checks we can cash. For people without a KeyBank deposit relationship can quickly and securely cash checks drawn on KeyBank accounts, as long as the check is for less than {$5000.00}. '' I have previously cashed checks here without incident. The check I intended to cash was {$2700.00}. I was informed that I can not cash the check since it exceeds {$2500.00}. I informed them what their corporate website says, and that CFPB states on their website " If you are at a bank or credit union where the check is from and you show the identification they require, the bank or XXXX XXXX must cash the check if there is enough money in the account on which the check is written. '' I had previously been required to show two forms of ID ( drivers license and debit card ) to cash the check, and had done so. I asked the employee who I was speaking with if KeyBank corporate website was wrong, or if CFPB was wrong and he wouldn't give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper aka Nationstar Mortgage sold my loan to XXXX but never forwarded my last payment to XXXX causing a default in my mortgage and false negative payment history on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
I leased a XXXX from XX/XX/XXXX to XX/XX/XXXX. I turned it in and completed the payments. 

Starting sometime in XXXX I began receiving dunning e-mails from : XXXXXXXX XXXX XXXX XXXX Text included : Your XXXX XXXX XXXX XXXX Final Payment Is Overdue VIN : XXXX You have an overdue payment of {$4800.00} associated with your XXXX XXXXXXXX XXXX  XXXX Verify your payment details and make payment now. You can review a breakdown of charges in the Previously Owned section of your XXXX Account. 

I move those e-mails to trash automatically. 

Today, however - XX/XX/XXXX, I received a telephone call from " XXXX XXXX '' and " XXXX XXXX '' at ( XXXX ) XXXX XXXX. Both insisted they were collecting my outstanding debt. Both stated that they work for : McCarthy Burgess & Wolff, in XXXX Ohio. They had all my personal information associated with XXXX. 

Because they have now moved from annoying e-mails to potentially harassing phone calls, I humbly request that you get involved as soon as possible to have them cease and desist such phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: OH

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-07-07 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See the documents attached.

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 2023-07-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I retrieved a copy of my credit report from Experian and XXXX Credit Bureaus, and I noticed a credit inquiry that I did not authorize.

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 2023-07-07 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:
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 XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XX/XX/XXXX {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello- For the last month 1/2 I have been trying to move my checking account from XXXX XXXX XXXX by taking advantage of an offer that CITI offered via my AAdvantage Citi credit card log in. The offer appears to be an online offer only but the system repetitively gives me " I am sorry but we are having technical difficulties '' When I try calling CITI customer service they are not able to assist or look into the matter and just dismiss the case. 
My hope is that citi can look into this error and grant the AAdvantage miles offer via the phone since its not working online via the link provided under the offers tab of my credit card log in Thanks for help pushing this to CITI 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 2023-07-07 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

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 2023-07-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX over XXXX XXXX dollars of fraudulent charges were made on my AMEX card. I disputed them. AMEX did not do their due duty to me by making me aware of unusual charges as is their promise on their website. Now my account has been turned over to collections. I have a 35 year history with AMEX. Always paid on time and in full for 35 years. Common sense would tell them that I did not make these charges. In XXXX of XXXX I was notified by XXXX XXXX that my information was stolen from their database through a hack on or about XX/XX/XXXX. AMEX was not interested in seeing this notice and did not want a copy. I have written to the powers that be in HQ about the situation and my only reply by AMEX was via phone saying that they aren't changing their decision. I have repeatedly asked for a written explanation for their decision to hold me accountable and they have refused to provide that. Know that AMEX was not the only entity involved in the theft of my identity. XXXX CC was maxed out, my savings and checking accounts drained, my home equity loan maxed out and a XXXX credit card was opened in my name without my permission with charges made on it. One of my VISA cards was sold to someone locally who went on a spending spree at local mall at a time when I was out of town. ALL companies have made me whole except for AMEX. Reports made to police, FBI, ID theft.gov., all credit Bureaus and FTC . Now I suspect a collections agency will be coming after me even though I have sent the collection agency copies of everything.. This nightmare never ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My partner and I have been Bank of America Clients for a few years and always do ATM CASH deposits into our checking accounts. Today XX/XX/23 we went to their branch on address : XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX to do a new ATM deposit, the time was XXXX ( pictures bellow ), we inserted our cash in total {$3300.00} ( the machine swallowed XXXX {$100.00} dollar bills + XXXX {$20.00} dollar bills ), while counting the money I took a picture and the machine simply went back to the main menu, The money didn't go through. We didn't get any receipt. We talked to the Bank of America stuff, they asked us to open a Claim by Phone XXXX and say the ATM ID - XXXX, and we did. They said we need to wait about two weeks to be investigated, this is ridiculous, we need this funds today. We trusted this ATM machine while the bank is opened, if we knew that this kind of issue could happened we would go to the cashier and have our fund right now. We really need help with this matter because this is the money to pay ours bills which is due today. 
Thank You for helping us in this case, we don't have more funds in hands to be deposited. For sure someone will open that machine today and will figure it out and see our {$3300.00} dollars there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief