vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Dear TransUnion Consumer Dispute Center, I am writing to dispute the accuracy of information on my credit report, specifically in relation to the alleged debt associated with my account XXXX. I hereby request that you provide proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Current Balance : {$250.00} I want to clarify that I canceled my membership with XXXX XXXX on XX/XX/2023, both at the front desk and through email correspondence with the XXXX XXXX XXXX at XXXX, following the instructions provided by the Vasa staff. Enclosed with this letter, you will find copies of the relevant email communication that validates my cancellation. The email clearly shows that I followed the appropriate procedures to cancel my membership. 

Furthermore, I continued to be charged despite the cancellation of my XXXX XXXX membership, as outlined in the attached documents. These unauthorized charges are not in accordance with the terms of the contract and further substantiate the invalidity of the alleged debt. 

As such, this alleged debt is invalid, and I demand that you cease all attempts to include it on my credit report. Pursuing the reporting of a debt without proper validation and evidence of its legitimacy is a violation of the FDCPA, specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ), which state that a credit reporting agency must ensure the accuracy of the information it reports. 


Moreover, I believe this debt collection attempt is a clear act of retaliation for a negative review I left on XXXX for XXXX XXXX. I want to remind you that retaliating against a consumer for exercising their right to leave a review is not only unethical but also illegal under the FDCPA, section XXXX, and potentially violates state laws as well. 

I kindly request that you conduct a thorough investigation into this matter and, upon verification of the inaccuracies, promptly update my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect this investigation to be completed within 30 days. 

Enclosed, please find copies of the following documents for your review : Original Contract Email Sent for Membership Cancellation ( XX/XX/2023 ) Unauthorized Charges Documentation I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation in resolving 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 non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My father and I have social security numbers that are one digit apart and have the same first and last name. 

We have different addresses and different histories but the reporting agencies always have material that ends up on one or the other. I'd like to have his information off my history because it frequently causes problems for backgrounds checks at work. This is the 3rd time this has happened over 15 years.

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 2023-12-17 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: WI

Complaint narrative:
On XX/XX/XXXX Venmo completely froze my account leaving me stranded with no access to my money or debt card for a week. Then they refused to tell me why they froze my account and held my funds. Now on XX/XX/XXXX they have restricted my Venmo account from having fund added to it but again will not give any kind of reasons. How am I supposed to trust my direct deposites to a company they just locks you account and abilities at a drop of a hat and give no way of correcting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/23 Citibank paid out a check for {$1500.00}. from my checking account that was made out to XXXX XXXX and they gave the money to another party. 
This check was sent in the mail and written out to XXXX XXXX. XXXX XXXX did not receive the payment. 
I requested a copy of the cleared check and I showed the endorsement to XXXX XXXX. It was not endorsed by XXXX XXXX and I've have asked Citibank WHO THEY PAID THIS money too?? They did not answer this question. Citibank has all the information. They alone know who they gave the money to, not me, based on the check endorsement. 
I've signed an affidavit and XXXX XXXX sent a letter on their letterhead. They have now asked me to a third round of notarized affidavits to be sent back to them. I think they are just trying to wear me down, so I'll drop the matter. 
They paid a check that was clearly written out to someone else. I spoken to people at the bank, on the fraud line and sent back two rounds of notarized letters. 
Please help? 
I have a case number and copies of all 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 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
See case XXXX Today it will be 4 months of complaints against Mohela My loan payments should be {$50.00} a month They continue to be unresponsive or truthful with your agency or me Recently they claimed I was in school ( not true ) I am attaching the current bill in excess of {$600.00} a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STL HOLDING COMPANY, LLC
State: MS

Complaint narrative:
I am writing in response to the adverse action taken by DSLD MORTGAGE regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan. 
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-17 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: WI

Complaint narrative:
I recently disputed two different charge-off accounts that is listed inaccurately on my Transunion report XXXX Both accounts was claimed to have been verified as accurate. But these accounts still are being reported on my consumer file with numerous inaccuracies. One of the accounts name is XXXX with an account number attached to it as XXXX  XXXX. The last payment made on this account supposely was reported on XX/XX/XXXX but in fact if you look at the payment history on that same date. It shows the account was XXXX XXXX late. This information is listed incorrectly and must be deleted. Then there is another charge-off account listed on my credit file by the name of XXXX XXXX  with an account number attached to it as XXXX XXXXXXXX. This account is reporting inaccurately because the date the account was closed shows XX/XX/XXXX but if you look at the payment history being reported. It shows that the account was paid on time and still open. So how can Transunion have done a proper investigation if these accounts arestill being reported with inaccuracies? This company Transunion is being non-compliant and neglecting their duties under the FCRA and must be held accountable for their actions.

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 2023-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/2023 XXXXUS Bank granted an Unemployment Forbearance for 12 months ( no documentation is required ) however I provided them all of my unemployment documentation from the State of Florida employment termination letter ; ect. 

XX/XX/2023 - Received letter that unemployment forbearance is being revoked- no explanation- just an ambiguous letter causing confusion. 

XX/XX/2023 - Fax sent to US Ban Case Manager

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 2023-12-17 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: PA

Complaint narrative:
Transunion is in violation 1- My previous dispute did not ask you for accuracy or validation. 
2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) XXXX ( B ) XXXX ( C ) XXXX ( D ) XXXX ( XXXX ) XXXX ( F ) XXXX ( G ) XXXX ( H ) XXXX ( I ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 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: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I spoke with Equifax agent XXXX case # XXXX about my identity being stolen and used multiple times in XXXX, XXXX, XXXX at various banks without my consent as well as charge offsI have listed on attached file, of certificates of indebtedness that is classified as income which is illegal to report income and transaction history that must be corrected immediately and marked as paid as agreed. 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 XXXXXXXX all did not have written consent and according to Privacy Act of 1974 and 15 USC 6802-6805, 15 USC 1681 inaccurate reporting must be removed immediately for ID theft as well.

This has disenfranchised me from obtaining my needed trust account as well as losing my accounts making me become destitute and living in the streets now.

I DEMAND reparations and remedy as a Federally protected consumer. 
I also DEMAND ALL addresses removed except c/o XXXX XXXX XXXX Texas XXXX from my accounts due to being NON MAILABLE ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: MS

Complaint narrative:
Subject : Response to Adverse Action Violation of 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602 I am writing in response to the adverse action taken by XXXX XXXX XXXX regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically XXXX2 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan.Furthermore, it is not lawful to deny me my right to grant credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 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: FL

Complaint narrative:
I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX ACOOUNT NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX  Account number : XXXX Please remove account. 

XXXX XXXX : XXXX Account XXXX : XXXX Please remove account. 

XXXX XXXX : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 

Original Creditor : XXXX  Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO XXXX DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX ACOOUNT NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX  Account number : XXXX Please remove account. 

Original Creditor : XXXX Account XXXX : XXXX Please remove account. 

Original Creditor : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXlease remove account. 

Original Creditor : XXXX  Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO XXXX DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My paycheck was stolen from mail who ever received it somehow was able to steal my identity also simply to open up a bank account online with US BANK so that they could be able to cash my check withdrawal funds few week after by chance I went to USBANK trying to open a direct deposit account that when I was informed the an account already existed I file a claim with US BANK they send some forms to fill out I did that weeks later received a letter from US BANK fraud liason center telling me that my claim has approved and that's the last Heard from them everything I called the they'll give a different answer like they where still investigating to should get my refund in a few month finally they said that they couldn't prove my identity. So why did they send me a letter telling me that my claim has been approved

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They shut my account because of inactivity in XXXX of XXXX, but i had there money in cash rewards which they are not letting me claim ( {$430.00} ) they claim to have notified me about it, but i didnt get such notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Information not mine, account was not verified showing it belongs to me with my ID and other info that pertains to me. Company was not able to send verification of my purchase and validation of myself being involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received a gift card for XXXX have not been able to add to my XXXX wallet, tried purchasing a program and it was declined on. XX/XX/17

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 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: Optio Solutions, LLC
State: AZ

Complaint narrative:
A medical debt from a Vet was paid in full to the medical office. This debt occurred due to medical treatment of my pet. The Vet is a Dr and the amount owed was medical debt under {$500.00}. Ive repeatedly disputed this trade line with all credit bureau and the have not correct the issue. This medical debt of {$280.00} was paid in full to original creditor and is to be removed since it is medical debt as classified by the the credit law. CFPB said that the three largest credit bureausXXXX XXXXXXXX, and XXXXannounced that all paid medical debts and unpaid debts less than a year old would be removed from credit reports. In XX/XX/2023, they extended this to all medical collections under {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: WA

Complaint narrative:
On XXXX  I submitted an email inquiry to my loan servicer EdFinancial, through their website. 

On XX/XX/ I received the attached email saying they had spoken to me and that my issue is resolved when in fact, I have NOT spoken to EdFinancial and the issue is NOT resolved. No representative has contacted me since I contacted them on XXXX 

In addition, the issue which I emailed about is NOT resolved as of today, XXXX

Company response to consumer: Closed with explanation