vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX an email was received that Self Credit Builder Account was going to be closed without providing any reasons. Furthermore, I as the consumer have already invested {$2200.00} into a " Credit Builder account '' with a {$300.00} deposit for a " Self-Credit Card '' with a {$2000.00} limit. 
On XX/XX/year> I had lost my wallet and reported the card as lost to Self-Credit Builder both by email and phone call. I had to send bank statements verifying my identity and copies of my driver 's license that was now lost, fortunately I had already scanned copies of the driver 's license. 
On a subsequent phone call, the representative assured me that they are sending a new replacement " Self Credit Card ''. 
Now on a XXXX XXXX XXXX XXXX they are closing my account? Only providing a window of time to respond of less than 3 hours? 
Now, on XX/XX/year> I contacted Self Credit Builder on the phone and I am informed that the account was closed without providing the reasons. I did receive a email asking if I wanted to keep the account open so, I responded. It appears that they already have began closing the account without my authorization. 
Now, this company is refusing to refund me {$2200.00} in a timely manner. 
THIS COMPANY IS A SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
Hello, I'm reaching out after a month of fighting with Current. On XX/XX/XXXX, I had XXXX fraudulent charges of {$150.00} each come out of my account, equaling {$900.00}. The notification that alerted me to these charges was the one about having 'insufficient funds ' to have a XXXX charge of the same amount come out. These charges came out XXXX hours away from my home while I was at work. After explaining all of this, Current still denied my disputes, telling me that I had authorized the charges. 

When I noticed that the charges had happened, I had immediately called Current support ( on my lunch break ) in which the person who helped me canceled the virtual card that had been used and reissued me another one. Fearing the same thing would happen, I didn't set up the PIN. The app had said 'to start using this card reset your PIN '. A week later, another charge came off of the new virtual card that I still had yet to set up, making me think someone within the company is behind the fraudulent charges. 

I called XXXX weeks ago after multiple ignored emails to Current 's dispute team with my physical evidence showing that I was at work at the time of the charges as well as requesting the reasons behind my disputes were found to be fake, I called the police in the town the fraudulent charges happened. They took my statement, but I haven't heard anything from them either. 

After several phone calls and ignored emails, all I'm being told is that I have to wait 45 days ( from XX/XX/XXXX ) while they re-investigate my claims. Considering they didn't actually do any investigation in the first place as well as my suspicions that they are the ones committing the fraud, I am seeking legal counsel on the matter. 

This happened a few years ago with my XXXX account and within XXXX minutes I had the disputes in, my card canceled and a new card in the mail. A week later my money was refunded. I know they can do it, but Current seems to be acting suspicious. 

This entire ordeal has caused me a lot of financial strain as well as stress in an already stressful time in my life. I'm seeking counsel to figure out where to go from here. I believe that in 45 days they will simply say the same " you authorized the transactions '' and keep my money. I can not afford to lose {$950.00}. 

Any advice or help would be greatly appreciated. Thank you for taking the time to read this, have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE 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 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Out of the blue, on a day when i hadnt used my Venmo account ( XXXX XXXX XXXX in a few days, I received an email that my account was restricted on XX/XX/XXXX. Upon inquiring with the business, they then sent me various articles automatically like this would help the issue. I escalated a claim and received a case manager named XXXX XXXX on XX/XX/XXXX. He specifically asked me to upload a copy of my drivers license. At this point zero explanation has yet to be given to me as to why they arbitrarily disabled my account. 

After I uploaded the documentation - the same man " XXXX XXXX. '' said that wasnt good enough ( after clearly asking for just the id ) he now wanted me to send a picture of me holding it .... I have worked in XXXX for XXXX years ... this isnt a thing, if it has become a thing it is massively risky to the company holding this information in the event of a data leak as this could be used to steal my identity in totality. When I pushed back and asked questions I was basically told to do it or dont use venmo. Again, no explanation as to why this is happening. But during this time, {$160.00} balance was unaccessible to be withdrawn or sent. This is a direct violation of various banking regulations such as the Expedited funds availability act, or 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). If they are going to act like a bank they need to be held to the same standards. 

As of writing this XXXX MONTHS later, my account is still suspended. I uploaded the proper documentation and am talking to a lawyer about sueing PAYPAL, parent company of Venmo for disparate treatment and the copious bank regulatory violations they have committed during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
XXXX attempted to repossess our vehicle when we returned the vehicle when it was due. We were pressured to sign to a voluntary repossession agreement when the car was returned per the contract date. This pressure came in the form of voicemails and phone calls and in office pressure by sales rep. This completely wrong and the car should have been received and balance due not a repossession. To remedy this issue I need : Voluntary repossession removed from my credit file immediately from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-03 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XX/XX/year> Account Name : XXXX XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX - XX/XX/year> Account Name XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX - XX/XX/year> Account Name : XXXX XX/XX/year> Account Name : XXXX XXXX XXXX - XX/XX/year> Account Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I am writing to dispute a debt that is being reported by Transworld Systems Inc. under account number XXXX. This debt is being incorrectly assigned to me, and I am requesting its immediate removal from my credit report. 

Here are the details of my situation : Insurance Coverage at the Time of Service : At the time of the XXXX XXXX in question, I had valid health insurance that should have covered these expenses. I have confirmed with my insurance provider that they received and processed claims for these services. 
No Outstanding Balance : According to my insurance records, there should be no outstanding balance for these XXXX XXXX. The debt reported by Transworld Systems Inc. does not belong to me and is a result of an error either in billing or insurance processing. 
Request for Validation : I have previously requested validation of this debt from Transworld Systems Inc., but have not received satisfactory evidence that this debt is mine or that it is owed. 
Given these circumstances, I am requesting the following : Immediate Removal of the Debt : Please remove this erroneous debt from my credit report as it is not valid. 
If there is any documentation that proves this debt is mine, I request that you provide it. Otherwise, this collection needs to be removed to reflect accurately on my credit report. 
I appreciate your attention to this matter and look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CT

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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  has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Good afternoon, I submitted a claim with Navy Federal regarding a fraudulent charge from a Company called XXXX. I believe my claim should be honored due to the fact that I have never authorized any charges made within the claim from the merchant in the amount of {$1600.00} dating all the way back to XX/XX/year>. Ive reached out to my bank ( Navy Federal ) and I tried to reach out to the Merchant as well, in order to speak with the merchant its stated a account must be created which I will not created because I dont not trust them with any of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld system INC start a reporting a collection on my credit report & reported that I open an account XX/XX/XXXX, and I owe a balance of {$790.00}. 

On XX/XX/XXXX. I wrote a letter to that company asking them to please validate this debt as I never did business with this company and don't have any unpaid accounts as of XX/XX/XXXX. 

The company failed to reply to my inquiry within the 30 days timeframe. I then wrote a second letter on XX/XX/XXXX, showing proof of my previous letter and ask them to please show proof that this debt belongs to me under the fair debt collection practice. I have a right to request validation of a debt that a company is saying I owe. The company still Failed to respond to my letter and validate my debt. I reached out to the credit bureau asking for their help, and they also failed to do the due diligence and just stated that the debt was validated with no proof. I even submitted proof that I did in fact, wrote XXXX letters to Transworld. 

With growing frustration and my need to get this negative inquiry off my credit report, I reached out to Transworld and ask them to validate the debt. They said that they can not validate the debt and that I owed debt. I asked them well since I don't debt, I'm willing to pay {$350.00} settlement on a debt that I don't owe. On XXXX the rep I spoke with agreed. On XX/XX/XXXX I sent a money order to this company and then as of XX/XX/XXXX they return the money order saying that it was a miscommunication and they still don't have to validate the debt And I owe {$750.00}. This company it's very deceiving unethical you can never speak to the supervisor most of their representative do not have a clear understanding of what's going on because the service is outsourced. 

I have yet to receive proof that I owed is debt and although I try to clear it off because it is ruined my perfect credit rating and is delaying the process of me closing on my first home. 

Why is this company allowed to illegally report and try to collect on the debt and also be deceiving in the process. This info is incorrect and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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