vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am filing this complaint because Transunion is reporting an incorrect status, the account that appears in my credit must be deleted immediately, since this information is not correct. It is an account that according to XXXX XXXX  agreement would be removed from my credit. I attached evidence and according to the law it must be removed in a period of no more than 30 days. Thank you very much and I hope that the company fixes this serious error as soon as possible.

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 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
During XXXX of XXXX  I opened a Chequing account with the US arm of TD ( Toronto Dominion ) Bank as an expatriated citizen living in XXXX. The primary purpose of this account was to facilitate any transactions I had to do in US dollars ( seeing as there are significant holds and fees in cashing US XXXX  and performing currency conversions ). At the time I had 3 XXXX  from the US Department of the Treasury related to COVID-19 payments ( a.k.a Economic Impact Payments ). I intended the cashing of these to be the first transactions on the account. 

As part of this process I submitted all of my personal information of my status as a citizen including federally issued documents from when I lived in the US. As a part of their account opening process they do seem to allow XXXX addresses.The account was opened after some verification process was attempted over the phone in the ensuing month. 

Immediately after the account was accessible I attempted to setup Online Banking. After gaining access on their mobile phone and browser based applications I attempted to cash one of the 3 XXXX  ( I believe it was for XXXX USD on XX/XX/2023 ) ; and it seemed to go though and be put on hold. A few hours later I attempted to re-sign in to the account only to receive errors that I was not allowed to sign in and had to contact them over the phone. After multiple discussions with their support people I had learned that my account had been flagged by one of their departments for fraud or suspicious activity, and that they were no longer allowed to keep providing me service. ( or rather that it was frozen ) However, in the ensuing months I seem to keep getting notices in my email about account activity ( including that monthly statements were generated as well as the hold status of the XXXX  ). I've also received paper mail as if I were a normal customer with access to their account. 

Frankly I don't have much desire to do any further business with them ( they don't seem to have any\many reliable processes on dealing with expatriated Americans, even though they offer products that advertise for that purpose ). However they do still have one of the three federal COVID-19 payments. Which as a tax paying citizen I would appreciate getting it back ( I think it's fair to say XXXX dollars is not an insignificant sum to most people ). 

Unfortunately I only learned of the CFPB recently, otherwise I would have submitted this much earlier back in XXXX  with many more specific dates. Any assistance you may be able to provide would be much appreciated. I've gathered as many details as I still have including account information, paper statements ( of which I have at least one ), Paper notices of the hold, and my debit card and will provide them freely to any and all parties upon request.

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

Complaint narrative:
I got an alert stating my credit score went down XXXX because I applied for new credit cards in XXXX and again in XXXX. I did not apply for any credit cards in XXXX or XXXX of XXXX. I also had a fraud alert put on my accounts because in XX/XX/XXXX I was robbed- all of my personal IDs and passport and phone were stolen while in XXXX. I had a fraud alert put on everything.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
Saying I owe a debt I know nothing about. Tried to debit amounts from my bank accounts without my consent. Threatening to sue. Very rude and threatening

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX violated my rights. 

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

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 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have no knowledge of this account and never agreed to be on this credit account. I have requested information that proves otherwise. I am requesting this debt be removed from my credit report as I never agreed to 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 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : 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 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC

Complaint narrative:
In XXXX  I applied for this loan based on my needs not understanding it was predatory and illegal. I tried to pay it off but just couldn't because of the high interest rates. Finding the true lender rule was overturned. That would make this loan illegal in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
It has come to my attention that OPP LOANS are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

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

Complaint narrative:
I got an alert stating my credit score went down XXXX because I applied for new credit cards in XXXX and again in XXXX. I did not apply for any credit cards in XXXX or XXXX of XXXX. I also had a fraud alert put on my accounts because in XX/XX/XXXX I was robbed- all of my personal IDs and passport and phone were stolen while in XXXX. I had a fraud alert put on everything.

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

Complaint narrative:
I got an alert stating my credit score went down XXXX because I applied for new credit cards in XXXX and again in XXXX. I did not apply for any credit cards in XXXX or XXXX of XXXX. I also had a fraud alert put on my accounts because in XX/XX/XXXX I was robbed- all of my personal IDs and passport and phone were stolen while in XXXX. I had a fraud alert put on everything.

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 2024-03-03 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail FCRA as a federally protected consumer I am opting out of any and all authorizations, of sharing my personal information with any third party entity ( 16 CFR 313.7 ) - 16 CFR 433.2-433.3 Requesting to opt out any and all authorization. 15 USC 6802 ( b ). Opt Out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year> there was a credit line purchase of XXXX $ That I have no knowledge of. Jefferson Capital System XXXX XXXX allowed this fraudulent transaction to take place at there company with out my knowledge this purchase has impacted my score very bad. I will like the the company to take full accountability for allowing this for happening.

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

Complaint narrative:
Global lending services is reporting to my TransUnion report that is inaccurate. This is not reporting to my XXXX, which would be in violation of my rights as a consumer to have an accurate credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: IN

Complaint narrative:
My Venmo account was frozen and they will not let me access my money they have froze my account that Ive had for years and arent letting me withdraw my money of {$1000.00} I really need to pay bills and stuff. 
I dont mind if I cant use the account anyone I just want to withdraw my money. They are saying they wont give me my money until 180 days no way I can wait that long. This is totally not fair Ive did nothing wrong they wont say why they froze it. 

It happened when I tried to withdraw that amount to my bank. Which Ive done plenty of times no problem and now they suspended my account. They asked me to verify my identity and I did. Sent my drivers license they asked for and they still wont give me my money. 
I need to pay rent and other life expenses please!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has come to my attention that XXXX XXXX  are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

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 2024-03-03 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: IL

Complaint narrative:
It has come to my attention that XXXX XXXX  are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/2024 my USAA credit card was stolen and had two unauthorized transactions. Both transactions were {$200.00} each, totalling to XXXX. When I found out my card was stolen I called USAA to cancel my card and dispute these two unauthorized charges. On XXXX XX/XX/2024 USAA said these charges were not fraudulent and I am liable for these unauthorized transactions. Please I need someone to help me with this because I am being treated unfairly in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: YSA ARM LLC DBA Oxygen XL
State: VA

Complaint narrative:
XXXX HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO DELETE.

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

Complaint narrative:
I have these unauthorized inquiries on my Equifax and XXXX reports and I have no knowledge as to how they appeared on my report and I consider them fraudulent. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX violated my rights. 

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

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 2024-03-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I tried to open a chase bank account and its staying one is already opened under my name and information. Ive never opened or have consent for one to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Anchor Financial, Inc.
State: NY

Complaint narrative:
I am unable to withdraw my money from XXXX XXXX XXXX  and its not letting me. App hangs. Reached out to support on XXXX and XXXX. Not heard anything back.

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

Complaint narrative:
I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO DELETE.

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 2024-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
My loans are supposed to been discharge and the debt is not supposed to be om my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Received a loan in XXXX  because of need not knowing it was predatory. In the state of Florida predatory loans are illegal.

Company response to consumer: Closed with explanation