vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX and Experian have been reporting two collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.

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 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Hello! On XX/XX/XXXX I opened up a loan with Self Financial Inc of {$1600.00} that specifically stated how I would have roughly 12 months to pay off. I opened this account because it was to build up my credit, they would first have me pay off the loan amount and then send out the payment to me. They then offered me a secured credit card, which I opened up and deposited a portion of the loan I had already given them. This resulted in my new payout amount dropping from {$1600.00} to {$980.00}, again this was due to the fact that I funded the secured credit card with the deposit I had initiated with the money I had already given them. I would have to pay a minimum of {$140.00} a month, however, I finished this loan early on XX/XX/XXXX, and they responded with an email saying how they would send out my loan payment through direct deposit and that its arrival date would be XX/XX/XXXX ; the amount of {$980.00}. I never received the payout on XX/XX/XXXX and I emailed them several times, they asked for a series of documents proving my identity which I sent out. This included my XXXX passport, social security number, Social Security card, bank statements, a picture of my debit card, and more. They said that they were going to close my account if I did not send them the documents and that they would not send out my payment either until I sent them said documents. However even then, they said I would have to send them a state-issued ID and my driver 's license, which I don't have. I have no trouble acquiring a state issued ID at this point, but I decided to do some research and I saw that many many people were dealing with the same issues as I was, even though they sent every form of ID that was asked of them to do so. Their rating on XXXX  was almost a 1 star, I wish I did my research earlier on. I don't believe this is fair because they seem to have no trouble asking me for these before I opened up an account, but somehow they need it for when they're supposed to pay me back now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have a collection charge from XXXX XXXX for insurance that has claimed I owe for a snapshot device. The device I placed in the box that was provided to return this device. I placed the small item in the box they provided and put it in my outgoing residential mailbox for my route carrier from the XXXX to collect and take to the XXXX. The company is claiming I did not return the item and I disputed this collection charge with the credit reporting company and specifically asked to written documentation of the validity of this. I was told that the collection company validated the debt and this is still being reported monthly. There return container did not require me to personally take it to the post office and request a tracking # and did not provide any exceptions to assist XXXX persons like myself with any way to ensure the safe and accurate delivery and I trusted the return address that was pre labeled on original shipment. This item was returned via XXXX using the shipping label and box provided by XXXX XXXX XXXX. I would like to have this collection removed from my credit report and also to stop reporting each month. I am a XXXX XXXX XXXX  XXXX with XXXX XXXX XXXX and with no addition or any directions to insure safe and accurate return of item. I have asked for written documentation of the validity of the debit and credit reporting agencies and collection company do not provide. I am told they did not receive the item in return, I am claiming it was placed in approved prepared package. I Do Not agree with the ability of this debt and process of there word of not receiving it. This could infact have been misdelivered on the receiving XXXX persons shift or mishandled by the XXXX. This is not my fault and I completed within my ability and directions per progressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX : XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XX/XX/XXXX : XXXX XXXX INQUIRY XXXX XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I've disputed this account numerous of time. With the FTC, CFPB, and had an attorney. Navy Federal Credit Union could not confirm anything. Instead they continue to lie about me making payments to keep it ongoing. I provided proof that there were no way to make a payment after they lied to my attorney on me going online to make a payment. They've taken over {$1000.00} out my personal account to furnish the debt that claim I acquired. If over {$2000.00} was taken out my personal account by them for the credit card why is the amount still he same? The original credit card limit was {$5000.00}. and now the balance is over {$9000.00}. Something very fraudulent is going on. I've filed a dispute when it was brought to my attention. I was informed that I didn't have to do anything else. Every time they were asked a question to validate anything pertaining to the credit card. 

The only access there is, is of my current checking and savings 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian updated report with information they recieved from creditor for false balance and reported line of credit over limit. Creditor states balance never over limit, statement not processed at time of bureau update and to follow up with bureau. Bureau continues to state dispute already placed any time I need to make a dispute on this line of credit. Provided bureau photo support of statement showing never over limit.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is showing account for XXXX XXXX XXXX with date opened as XX/XX/20 in the amount of {$560.00}. I did not open this account XX/XX/20. This account was purchased from the original creditor XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Fraud no knowledge of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Fraud no knowledge of the account

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was and currently a Wells Fargo account holder and I was not notified by Wells Fargo bank about the illegal charges or fees that was charged on the accounts in the years from 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 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Vehicle was paid off in XXXX. We have been unable to find title. Went to dmv they said Hyundai finance still showed lean. We contacted Hyundai they told us we could log on and print release letter. This letter and information was not accepted by dmv they requested a notorized letter. We contacted Hyundai finance XXXX. We're informed that they would process release and we should expect in about 14 days. After 21 days or so we called back as we had not received it. We were once again told it would be sent. Few weeks passed and nothing. Third time we called they told us it had been sent to XXXX XXXX We contacted XXXX and they have no info on receiving any letter. They also stated there would be no reason as to why they would receive it as the car was not totaled. We contacted Hyundai finance once again, after speaking to supervisor they were going to " escalate " to next dept. Waited for response with nothing. Contacted them again only for them to just go back to say we need to contact farmers. We again contacted XXXX they say there is no reason they would have it not a way to get it. I have tried for past 3 months to get this resolved with no apparent effort or reasoning by Hyundai finance

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 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
I have a friend who I routinely lend money to, and they quickly pay me back. So When I got a message from them asking to borrow {$200.00} I thought nothing of it. Unfortunately, my friends XXXX account had been compromised. 

In this message, they asked me to send {$200.00} to XXXX XXXX on Venmo. I asked about the different name and they said they were a friend and their accounts were locked up. This seemed fitting with my friend so I didn't consider it was fraudulent. 

It was only after Sending {$200.00} from my Venmo account XXXX XXXX to XXXX XXXX that I was made aware of the Fraud. 

I initially filed a complaint with venmo and they said " Hello XXXX, Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Since that did not work. I filed a complaint with my bank XXXX who is backed by XXXX which is a FDIC insured organization. This is what they said. 

" Hi XXXX, We understand how frustrating transaction errors can be. Unfortunately, we are unable to file a dispute unless a billing or merchant error occurred. Since you initiated the transaction and it was executed accordingly, we are not able to file a dispute claim on your behalf. '' I just need my {$200.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please see the attached documents to understand what had happened.

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 2023-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover Bank refuses to completely delete my collection account after i paid for a deletion. My account was closed on XXXX. Payment date was XXXX. I have called them several times about this. Last call was on XX/XX/23 ; I was told there was nothing i could do about the account being on my credit report.

Company response to consumer: Closed with explanation