vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: AZ

Complaint narrative:
This company misleads consumers. They don't disclose what the actual terms are until AFTER they obtain your confidential details, including social security, open a profile by default that I can't delete. They only allow you to close a subscription account but are retianing my confidential data. I would never have provided them my confidential information had they disclosed to me that they were strictly a department store credit card and there were subscription fees. Again, they disclose this card is NOT a line of credit AFTER retaining my confidential details. They claim to offer other benefits to improve credit scores, such as opening a savings account. And finally, after studying the reviews on the XXXX XXXX XXXX, it's apparent that there are many fake XXXX star reviews. Please note, that the XXXX star reviews are from consumers that have been scammed by this company and provide specific recurring reasons. 

Company Name : Kikoff Website : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I noticed a collection on my credit report and called the company listed to see what it was in reference to. It was for a XXXX account of which I never created. At the time I had a XXXX account which was in good standing and never opened the account that they now have in collections. I spoke with an agent and she saw that the account was opened in another state to another address that is not affiliated with me. I went on transition to dispute it and they have not removed it stating the information was verified. It can not be verified because the address on the account is not and has never been affiliated to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
wallet was stolen that had my id and ssn card along with bank cards. my life was altered when they began to use what they could. THERES ALOT OF INQUIRES I DIDNT GIVE PERMISSION TO DO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Dear Discover Bank, Savings Account Ending in XXXX : I am reaching out because I am at a loss of {$20000.00}. In XXXX XXXX XXXX I had Discover bank initiate a wire recall in the amount of {$22000.00}. It is to my understanding that XXXX bank handles the wire processing and wire recalls. On XX/XX/2023, XXXX XXXX contacted me and stated that the recall was successful and on their end, {$20000.00} was debited from their account with the description " XXXX XXXX XXXX XXXX ''. 

XXXXXXXX XXXX told me that I need to reach out to XXXXXXXX XXXX and Discover bank directly to retrieve my funds. Since XX/XX/2023, Discover and XXXXXXXX XXXX have both not reached out to me to release my funds. If XXXXXXXX XXXX  would've never told me that my funds were returned to Discover, I would never know that this money is being held from me, unlawfully. 

On XX/XX/2023, I reached out to XXXXXXXX XXXX and expressed to them that XXXX bank stated that XXXX XXXX  recalled {$20000.00} and XXXXXXXX XXXX emailed me back stating that they will not speak to me as I am not a client and that I need to have Discover send XXXXXXXX XXXX an authenticated message so they can release my funds. I then called Discover bank and told them this information. After being transferred multiple times over the course of XXXX days without getting any answer, Discover bank refuses to send XXXXXXXX XXXX an authenticated message regarding this wire recall so that XXXXXXXX XXXX can return the funds to Discover bank, which at that point, Discover bank would then return the funds to me. 

Please be advised that it is XX/XX/2023 and I still do not have this money. The money was supposed to be sent back to Discover bank from XXXXXXXX XXXX or a check was supposed to be sent to me and neither has happened. 

I am taking this matter extremely serious, I have partnered up with an attorney, and I am very close to bringing this matter to XXXX XXXX and filing a lawsuit. I need someone in upper management at Discover bank to reach back out to me extremely soon before I start court proceedings. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: NC

Complaint narrative:
Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
My account on Robinhood was restricted with no response. And it doesnt fall under any of the reasons that would cause them to restrict my account. I have lost several days of my trading opportunity and I also needed to withdraw my cash for financial reasons and can not do so either. One lady who i talked to named XXXX said she would provide info regarding the issue via email but never got a reply from them. They have simply restricted my Robinhood brokerage account with no cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear APPLE CARD/GS BANK USA Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : APPLE CARD/GS BANK USA Account XXXX : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear XXXXXXXX XXXX XXXX XXXX  XXXX XXXX has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXXXXXX XXXX XXXX Account Balance : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of my Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process from all credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TN

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 2023-11-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: MI

Complaint narrative:
It appears that XXXX XXXX has not only harmed my credit score but also initiated unauthorized payments, resulting in double charges for XXXX. They ceased reporting to Equifax between XX/XX/2023, and XX/XX/2023, while receiving two payments in XXXX, one of which was unauthorized despite them already receiving a payment. They received a payment on XX/XX/2023 for {$8.00}, then attempted to charge my card again on XX/XX/2023 without my consent, which raises concerns about their billing practices. 

This information surfaced after observing a negative impact on my credit score with Equifax, prompting me to investigate further. Despite my consistent payments, XXXX XXXX, a company purportedly assisting in credit building, appears to be engaging in fraudulent behavior, breaching consumer rights, double-charging, and causing a significant credit score drop of XXXX points. I intend to pursue arbitration, possessing evidence of all payments made, and will seek legal recourse. 

Moreover, I paid for an upgrade, which XXXX XXXX failed to apply to my account. This discrepancy in services rendered became evident when my credit score experienced a drastic decline. I paid for the upgrade on XX/XX/2023, while they ceased reporting to Equifax between XX/XX/XXXX and XX/XX/2023, despite receiving a payment on XX/XX/2023. 

Additionally, there was no communication, as legally required, from either Equifax or XXXX XXXX informing me of their cessation of reporting or refusal to accept payments. Considering the two payments made in XXXX, they should have been allocated to XXXX. I will hold this company accountable, seeking restitution for their unauthorized charges, failure to provide services paid for, and their detrimental impact on my credit score, as mandated by consumer protection laws. 


Below Ive attached all documented proof of all charges and I will push charges to the extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: IN

Complaint narrative:
Yes I received an installment loan in the mail for XXXX once I cash the check I was to repay back XXXX I made my payment on time for 5 months which took my balance down to XXXX. My payment are XXXX now they are charging more interest on this payment an harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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:
XXXX XXXX has made an inquiry to my consumer report that Im not liable for. I did not make this inquiry please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: AZ

Complaint narrative:
XXXX XXXX violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. Amount was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer report.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: AZ

Complaint narrative:
XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. Amount was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer 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 2023-11-25 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

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