vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: MD

Complaint narrative:
To CFPB, I requested Equifax, XXXX, and XXXX to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The federal XXXX aid has a different amount owed than Navient. Navient stayes I never paid them and will not show my payment history. They have the incorrect loan amount. XXXX has the correct amount. Navient told me no interest would acrew if I went into forbearance for years and then XXXX plan. 
XXXX has my balance at XXXX and Navient says they bought loans and consolidated them and I owe XXXX. 
I have tried to contact both XXXX and Navient over XXXX times in the past frw years to correct this. 
I paid for over XXXX years on these loans and was told it would be forgiven after XXXX  years on XXXX plan I began in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the following charges on my credit report. all correct information for all XXXX credit reports are supposed to be XXXX XXXX accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My father XXXX XXXX is with me and he is XXXX XXXX XXXX his credit report is showing the wrong date of birth and he would like it fixed. There might be some fraudulent activity. It is affecting his scores and and he is trying to get a loan. 

Please help.

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 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates P.L.L.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates P.L.L.C From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I dont owe phone carriers and they are reporting false charges and reporting false payments made by me to keep the account current in my credit report. I need these false debtors to remove these items out of my credit report so that I can buy my XXXX home. They are hindering me from buying my XXXX home.

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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX, my social security benefits were deposited to my pre-paid account while I was at work. A few hours later, I received text messages from XXXX indicating four ATM transactions had been made on my card. I called XXXX right away to let them know that while I was working I had received text messages indicating I made ATM withdrawals. I let them know I had used my card that morning to purchase a salad and the card was in my posession. I filed a fraud complaint and I was informed this morning that my claim was denied because they said I told them the charges were made on an unactivated card and that is why my claim was denied. I had the card since XXXX of XXXX and have used it up until XX/XX/XXXX. My claim did not state my card was not activated and I went over my previous charges with the customer service rep on the phone to confirm they were accurate. I am not sure how that came with a determination that made because that was inaccurate. The charges in question are as follows : XX/XX/XXXX {$2.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$2.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$2.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$2.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$0.00}

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 2022-09-03 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: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX 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 2022-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Yesterday on XX/XX/XXXX I deposited a check through the XXXX  app. I then tried to transfer a portion of said check to another bank, as it was made available for me to transfer. A few hours later I try to log in and it says my account is locked due to security reasons. I call and they explain to me that my account was locked due to an investigation by the fraud department. I've read online and from friends that these reviews can take anywhere from 30-90 days. I can not wait that long. I am a XXXX XXXX XXXX, I have bills I need to pay and don't have the ability to do so without accessing my funds. No rep has been able to put me in touch with the fraud department as they are not able to be reached over the phone. 3 emails have left no answer. This is money I need to access to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
In XXXX, a notice rescinding the agreement for non-disclosure, UCC and 15 USC consumer law violations from PRESTIGE FINANCIAL SERVICES was received by them but has not been responded to and the 20 days expired placing them in violation of 1026 ( c ) ( d ) ( 2 ). They refuse to resolve this issue by remedy stated therein of the rescinded instrument yet harassing me via text messages about making a payment without resolution to the rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX 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 non-monetary relief
Consumer complaint received 2022-09-03 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the XXXX other bureaus. XXXX refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from XXXX doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to 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 2022-09-03 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: MD

Complaint narrative:
On XX/XX/XXXX an email was received from Venmo stating " [ ACTION REQUIRED ] You did not have sufficient funds in your account to cover there payment of a dispute case. '' Venmo has restricted the account on the grounds that some type of item was purchased when the transaction is considered a gift as marked with a gift emoji. 

The company describes its service as making sending money safe, simple and social. Yet shows negligence when cases or disputed. I was even contacted by Venmo whom states the account is not even associated with its email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a prepaid credit card from Chime. I purchased a subscription for XXXX on the XXXX of XXXX, by mistake with my XXXX  XXXX. So I immediately called XXXX for a refund, and they in turn immediately refunded it back to my card. During this process, Chime decided to put my prepaid debit card ( which only lets you spend the amount you put on the card ) in a XXXX balance. Leaving my overall account negative ( which is not possible to do with a prepaid card ). I called to tell them of the mistake, I was belittled, told that my money was posted to my account and that it was nothing else needed to be done cause apple was still processing the refund. Weeks after not seeing the refund post, I called again to ask them " Why hadn't my refund been posted to my account? ", I was told that 1st it had been posted and I had received my money. After I assured him I did not receive my money and the amount that they had posted only fixed the negative balance that was on there ( that shouldn't have been ). They told me this like 15 times without even trying to comprehend anything I was saying. They then lied to me and told me it was because XXXX tried to take the money 2 times. So I get off the phone, call apple and confirm, the very sweet lady I spoke with confirms with me that they did not charge me twice and that the mess-up is on chimes end. So I was blatantly lied to, all because someone messed up and didn't want to fix the problem. The guy XXXX I spoke to was very nonchalant and showed no concern or care for my issue. I know it's only XXXX but I need every penny I get. I am a college student living on my own with court issues, illnesses, and other obligations I have to attend to. So I'm here begging you to please help me get justice in this matter. I work very hard for every penny I earn and I need my money back as Chime will not even listen to fix the problem. Thank you in advance. 

With XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the two other bureaus. Transunion refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from Transunion doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to 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
Consumer complaint received 2022-09-03 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: OK

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
Yes on XX/XX/XXXX I had an unauthorized transaction of {$40.00} on XX/XX/XXXX another unauthorized for XXXX and then on XX/XX/XXXX I had an unauthorized transaction for {$180.00} through cash app these people got a hold of my phone and sent themselves the money I have XXXX couple doing it on my XXXX camera but yet cash app is telling me that I did this and I authorized it which I didn't it's not fair knowing that I have proof that I didn't do it but yet they're investigation says I authorized it I didn't I am out {$240.00} right now and that's my daughter 's money I'm a XXXX parent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: GA

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, XXXX, and TransUnion Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 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