vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I would like the following unauthorized hard inquiries deleted from my credit report : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-07 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2022 unauthorized mobile deposits were made to my account after two months the issue was resolved, most recently authorized mobile deposits were made and within hours my account was closed and i was told that the bank is ending their relationship with me due to fraudulant activity made to my account. I have bsnked with th3m.for 16 years. And never had this problem, they say that they dont take third party checks but a payroll check is a third party check. Due to this closure i am not able to open a account at another bank and i have a business to run

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has a 1st delinquency date of XX/XX/XXXX. Transunion has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. XXXX continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information XXXX provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.

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 2023-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a business account with Venmo in XXXX of XXXX. Since then they have restricted my withdraws due to their inability to verify my account. Every time I work to verify my account I receive errors or their team stops responding to me. 

In XXXX of XXXX I submitted multiple tickets with their team, attempted to call them, and provided evidence. They won't give me access to my business account on the web and their app won't allow me to withdraw more than $ XXXX and often won't even allow that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I bought a home at the tax upset sale with a Lien on the Title for a HELOC. After multiple attempts to request a payoff for the amount of the Lien, the bank is refusing to respond.

The original owner of the Loan is deceased. I have the Deed in my name and want to clean the title and they REFUSE to acknowledge or offer a payoff, or provide a Lien Release.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I just received a call from Wells Fargo letting me know that they are still looking into this claim And they would send a letter stating so I just opened my email to find a message from this site and it shows claim is closed Doesnt make sense!!!

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 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I was not aware of the this bill until XX/XX/2023 when I checked my credit score and talked to my insurance agent and XXXX. Because the billing statement has my wrong address which does not include my APT number, I was never properly notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: IA

Complaint narrative:
- CashNetUsa sent me sent me an email on XX/XX/23 for me to access a Line of Credit statement that they represented I'd taken out with their firm. I have never applied nor received a loan from this firm, never would, nor provided them with my approval and personal information. 
- They continue to send me emails attempting to collect on this either bogus or fraudulently obtained debt with their firm. 
- The most recent email ( received today XX/XX/23 ) indicated a payment amount due of {$170.00} on line of credit # XXXX for customer # XXXX referencing my name and it was sent to my personal email address. 
- I contacted them via phone today and informed them that this is a bogus/fraudulent transaction, to discontinue contacting me, and to delete and destroy any personal information they have on me at their firm. I refused to provide them my personal information, despite them asking for my SSN #, and other information. 

This firm fails to comply with privacy protection rules, know your customer laws, customer identification/validation, and is attempting to collect on an illegitimate debt and is facilitating fraud and identity theft in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-07 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: NY

Complaint narrative:
This is my complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

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 2023-04-07 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 according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX  XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX XXXX acct # XXXX has violated my rights.

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 an account without my written instructions

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm a victim of identify theft. Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. these accounts have been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when TransUnion got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet TransUnion says that they can't provide the information as they don't have to but also can't remove.

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 2023-04-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with two accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information. 

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: VA

Complaint narrative:
Dave Banking through XXXX Bank XXXX XXXX XXXX accessed my account information and made multiple charges in XXXX, SC and online. Once I noticed this happened, I contacted my bank, XXXX through XXXX Bank and XXXX and reported these fraudulent charges. I formally disputed these charges. They cancelled both my physical card and virtual card. I even froze my new cards through their app. Money kept being stolen. Per their Fraud department a provisional credit would be issued in XXXX business days. Instead of this, they closed my account and havent settled these disputes. I now will have to wait up to XXXX days for the judgement by them. Why would they judge in my favor if I dont have an account. I have no way of reaching them directly because I'm no longer an account holder. 

The fraudulent charges were made on XX/XX/23 : 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 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 I called my bank on XX/XX/23 at XXXX am to report these fraud charges and request new chards. They closed my account on XXXX and have provided no updated information in regards to these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I WOULD LIKE TO MAKE A FORMAL COMPLAINT AGAIST DAVE BECAUSE DAVE KNOWS I AM ON A FIXED INCOME AND I ONLY GET PAID ON THE FIRST OF EVERY MONTH AND I AM XXXX, BUT, YET THE LAST SEVERAL MONTHS XXXX HAS BEEN GOING IN TO MY ACCOUNT AFTER ONLY A COUPLE OF DAYS LITERALLY, THEN DAVE GOES INTO MY BANK ACCOUNT AND RETRIEVES THEIR MONEY. EXAMPLE I TOOK A DAVE ADVANCE ON XX/XX/XXXX AND THEY TOOK PAYMENT THIS MORNING XXXX XXXX, AFTER ONLY XXXX DAYS, WHEN DAVE KNOWS I DONT GET PAID AGAIN UNTIL XX/XX/XXXX. I HAD NO CHOOSE BUT TO RETAKE ANOTHER ADVANCE THIS MORNING AND THIS TIME IT SAYS ONLINE DUE ON XX/XX/XXXX WHICH ISNT MY CORRECT DUE DATE EITHER, I FEEL DAVE IS EXTORTING MONEY FROM ME BECAUSE THIS IS THE SECOND MONTH IN A ROW THAT XXXX WENT INTO MY BANK ACCOUNT AND TOOK MY FOOD MONEY BECUSE THEY TOOK MY MONEY BEFORE IT SHOULD HAVE BEEN TAKEN, WHICH IS ON THE XXXX OF EVERY MONEY. SO NOW DAVE IS TAKING DOUBLE FEES FROM ME BECUSE DAVE IS LITERALLY MAKING ME TAKE XXXX ADVANCES WHEN I SHOULD ONLY HAVE TO TAKE XXXX BECAUSE I AM ON A FIXED INCOME AND I ONLY GET PAID XXXX TIME PER MONTH ON THE XXXX XXXX OF EVERY MONTH. I HAVE BEEN CALLING THEM EVERY MONTH COMPLAINING FOR MONTHS ABOUT THIS NOW AND NOW THAT THEY ARE GETTING DOUBLE MONEY IN FEES OUT OF ME THEN THEY SHOULD LEGALLY BE GETTING. EVERY MONTH I CALL AND COMPLAIN THEY SAY WE CAN SEE THAT YOUR PAYDATE IS ON THE XXXX OF EVERY MONTH BUT THEY ARE SORRY AND THEY BLAME IT ON AN ERROR IN THE APP AND THEN THEY SAY THERE IS NOTHING THEY CAN DO, THEY CANT GIVE ME MY FEES OR MONEY BACK BUT I CAN RETAKE DAVE WHEN THE APP SAYS YOU CAN CHECK THE APP FOR INFO. PLEASE HELP ME BECAUSE DAVE IS LITTERALLY TAKING ADVANTAGE OF ME AND I NEED HELP THIS HAS BEEN GOING ON FOR MONTHS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XXXX/XXXX/2033 I received a collection notice from MIDLAND CREDIT MANAGEMEN in regards to doing business with XXXX XXXX in the amount of {$3500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These Hard Inquiries Were NOT Authorized : XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Your opening questions do not apply to my specific complaint but I had to choose to move forward.

Trying to transfer office of account to office I regularly use rather than one 40 miles away.

Over 1 yr ago attempted to change by visiting branch. Paperwork submitted by branch & approved. Change never took place. Several visits back to branch with no resolution. Wrote corporate & received phone message they would be reaching out to me. I replied & waited. 
I then wrote to Dept of Financial Services in XX/XX/XXXX @ address posted in branch to which to file complaints. RECEIVED WORD BACK THAT THE OFFICE TO FILE COMPLAINT WITH AS POSTED IN THE BANK IS NOT THE OFFICE TO COMPLAIN TO. Received word back that I had to contact your office. The notice included your address in XXXX, IA. I wrote to you at the end of XX/XX/XXXX only to receive that correspondence back today indicating forwarding time expired. I then went on line for mailing address & found this means of filing complaint. 
Hope Im able to add attachments as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This account has a 1st delinquency date of XX/XX/XXXX. XXXX has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. Navient continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information Navient provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to Experian they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb 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 2023-04-07 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either

Company response to consumer: Closed with explanation