vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.

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 2023-11-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: AR

Complaint narrative:
Dailypay has had issues updating daily pay, along with hours of down time on there servers. Customer Service repeats the same thing that is on there website or in the app. Dailypay also failed to update my balance in a timely fasion, Dailypay also chargers a higher fee the other services out there. Per web research 's it seem that this services is set at a {$0.00} - {$1.00}. It also seems that they charge this fee twice, one during the instance transfer and then once again when you get your check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, The following accounts has violated my rights : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-13 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: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and 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 non-monetary relief
Consumer complaint received 2023-11-13 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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Im a Dealer in the state of Georgia. A customer came to my place to test drive a vehicle that she liked and wanted to buy it. She applied for a loan with USAA credit union that she is a member with. She was aproved for that loan and promised that with in 2 to 3 days the funds will be at the dealers bank account. after about 12 days the customer gave me premission to call USAA, and I did. I talked to someone who told me the loan is under review I asked to speak to a manager and after being on the phone for about 30 minutes the only respond I got is that the loan is under review. I decided to call again at this point the loan has been aproved 2 weeks before. to save time I asked to speak with a manager whom told me again that the loan is under review I replies by asking Please explain to me why has the loan been undre review for the last 2 weeks? why is it taking that long?

I got no reply. when I stated that I will be filing a complaint against the bank she replys " Are you thretning me? '' one more thing I wanted to add that everytime I called and my costomer called we had to speak to someone else they dont have one person that is responseble for the loan.

USAA credit union has showed behavior of restricted unfair actions, deseptive and abusive actions and should be properly disciplined for sush actions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: TX

Complaint narrative:
Informed Expore Credit they can no longer withdrawal funds from my account via email and text. They have continued to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I made a payment on XX/XX/2023 to Mohela, my loan servicing provider. Mohela sent me a delinquent notice stating they did not receive my payment. The payment was made through my bank 's online bill pay center. My bank confirmed the payment was made and went to the correct Mohela account. I have tried to reach Mohela several times, spending hours on hold, sending multiple messages through their website yet I have not been able to reach anyone. This company does not answer the phone!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED.

I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Chase for account ending in XXXX. I have no records of signing with my wet signature to authorize the account ending in XXXX. I never received the true invoices signed under penalty of perjury confirming Chase provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Chase for the account i.e. 1099 0ID, 1096, INC, PRC and 1099. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 

AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
This mortgage servicer has entered my property without authorization, contacting both my XXXX  grandmother and father. I possess evidence in the form of video surveillance, which prominently displays a " no-trespassing '' sign on my premises. They have engaged in unwanted surveillance and left blank notes on my window and doorstep in an attempt to establish contact, employing the practice known as " ding-dong ditching . '' Despite repeated requests, the mortgage servicer has not provided a copy of the purported contract between us. It is essential to clarify that I have never entered into a contract with this company. My original contractual arrangement was with XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX engaged in mortgage fraud by creating false budget sheets, resulting in my qualification for a fraudulent loan. They were aware of the fraudulent nature of the loan, leading to its sale. Importantly, I was not provided with full disclosure regarding this fraudulent activity, including my right to rescind under the Truth in Lending Act. I keep asking them to produce the original note. The deed alleges the home was purchased for XXXX dollars. They are claiming a loan took place but they have yet to furnish any proof that any loan happened. The only money that has been exchanged has been extorted from me to this servicer under false premises. 

The current servicer is falsely claiming that my home is vacant, potentially as part of their predatory lending and mortgage fraud misrepresentation tactics, which also violate my civil rights. I hereby dispute any alleged power of attorney by this company, as they claim an irrevocable power of attorney without making me aware of it. Fraudulent practices nullify the entire agreement, as full disclosure never occurred. I do not consent to and will consent to harassment, stalking, or intimidation tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: GA

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

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Collections and Consumer Relations Dept. : As I have not heard back from you in over 30 days regarding my notice of dispute dated, I must presume that no proof in fact exists. Also attached is a FTC report regarding the fraudulent accounts in detail. 

Account : Name BANK OF AMERICA TEXAS Account # : XXXX, XXXX, and XXXX PLEASE DELETE FROM MY FILE You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you are reporting my name and social security number in error, and that this matter is permanently closed.

Your continued silence is unacceptable. You must either provide the proof or correct the record to remove the invalid entry from my XXXX XXXX file. You are currently in violation of the Fair Credit Reporting Act. 

Failure to respond within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I deposited XXXX and began trading on robinhood after about 2 months I lost my card and decided to use my relative card to deposit money on XX/XX/XXXX I deposited money into my robinhood account using my relative card can show and prove documentation and confirmation that it was okay through relative. After the money was deposited I continued to trade on the account although my bank account under my name was still on file robinhood decided to close my account once I made {$3800.00} and have held my funds since XXXX XXXX. 
They never asked for documentation just closed my account and have my money. I would like for the funds to be rightfully released back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
On Monday, XXXX XXXX XXXX XXXX XXXX I received a phone call from XXXX. The man informed me he was with XXXX something and that I had a debt owed from HSBC aka Household Credit Services. I explained I had discharged that debt in bankruptcy and he is not allowed to call me on it. He said that wasn't true and I still owed the money. I said that is not true and hung up. 
I discharged this debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 
It has been 16 years since this was discharged and they should not be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not grant permission to anyone to utilize my details for the purpose of opening this account.

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 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I called the debt collector this morning and they refuse to answer my questions. XXXX question was can I speak with the person who's name is on the letter. This person does not exist. They put a name for reference only, apparently. XXXX question, what is this about, Without verifying personal information they refuse to talk with me. even though I am giving all the information from the letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I'm writing about my Capital One SavorOne credit card. I had closed the card due in XXXX XXXX after a fraudulent charge. Capital One sent me a new card, but I didn't activate it right away and didn't use it for several months. 

Without my knowledge or permission, several subscription services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  charged the new card- even though it had not been activated and should not have been able to be charged. I was unaware of these charges and didn't know the card had accrued a balance as I had never activated the card. 

When I realized the card now had a balance ( XXXX XXXX XXXX XXXX, I immediately paid it in full. I've been a Capital One customer for about 10 years with two credit cards and have never missed a payment before this and I haven't in the nearly two years since this incident. This one late payment has lowered my previously excellent credit score significantly and is impacting my ability to get a mortgage loan. 

The card should not have been able to be charged because I never activated it. CapitalOne has refused to remove the late payment from my record, even though I did not authorize these charges and it never should've had a balance in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-13 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: MO

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from 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 non-monetary relief