vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I applied for a " loan '' or " open line of credit with net credit. like everyone else I was in a severe desperate pinch for money and fast, im newly XXXX XXXX XXXX. and im drowning from trying to keep up with the payments from this company and im not understanding how their repayment process is even allowed in this country. 

XX/XX/2023. 
- applied for {$3100.00} credit advance. 
- charged 10 % " fee '' received only {$2700.00} I have made 10 payments ranging from about $ XXXX {$180.00} and my balance is only at {$2700.00}. 

I made a big mistake working with a company that operates like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I own a Google-branded Android phone and Google Wallet is not working on my phone. I continue to receive error messages that I have brought to the company 's attention when I try to use the necessary service to pay for goods/services with my phone ; and, despite the company saying they have been working to resolve the issue for months they still have not done so. Furthermore, Google Wallet is engaging in monopoly behavior ; google-branded Android phones only allow one digital payments wallet app -Google Wallet. But mine is not working. Therefore, I should be allowed to download an alternative competitor, such as XXXX XXXX XXXX , since Google 's is not working. But, Google does not allow this. As such, my Google Wallet account is not working ; and, because Google engages in monopolistic behavior it actively prevents me from downloading and using a competing service from a competitor such as XXXX XXXX XXXX . If Google 's internal digital payments app is not working, then as a consumer I should be allowed the choice to download a competitor digital payments app that actually does work. Google does not allow this ; this is a textbook definition of monopolistic behavior.

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX I deposited a cashier 's check by mobile deposit that someone sent me through the mail. They placed a hold on the check.Then the account was sent to the fraud department because it was found that the check was not real.I thought the check was real.They placed an exceptions hold on the check.The check was returned which made my account negative. It was posted and cleared.The fraud department blocked the account pending their investigation.I received a letter from the fraud department that my account will be closed.I get that.My complaint is that Truist is holding my money.I can not get my money out because I was told they were still investigating.The check has been returned, it is determined that the account is going to be closed.I get that they want to take precautions and cover every nook and cranny before they release my money.That is my money and I want my money.Truist does not have a right to hold my money.They say quote on quote, until the analyst get done to see what they say.I say they have no right to hold my money.That is my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: SC

Complaint narrative:
CEASE AND DESIST UNAUTHORIZED USE OF TRADEMARK SN : XXXX & XXXX. UNAUTHORIZED USE CONSTITUTES INFRINGEMENT AND WARRANTS COMPENSATION. YOU ARE TO REMOVE THE OWNERS MARK FROM YOUR RECORDS FOR IMPROPER USE OF MARK. YOU ARE HEREBY GIVEN TEN ( 10 ) DAYS TO RESPOND. SEE ATTACHED STATEMENT FOR ARBITRATION.

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 2024-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I was supposed to be in forbearance due to still XXXX XXXX, but I have been taken out of forbearance status and into repayment, I have submitted documentation that I am still in XXXX  and it has yet to be processed and this was over a month ago. The provider is saying I am still liable for the amount due while they do their research.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Tran Date Posted Date Description Clr Check # Withdrawals Deposits Balance Hide Pending Add Transaction XXXX {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX  XXXX XXXX - XXXX  {$2400.00} pymt was only to b XXXX i did not auth the above pymt, thier web site a problem also staying on the phone with them, they tk an unauth pymt, and also XXXX XXXX late chg which needs to be XXXX, the ltr i got XXXX XXXX owe nothing on late chgs was on it, also put in XXXX  XXXX XXXX XXXX it its their problem, they dont or add other veh to XXXX XXXX XXXX wont add the other vechile where it has add other veh

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a business I was operating that was extremely affected by XXXX XXXX. During covid i had an extremely hard time paying my employees and my bills, and I had some late payments that occurred as a direct result of covid. I actually had to end up closing my business down due to the pandemic which has put me in a financial crisis till about a few months ago. 

For capital one, I missed 3 payments. 
XXXX XXXX XXXX and XXXX and in XXXX in XXXX. 

I also had to close this account due to covid. I was affected from early XXXX till late XXXX as I had to shut my business down and get a job and pay off business debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: WV

Complaint narrative:
contacted by XXXX XXXX XXXX XXXXXXXX trying to clam a debt thatis non exciting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: MI

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.

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 2024-04-22 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: MI

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX On XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: 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. 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. 


I have been sending disputes for the account listed in letters but the bureaus haven't gave any response regarding the investigation or the any responded back.

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 2024-04-22 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: MI

Complaint narrative:
Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My mother passed away and left a commercial property to my sisters and I. The funds were a wire transfer. I did get the funds into my Chase bank account ( checking and savings ). We closed the sale on XX/XX/year> and I was informed by the bank that my account was restricted and that they would not pay anything more and that I could not take any money out. On around XX/XX/XXXX I found out that they are planning to close my accounts I have several XXXX XXXX dollars in there, so they closed it on XX/XX/year> said they would send me a cashiers check. I called to see what was going with my funds and they said it was in collections or claims, I Could not and still don't understand. They told me that they could not verify the LLC, my sister is the manager of the property. They finally called her and verified so they said they were going to put in a request to release the funds This morning Monday XX/XX/year> I received a call from Chase and they said it was denied because they couldn't verify the wire transfer. Now I'm really upset that they are doing this to me, my sisters had no problems in their banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/24 I called Experian to have some of my personal information updated. Specifically, Experian credit report listed old address that are no longer valid or relevant. I ask Experian to delete these outdated address information and they refused which is in violation of the Fair Credit Reporting Act. Then they said they can remove old telephone numbers but not old addresses which does not make sense. I told them they were being selective and arbitrary and in violation of the FCRA.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX XXXX XXXX continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-22 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: IN

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 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: MI

Complaint narrative:
THIS complaint against Experian regarding their failure to conduct a reasonable investigation into a dispute on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA )., Experian falsely claimed that my dispute was a duplicate and subsequently failed to initiate a reinvestigation. It is important to note that this assertion by Experian is entirely inaccurate, as the dispute in question was distinct from any previous disputes I have filed. Experian 's failure to conduct a proper reinvestigation not only violates the FCRA but also perpetuates inaccuracies on my credit report, which can have serious consequences for my financial well-being. As a consumer, I am deeply concerned about Experian 's lack of compliance with federal regulations and their disregard for the accuracy of consumers ' credit reports. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian fulfills its obligations under the FCRA. Furthermore, I urge the Consumer Financial Protection Bureau to hold Experian accountable for any violations and to take measures to prevent similar incidents from occurring in the future. 

It is imperative that consumers can trust that credit bureaus will handle their disputes with diligence and accuracy. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address my concerns and uphold consumer 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 explanation