vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Everi Payments Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I used two separate ATMs, and both times my card did not eject from the machine and had to be manually retrieved. Both times the screen on the ATM read : " error/card not taken, account with not be charged ''. I've used these same machines several times with the same card in the past with no issues. My checking account was debited both times, each amount was {$500.00}, for a total of {$1100.00}. I never received any money. I've contacted the ATM provider, EVERI, provided the location, date, exact time, first 6 and last 4 of the card number, and amount of transactions. I was told they couldn't find anything that matched and I needed to give them my card number in it's entirety. I don't feel this is necessary, Im not comfortable giving them this information. My card issuer, cash app, has started a dispute, but tell me it could be 55 days before it's resolved. I've received a provisional credit of {$5.00} for the ATM fees and that's it. I need my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: RFNA, LP
State: GA

Complaint narrative:
I am so displeased with the way my information was used by Republic Finance. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX  and XXXX, so at this point, you really should be protecting my privacy. This is XXXX to my emotional and XXXX health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed from my credit report because According to 15 USC 1681. I have the right to privacy and did not give Transunion written permission to furnish these accounts. 


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 non-monetary relief
Consumer complaint received 2023-03-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent the enclosed request for reinvestigation to Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX and TransUnion Legal Dept XXXX XXXX XXXX XXXX XXXX, IL XXXX via certified mail and they failed to notify me of the status of the investigation. The item of information in question XXXX XXXX was not removed from the report even though it was transferred. XXXX and XXXX have removed it from their reports. Transunion failed the requirements of 15 USC 1681i ( a ) ( 1 ) ( A ) in failing to conduct an investigation or notify me within 5 business days that they decided not to.

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 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc.
State: CA

Complaint narrative:
Collections Agency Unifin XXXX InXXXX on behalf of XXXX XXXX XXXX is attempting to unlawfully collect on a debt. The Reference number is XXXX. 

The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX XXXX A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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 rep orting 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 2023-03-27 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: HI

Complaint narrative:
I have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}

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 2023-03-27 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: HI

Complaint narrative:
I have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-27 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Services keep calling me on my home phone but refuse to either disclose who they are trying to reach and refuse to remove my phone from their system after asking them to remove my phone number several times, yet they still call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC
State: FL

Complaint narrative:
Hello there is a person by the name of XXXX XXXX who contacted my family members to inquire about a personal matter or debt. Now there are requesting my employer information. That is unethical and disruptive to contact my family. They called XXXX XX/XX/2023. The number they left behind comes up as Asset Recovery Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: MT

Complaint narrative:
To Whom It May Concern, The loan company saying I owe for the student loan is a scam. We're not sure where to go from here to pursue this dispute.

I do have documents of the research and correspondence we have made so far of the various companies that have received my payments in which, you can find that those that received the most payments are in ongoing lawsuits. The most current company, MOHELA, that says they are in charge of my student loan has put a lien against me which is putting a hold on us qualifying for a home loan. Even if I could just pay it off AGAIN I wouldn't know where to pay it to. I was paying to the companies in good faith all these years that where in charge of my student loan at the time. So, who do I believe? 
Do you know of any action that I can take to resolve this problem? Any help you can offer would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX, I am hesitant of sending this because to me that just wakes up the company MOHELA to start harassing me again. I would like this whole thing looked into. MOHELA just ignored me when I sent them the letter and documents in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
An individual sent me money on Venmo on XX/XX/XXXX. On XX/XX/XXXX I was notified by Venmo that a chargeback case was opened because the sender stated they did not make the transaction via their financial institution. As requested, I provided Venmo with video of the sender making the transaction in my driveway along with messages between the sender and myself showing that she intended to make the transaction. I then reached out to the sender asking her what was going on and she told me that her CC info was stolen and her bank mistakenly recalled that transaction. On XX/XX/XXXX I was notified by Venmo that the senders financial institution decided in her favor. Venmo does not care that I have proof the sender made the transaction and all they have to say is that if I cant come to an amicable resolution with the sender I should contact law enforcement or legal counsel. And the sender is giving me the run around. Anyone with a modicum of common sense and morality can see that this should be between Venmo, the sender, and her financial institution. I should have no more involvement. I have done nothing wrong and have proved that. Venmo is stealing money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Applied for Credit, received denial letter with information, that have been working with Experian correcting information on Consumer Credit Report, Experian Reporting information that I'm not seeing on credit report. 
Started correcting information with Experian why wasn't aware of these action. 
I'm aware of all XXXX Bureau, have been working with. 

So Experian reporting fault miss information on credit report. 
Received information from other Bureau about email Identify. Now Experience now correcting other Bureaus have. 

Need for Experian to Report correct information, also to correct my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
On XX/XX/2023, I applied for a loan extension with OneMain Financial. I filled out the application online and submitted all the necessary documents and IDs. 
It was too late in the day to get an approval so the gentleman asked me to call him on Monday. 

When I called I asked him about the loan and he stated that the loan was approved. 
He stated that he wanted to see if he could get me more money. 
So he said that he would call me back in an hour. 
I asked him again about whether the loan was approved and he said yes. 
When he called back he stated the initial loan request and the additional funds were declined after he told me the loan was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My wife mailed a check for {$43.00} ( from our local post office ) to our local XXXX. Somewhere between the post office and the XXXX XXXX, it was intercepted buy a fraudster. The fraudster then took white-out and altered the check, wrote over the white-out making it payable to an individual for {$5000.00} ; the check was then cashed ( via mobile deposit ) by USAA on XX/XX/XXXX XXXX it was on our XX/XX/XXXX statement. The alterations were amateurish with at least 16 places on the check where you can see that the original writing had been altered. 
I discovered the problem and reported it to USAA on XX/XX/XXXX. The two USAA employees on the call agreed that it had obviously been altered and then cashed by USAA ; they explained that their fraud unit would investigate, call us in the next 3 days and reimburse the funds into our checking account. 
USAA did not call us ; on XX/XX/XXXX, I saw a message on my USAA log in that stated they denied your request to adjust your account. because I notified them at 73 days rather than 60 or less.

The back of the check says For USAA mobile deposit only so, that suggest a USAA account existed to receive the funds ; that USAA account was surely created with faked identification. USAA has refused to verify there was a USAA account the funds were transferred to and whether the XXXX is still in that account or if, and when, the cash was withdrawn. USAA cashed an obviously fraudulently altered check and transferred my funds to a surely falsified USAA account and they refused to tell me where the {$5000.00} went once they transferred it out of my account. USAA refuses to take any responsibility because of the 13 days over the 60 days and I have been a customer for 39 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation