vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have sent XXXX transfer from XXXX Credit card on XX/XX/2023 to be send to my account at Citi. Check # XXXX amount {$12000.00} XXXX to Citi The check was cashed by Citi bank on the XX/XX/2023 as proof was given to me by XXXX. 
I have try asking for Citi to apply the payment to my account since the check was send with mistype account number it went nowhere. 
I ask Citi to send the check back so we can send it with correct information, but they said they are not able to do that or help and asking XXXX to talk to them. 
When XXXX called they asked to have member on the call too. 
Basically, they have the money and not sending back to XXXX or myself. Now i have XXXX bills to pay since 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 monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
ACA is showing late fees owed as well as 30 day late reports however, there are more often then not glitches with online payment system and representative charges {$6.00} to take payment over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-06 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships wit
h a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/24 I noticed a withdrawal of {$360.00} from our checking account. The charge originated from XXXXXXXX XXXX in XXXX, OH. We immediately called the bank and they placed a stop payment on the charge. We then received an email message stating that the fraudsters attempted another {$240.00} withdrawals from XXXX XXXX in XXXX, OH. Ally bank stopped that transaction/withdrawal but is still holding us responsible for the first {$360.00} withdrawal that we did not make or authorize.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to XXXX and Experian a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX and Experian has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].

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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to request the removal of the XXXX XXXX XXXX account # XXXX from my credit report. On XX/XX/2024I received a confirmation letter from your organization stating that the collection on this account has been terminated. 

Given this information, it is imperative that the corresponding negative entry be removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must not be reported to credit bureaus, as it can adversely impact an individual 's creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I was originally emailed by XXXX XXXXXXXX on XX/XX/year>, and I responded to them on XX/XX/XXXX, stating : The invoice they sent me was erroneous and appears to be a misguided attempt to collect funds to which their company is not entitled. They sent an invoice for fictitious items, falsely claiming they were owed, in an attempt to extract money. The invoice was for {$24000.00} despite no court ruling or judgment granting them any amount. 

I requested that they provide a written response within 30 days, acknowledging receipt of my letter and detailing the actions they intend to take to address my concerns. Failure to respond in a timely manner or resolve this dispute may compel me to explore further legal remedies to protect my rights as a tenant. 

The company completely ignored my request, and on XX/XX/XXXX, I was contacted by Fair Collections & Outsourcing at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX, requesting an amount of {$11000.00} not {$24000.00}. 

I requested proof of these charges to be provided legitimately, and the company also ignored my request. They have continued to follow up with me for the amount. 

I firmly believe that the charges imposed upon me are unfounded and do not adhere to the terms of our lease agreement.

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 2024-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
Hello. The company Paychecks-Solutions have been very harassing to my employer. The first thing they did was contact my employer in XX/XX/XXXX with a fake garnishment asking them to withhold money from my check without going through the court system. I was able to reach out to them to setup a payment arrangement however after I was late on XXXX payment today, XX/XX/XXXX I was informed by my boss that they reached out to him on his mobile phone asking me to contact them. My boss was not listed as a reference and I have no idea why they are contacting him on his mobile number. The efforts of this company are very harassing and need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
Hi Madam/Sir, I had a plan to invest in the stock market. That is why I subscribe to XXXX XXXX XXXX ( Paying $ XXXX ) to learn about stocks. I am a fan of XXXX XXXX who owns XXXX XXXX XXXX XXXX XXXX XXXXl. As a clear value subscriber I join XXXX XXXX XXXX XXXX XXXX XXXX  ). After a few days of joining the XXXX server I got a message from XXXX XXXX regarding investment help. I thought he is realXXXX XXXXXXXX and started communicating with him. I told him I want to invest $ XXXX in stocks and help to pick the right stocks. He told me to invest through XXXX XXXX XXXX, so you will be more beneficial and risk free. Before starting investment he told me that he is XXXX XXXX and he owns XXXX XXXX XXXX and XXXX channel as well. After that I have invested {$10000.00} to XXXX  for XXXX years. Then he gave me his vendor 's ( XXXX XXXX ) bank account details and told me to do Wire transfer to her account and she will transfer bitcoin to XXXX XXXX. Then I have transferred $ XXXX to his vendor bank account. At this stage I have given him ( $ XXXX + $ XXXX ) $ XXXX. He was always pushing to top up the account. Then he said yes you can earn a monthly basis which will help to resolve financial problems but you have to deposit $ XXXX then I can enroll you monthly basis. Then XXXX let me arrange money and let you know. After arranging $ XXXX I did multiple wire transfers to his vendor account. After 1 month of deposit when I asked for my monthly earnings withdrawal he was telling me you have to deposit another $ XXXX for my wife 's account. My family is struggling very badly because I am paying monthly installment of credit card transfer money and family expenses. I have XXXX kids and I am the only earning holder of my family. 
I did the following Bank wire transfer of {$58000.00} and all together I gave him {$63000.00}. 
Bank Account Info : Bank Name : Alliant Credit Union Bank Account Name : XXXX XXXX Checking Account : XXXX Routing number : XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Bank Address : XXXX XXXX XXXX, XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-06 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: OH

Complaint narrative:
XXXX XXXX bank sent information to Experian without my consent and violated the privacy consumer act that prohibits 15 u s c 433.3 and 15 u s c section 1601 and third party reporting information that was released without my consent i feel behind do to the enormous economic crisis with job loss and inability to pay on time debts

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 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
A person took out a title loan in my name online. The company that was used is called Speedy Cash. The title loan is for {$2600.00}. The title loan is also for a vehicle that I do not own, for several years now. This all happened on XX/XX/2024. I filled a police report and also notified speedy cash of the fraud activity. I sent in the requested documents to speedy cash for the fraudulent loan. I did not take out this title loan. I called in the morning of XX/XX/2024 to pay off my loan in full, I did that. Then about XXXX min after I received multiple change password email, log in new device email from speedy cash. Then I received a loan funded email and that's when I called them to report the fraud. They closed my account and investigation underway. It makes me think a speedy cash employee is doing this because it happened only XXXX min after I paid off my loan with them. I have the paid in full receipt from my loan. The fraudulent funds were sent to a debit card that is not mine. The fraudulent loan number is XXXX. I also have my credit frozen. Just wanted to inform the CFPB that someone took a title loan in my name using a vehicle that I do not own for several years for the amount of {$2600.00}. I appreciate your time and help. Currently waiting for a response with speedy cash after I submitted a fraud packet that they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX I have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation.

Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

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 explanation
Consumer complaint received 2024-02-06 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: Nelnet, Inc.
State: IA

Complaint narrative:
I have called and messaged Nelnet Student Loans multiple times regarding the possibility of my loans being eligible, in part, due to their status of 20-25 years active. I have been trying to contact them for a least a year and have received no response to email messages and have sat on hold for up to 4 hours waiting to speak to someone.

I want this discussion to be had because I do not want to miss my opportunity to have a portion of my loans forgiven per the federal mandates that have been enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( 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 ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( 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 ) ( 1 ) 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.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my Transunion credit report I discovered an inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/year> .I have never applied for any credit or services from this company. I called them directly and ask what the inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.

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