vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 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: NY

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : Transunion XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX {$250.00} XXXX XXXX  - NOT valid - Never had XXXX XXXX XXXX {$1100.00} - XXXX XXXXXXXX XXXX - NOT valid - Never had XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX- NOT valid - Never had XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX - NOT valid - Never had XXXX XXXX - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX  NOT valid - Never had XXXX XXXX XXXX XXXX - {$82000.00} NOT valid - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center

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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX account opened on XXXX XXXX from XXXX XXXX XXXX with original creditor XXXX XXXX. I disputed it with transunion discussing I never opened a XXXX and has been with XXXX XXXX XXXX  for 10 years now. I have never missed payment with XXXX XXXX XXXX and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my student loans and credit card payments and to have a debt that is mine is heart breaking.

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 2023-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
There was an apartment I applied for called XXXX XXXX on XX/XX/2023. I paid my application fee and my move in date would have been within that same week. I never heard back from the company. I called a few times but no one ever answered the phone. When I finally got a break from my work schedule I stopped by there was someone in the office but they just sat there. No one came to open the door. So I left a XXXX review. A property manager responded. She said I was denied because they couldnt collect the application fee but I have proof it was take from my account. So as I was looking through my spam folder I see a email from National Credit Management. So a PDF read that I owed fees for an apartment that I dont leave at and never signed a lease and the reason for denial was fraudulent information which is complete defamation of my character and false. The information they submitted to National Credit Management contradicts the email correspondence. They are trying to collect a fraudulent debt. The management is upset about the honest review I made on XXXX. The email management sent said I was denied because of my application fee or NSF. I will be seeking legal action. They made a invoice with a fraudulent reason to try and justify the amount they are trying to collect. But XXXXXXXX apartment manager lied. I told them I was not interested in living there do to there lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have an automatic payment option enabled to my account ending in XXXX. I have always have the auto pay in place and they charge me {$38.00} in fees on XX/XX/2023 and claimed my account is passed due, when it wasnt, I scheduled a manual payment for {$38.00} dollars because I was mislead and lied to. Additionally I was charged another {$29.00} in fees for a return payment when in fact I have auto pay in place. While their supervisor lied and claimed my account number is wrong that is why a fee was charged they have initiated an amount of {$160.00} from the same account she claimed it was a wrong account number. Credit card and banks are raping consumers in outrageous and ridiculous fees like a wild fire. I am tired on being charged unreasonable fees or fees that I did not caused to be added to my account. What are you going to do about it, why is credit card companies allowed to charge XXXX XXXX  in interest but I am not receiving the same XXXX XXXX  in interest on my money sitting at the bank. How much longer you going to allow financial institution to XXXX consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Like I said I my last report I ended up paying XXXX different scammers using cash app because was trying to buy a particular vehicle that was being advertised on the XXXX platform. When I realized that I had been scammed I reported the individuals and reported their accounts and all cash told me was the transactions has been completed and its nothing they could do. Im reporting Cash app for the second time because they denied my request and they trying to get out of refunding my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe XXXX {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. XXXX and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE INQUIRY 'S DO NOT BELONG TO ME.

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 2023-11-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRY 'S DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to bring a serious matter to your attention concerning the unfair and deceptive practices of AidVantage in relation to my student loans. 

I am currently enrolled in a full-time graduate program, and as per the regulations, I should be exempt from student loan payments during this period. However, AidVantage has continued to charge me, causing significant financial strain and stress. 

Attempts to contact AidVantage have proven futile, as their customer service is virtually unreachable. This lack of communication impedes my ability to resolve the issue and obtain the necessary information regarding my account. 

Furthermore, it appears that AidVantage is engaging in coercive practices by ignoring legitimate requests for assistance. Such conduct raises serious concerns about their commitment to ethical and transparent lending practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly to ensure that AidVantage rectifies their practices and adheres to all relevant laws and regulations. Additionally, I urge the Bureau to implement measures that hold AidVantage accountable for their actions and protect the rights of students and borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Been having same issue with my macys credit card and it's been on my report, I have called macys and explained I was in military bootcamp at the time where I didn't have access to my phone or internet and I did autopay with my bank then but didn't go through for some weird reasons, I have never been late with my payment and I need this erase of my report.thanks.

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 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These inquiries are fraudulent : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 2023-11-19 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: CO

Complaint narrative:
To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, EXPERIAN XXXX XXXX that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ).

This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. 

I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, EXPERIAN XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, EXPERIAN XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. 

Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). 

Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.

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 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tesla, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX  I contracted to purchase a Tesla XXXX  XXXX via the Tesla purchasing process. There is no personal interaction, and communication is entirely by text, e-mail and phone app. I specified at the sales contract signing that I had arranged financing outside Tesla and would deliver payment prior or at time of delivery. Without my signature, authorization or knowledge, at the time I notified the 'app ' that payment would not be through Tesla financing, on XX/XX/, Tesla immediately drafted {$58000.00} on XX/XX/XXXX  from my checking account. Tesla previously had authorized access to that account for lease payments on a vehicle previously leased by me from Tesla. I had, however, at no time approved or authorized Tesla to draw the full purchase price of the new vehicle from my account, and Tesla did not request that approval to draft my account. 

I resolved the matter by transferring the purchase amount from my outside lender, and my only loss was the 'stop payment ' and 'block payments ' charge my bank charged me to block Tesla from doing this. 

Please investigate the processes at Tesla finance that enable the company to engage in this seemingly unlawful activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: GA

Complaint narrative:
Repurchase agreement was initiated on XX/XX/23 by XXXX XXXX XXXX Due to lemon vehicle. The vehicle has been located at XXXX XXXX in XXXX GA since XXXX. The vehicle does not start nor did XXXX have the part to repair the vehicle. The Repurchase agreement was started by XXXX due to no fault of the consumer. XXXX has continued to prolong the process and has filed false claims on credit bureaus and in letters addressed to myself. That they were not aware of the repurchase agreement. XXXX XXXX have been in correspondence with the Repurchase department through the entire process and were aware of the agreement. Repurchase agreement papers were signed on XX/XX/23, yet, I was told that documents were not received until XX/XX/23 to XXXX XXXX. The Repurchase Payoff is in process. You can verify with the Georgia Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TN

Complaint narrative:
XXXX XXXX I received confirmation from Lexis Nexis that they removed address from my credit report based on my dispute during that time frame. On XXXX I received an updated credit report and much to my surprise they have reinserted the addresses they said they removed and add others. The report number of the most recent report with the reinserted information is Consumer Number XXXX and Case Number : XXXX. I have enclosed a copy of the dispute results that shows they removed addresses. The new addresses added that need to be removed are as follows : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX As well as I'm requesting that they remove all phone numbers and emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 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 XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: NY

Complaint narrative:
On the XXXX of XXXX i did a bill pay for XXXX went to check my account that morning on the XXXX and noticed a fraudulent deduction from my account for XXXX called key bank immediately to advise them of this fraudulent deduction and they stated they had to investigate it. I did put in the dispute and requested the money be refunded immediately. Then i proceed to transfer more money in fear my bill pays of XXXX would not be satisfied even though there was over XXXX in the account. Got home from work and went online again and another company by the name of XXXXXXXX XXXX pulled XXXX from my account fraudulently. I called Key Bank again and reported this and to this day none of the money has been refunded to my account even though both those transactions were in a pending status when I called, and I attempted to report the fraud and stop it. Key Bank takes the XXXX from my overall balance and then places it in a hold status instead of paying the bill even though they pulled the money directly from my overall balance they are now claiming they are returning the XXXX to me. When I questioned them as to why even though the money was already pulled from my over balance including both those fraud amounts leaving me with XXXX in my account, they are saying they are returning it to me because they are claiming there was not enough money in the account ; This is false. They're practices are deceitful and false. They hole no interest whatsoever in protecting the consumer instead they manipulate the consumer money for their own benefit as well as the false parties taking money from the account. Another example would be 3 months ago when I called Key Bank and explained that various XXXX cable subscriptions were pulling money from my account even though I didn't have the stations. I kept telling Key bank that I didn't have the subscriptions and I can prove it by taking a picture of my TV screen to show that I did not have the stations. XXXX said they needed to investigate and charged my account regardless. They did not work in my favor they paid out to various cables subscriptions with my money for stations that i did not have. I have spoken with several supervisors and the dispute department regarding this. I have had to cut up my debit cards with Key Bank 8 times. Its ridiculous. and now once again they are saying they need to investigate the 2 fraudulent=ent amounts I want my money back. I am sick of this.

Company response to consumer: Closed with monetary relief