vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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:
This is erroneous information that affects me. 

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A few weeks ago, I was purchasing a product on XXXX, but as soon as I tried to put my card through, there was a problem with the merchant. I finally realized the merchant was not credible, and backed out of the transaction. I called Citi and we went through what we thought was a 'fraudulent transaction '. They gathered all of the information and I was issued a new credit card in the mail. The old one was destroyed. So it was caught in time. Now, Citibank Double Cash MC is sending me an 'Investigation ' inquiry as part of a dispute, which means I may be liable for the purchases. I do not understand why they do not recognize the difference between a " Dispute '' and a " Fraud '' transaction. There is no dispute here. The merchant is not credible and the transaction was not completed. Still, Citi takes XXXX billing cycles to investigate. I have so many questions surrounding this. Why am I being targeted for the crime? Secondly, a " XXXX '' ( positively terrible ) in Customer Service was no help whatsoever. I would like to understand how Citi differentiates between fraud and a dispute, and why I'm being investigated when I did nothing wrong? This letter is a fraud in and of itself because it is NOT a dispute with the merchant, but it's obvious Citi doesn't conduct background checks on its merchants, and that IS a problem for the consumer. So who is at fault here? I would like to know what to do with this letter, and what is going on. Or we will need to resolve this in court. There is no dispute. It was a fraudulent transaction by a major financial firm who did not do the appropriate background checks before issuing the use of their credit cards for merchant sale. This is a case closed. I have the new credit card and it was a transaction of fraud That's the bottom line.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi One out of the Three reporting agency are still adamant about keeping a record of a bankruptcy that is not mine on my credit report! I have detailed info from the agency XXXX XXXX that originally had to remove this from their data base because they found no reliable information that linked the bankruptcy to me. After multiple failed attempts to have it removed from all three agency finally XXXX did comply, but the other two Transunion and XXXX has not. Now my last resort is to use this portal to try an get Transunion, XXXX to comply to the consumer Laws.

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 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I parked the vehicle in my driveway about XXXX on XX/XX/2023, I got up at XXXX and got ready to go to work, I left to head to work at XXXX to find that the car was no longer in the driveway. I was not provided a notice of repossession and the repossession happened while I was asleep. I then attempted to contact the lender to find out details about the company that repossessed it so that i could gather my belongings from said vehicle, I was then met with opposition, and refusal to provide me with any information regarding who had the vehicle, Westlake Financial Services was demanding payment in order to receive said information, at which point I took to finding the vehicle on my own. I tried calling another recovery agency to which they did not have the vehicle. I then contacted the XXXX XXXX Police Department at which point I was informed by them that the vehicle was recovered by XXXX XXXX XXXX. I contacted them to confirm that the vehicle was in their possession to which I was informed that it was. I Westlake financial services has also hung up on me multiple times today. They have also called me multiple times everyday including saturday and sunday at all hours of the day including times from XXXX XXXX  to XXXX XXXX  days a week multiple times a day.

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 2023-09-20 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: FL

Complaint narrative:
i sent a letter to equifax and XXXX on XXXX by usps certified mail # XXXX ; U.S.P.S. CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX ) they received it on XXXX, but never sent me any documents, per 15 usc 1681b.i have also attached a copy of the inaccurate and incomplete account reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MS

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 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: SC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-20 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I input my social security number on the Wells Fargo website and it processed. Then I input my DOB-XXXX and it didn't work. I figured out the DOB being used on the account was XX/XX/XXXX. After inputting both the social and DOB to gain access to the account, the log in website requires a the account, credit card, or debit card number. I do not know it. There are two other compalaints I filed with Wells Fargo with email address XXXX. There is also a beneficiary account under my social security number at the Wells Fargo. I am not on good terms with relatives so they will not tell me and have not told me since the account was open. I walked into to the Wells Fargo in the XXXX of XXXX to find further information on the account, but was disserviced. I provided my birth certificate, social security number, license at the time- I have a new one, and they gave me the run around. For that reason I have not called or walked in again. Doing so, would only alert them to delete or tamper with the accounts to hide what it is they got going on. Since its my mothers account and she recieves wages from social services for adopting kids, the beneficiary account is being tagged along to make it more difficult to access. In worse case, they could be doing some white collar stuff to keep this from me. In any case, I am familiar with FDIC insurance and liability policys that banks must follow and will file a complaint with them as well. Since mother was mislead, she is not at fault for the negligence on the proffesional side.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 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: SC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
The issue is with XXXX XXXX. A fraudulent account was opened under my name in XXXX of XXXX. I've spoke to XXXX XXXX numerous times on the phone, spoke with their fraud department, went into a XXXX XXXX store and verified my identity in which the store manager then pulled up the number and the name of the person who did open the account. 

I've reported the account ( now in collections ) to all of the credit bureaus, as well as XXXX different collection agencies. They keep transferring the account to another collection agency after I tell them it's a fraudulent account, and they know by law they can not contact me about the debt any longer. These collection agencies have also now started to contact my family as well, who have nothing to do with the situation or the account, and whose names are not assigned to the account or the collection. 

XXXX XXXX keeps telling me that I have to file a fraud report and submit the report to their fraud department in order for them to do an investigation which is ridiculous because I've literally went into a store and verified my identity etc. This might as well be harassment at this point as it's been over 2 years since they account was opened and now over a year since I originally did everything they've asked me to do in order to report the account as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 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: MN

Complaint narrative:
Its a PayPal accountI that I have {$4300.00}. Waited XXXX because they said they hold accounts for XXXX  days, called today to get the money transferred and they say they cant transfer this into my account cause my wife has her own PayPal account but share the same bank account, so I go to the bank open a new account and call again and now they tell me that they can not transfer the whole amount try a smaller amount and the charge {$25.00} dollars After they charge 3 % for fees for holding your money for over XXXX  days and then after all that my request to transfer my own money to my bank account is denied! How frustrating is this? And I dont know if when I will get my money! This is criminal I dont know how many people they do this to every day, but if this is criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I sent a letter of validation pursuant to 15usc1692g certified united states mail to the dispute department at the XXXX XXXX XXXX XXXX XXXX XXXX. I sent the letter it was recieved XXXX. I called today XX/XX/2023 at XXXX I was on the phone with a rep for XXXX minutes because a supervisor would not come to the phone to handle my questions. It has been over 30 days and no validation of the debt has been sent to me as requested.

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 2023-09-20 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After calling trying to freeze my account and securing my account they still haven't fixed it yet since XX/XX/XXXX I been calling them I gathered up as much screen shots I could get a hold of I honestly don't know what's going on I never received any money and me and my son 's social and out information is out there I'm in XXXX  housing trying to get a apartment and my credit is not helping I have a dead line XX/XX/2023 please help me

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 2023-09-20 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: TX

Complaint narrative:
Credit Reporting agency was updated by me and sent certified letter on XX/XX/23 of blocking of account due to account not mine and illegally reporting actions. Company failed to update personal consumer report within four days as required by law. Proof provided that account in question is owned by entity and not by me personally in which this account is being reported

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello CFPB agent ( s ), I have the venmo visa card and I reside in California. I made a large payment on my card ( {$2000.00} ) on XX/XX/23 and it finalized on XX/XX/23. My payment has still not been applied to my account. I have called several times and gotten different responses from customer service and managers.

They are effectively holding my money hostage without providing me my credit on my account for my payment. I believe they are in violation of their terms of service. Please help me. 

Thank you, 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 2023-09-20 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: SC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Request for automatic removal of PMI as loan has reached automatic PMI a removal once original loan to value reaches 78 % or original loan to value They are requiring that I pay for a new appraisal $ XXXX {$800.00} and refusing to automatically remove the PMI they also are referring to the date on my amortization of when it should automatically fall off but when I called and spoke with XXXX she was unable to provide the date she was referring to. She also was unable to transfer me to a supervisor. The original loan amount was {$210000.00} my current balance is {$160000.00}

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited my paychecks on XX/XX/XXXX, as usual at the bank. On XX/XX/XXXX they returned several items and still had a hold on my funds. When I called I was transferred to the fraud department where a supervisor named XXXX said the hold was placed per regulation CC and could take XXXX business 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 explanation
Consumer complaint received 2023-09-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

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