vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
On XX/XX/2023, Stellantis Financial Services XXXX received a negotiable instrument in the form of a cashier 's check in the amount of {$80000.00} from XXXX XXXX, with the stated purpose of settling and discharging the associated account. Stellantis Financial Services credited the account with the aforementioned negotiable instrument, resulting in the closure of the account for a period of XXXX days. However, on the fourth day, XX/XX/2023, the account was inexplicably reopened, and the negotiable instrument was subsequently reversed, as per Stellantis Financial Services XXXX. This reversal indicated a failure to honor the negotiable instrument, effectively reinstating a fictitious loan amount, as per the provisions of UCC 3-604 ( Notice of Dishonor ) ( b ).

Per UCC 3-604 ( Notice of Dishonor ), if a tender of payment is made for an obligation related to an instrument and is refused by the entity entitled to enforce the instrument, a discharge of the obligation, to the extent of the tendered amount, occurs for any indorser or accommodation party with a right of recourse pertaining to the said obligation. This discharge was anticipated due to the dishonor of the instrument. However, Stellantis Financial Services US failed to provide any notice of correction concerning the instrument, thereby violating my consumer rights through deceptive practices and unjust enrichment.

In accordance with Title 15, Section 45 ( a ) ( 1 ) of the United States Code ( 15 USC 45 ( a ) ( 1 ) ), which empowers the CFPB to prevent unfair or deceptive acts or practices in or affecting commerce, I wish to draw attention to the company 's apparent violation of this provision. Stellantis Financial Services ' actions constitute an unfair and deceptive trade practice. I urge the CFPB to investigate this matter expeditiously and take the necessary measures to address these violations.

Furthermore, I have previously requested the company 's XXXX XXXX XXXX, which they failed to provide. This failure to comply with the request raises concerns of potential insurance fraud on the part of Stellantis Financial Services US. 

I eagerly anticipate a prompt response from the CFPB and sincerely appreciate your attention to making this claim a priority. Thank you in advance for your consideration and assistance in 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 explanation
Consumer complaint received 2023-10-23 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: WV

Complaint narrative:
I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a student they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
A payment of {$110.00} was made on XX/XX/2023 to seventh avenue credit. We called the next day to see if it went through. Seventh avenue said it had not so we made a payment of {$110.00} on XX/XX/2023. Both payments were deducted from our bank account on XX/XX/2023. Seventh avenue wanted proof so we went to the bank and got a printout from the bank stating when the payments were taken out and the transaction numbers. We mailed this to seventh avenue. After waiting a month we called them again. First they said they never received the information then said they wanted a copy of our whole bank statement. We are very uneasy giving any credit card company our entire bank statement. They have a statement from our bank showing those payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I have a charge off account with Mariner Finance That's has been paid and settled. This is still showing up as a charge off on my credit. Can you please remove this from my credit. I have received a 1099C.

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent XXXX XXXX  through Paypal to a person providing training services for a workshop I will attend in XXXX. 

To my surprise the person on the other end was charged XXXX XXXX  in fees. Apart from the embarrassment of not knowing I was sending a smaller amount, now I need to send the remainder of the total payment. 

I contacted Paypal because, at no time while I was processing the payment to be sent, did Paypal disclose the fee to be charged. 

Paypal says that the information about fees is on their webpage. I responded that that is not very transparent on their part, BUT, more importantly, that at a minimum such fee should have been disclosed on the receipt I received from Paypal after the payment was sent. In fact, the after the fact receipt ( attached ) is misleading where it says that the amount I sent WILL BE RECEIVED by the person on the other end. Obviously this can not be true if Paypal will deduct a fee. 

It is obvious to me that Paypal is doing the most they can to hide the fees they receive. Had I known about that fee, even if after the fact, I would have had the chance to contact the person on the other end to know. Also, knowing in advance would have allowed me to submit a higher payment to cover the fees. 

Paypal needs to disclose they fees that they will charge on the other en XXXX the transaction. This is not a surprise for them. It should not be a surprise to the customer planning to send a payment either. 

After talking to an agent and then a supervisor, the answer from Paypal boiled down to some statement along the lines of " too bad. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 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: NV

Complaint narrative:
I have not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : 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 explanation
Consumer complaint received 2023-10-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : 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 explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
This complaint is related to XXXX. I am leaving my bank - US Bank - after the most horrific financial experience I have ever heard of in consumer banking. That experience is described in more detail in the aforementioned complaint. I have begun closing all of my accounts including credit card, brokerage account, and CDs. The final closure of my checking account is scheduled to take place in-person in XXXX at my local branch. However, one final CD ending in XXXX for {$3200.00} is not being deposited into my checking account and it has been a month since I called on the phone to redeem it. I emailed the branch managers and the person in the bank 's Office of the President ( I have their contact info from my previous, related, complaint ). I also called on the phone and spoke to a customer service representative in Wealth Management. No one can provide me any information about my funds, except to say that they have a record that I called to redeem it on XX/XX/XXXX and that the redemption was submitted but was lost in processing. They sounded very confused and explained that it may have been " lost ''. As suspected, US Bank is holding onto my core deposits for their financial gain, at my loss. This is a financial crime and they are well aware of their practice and the impact it has- they just don't care because they believe they can get away with it.

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 2023-10-22 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: MO

Complaint narrative:
There are inaccurate names, addresses, and inquires not authorized by me. Please block and delete this inaccurate information. FCRA states that the information on my credit report is supposed to be 100 % maximumly accurate. 
Inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My accurate name and address are 'XXXX XXXX XXXX no other name, but XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that it is reporting my experience with this company.

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 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my ( Experian, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

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 2023-10-22 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: NV

Complaint narrative:
I have not given my consent to publish my personal information and I am unaware of all these inquiries that are affecting my credit report and I have reported to all the agencies that are reporting these inquiries that are fraudulent and have not done anything to remove them and it is damaging my credit and these are the names of the companies : 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 2023-10-22 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: Chime Financial Inc
State: IL

Complaint narrative:
I started randomly getting emails from chime but I dont have a chime account. The company has ignored me when I tried reaching out to find out why Im getting emails. Now I got an email that I apparently sent someone money I dont know. I think chime illegally opened an account with my email and they refuse to close to.

Ive just be ignoring and deleting the emails but now Im concerned.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : 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 2023-10-22 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: PA

Complaint narrative:
I am sending this letter to you in response to a collection notice I received from you on ( date letter received ). A copy is attached to this letter. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX

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