vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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: NJ

Complaint narrative:
do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.

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 2022-09-11 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: NJ

Complaint narrative:
do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The bank has a program if you open a new account is supposed to credit you {$400.00} if you had to do anything and theyre telling me that because I didnt deposit XXXX in one lump sum They will not qualify me for the program nowhere does it say deposit XXXX in one lump sum is this make Direct deposit in the sum of XXXX or more dollars Ive made deposits in the sum of way more than {$500.00} what they do is they intentionally break up my payments so I dont come in at {$500.00} Im going to send documentation to show this this bank is the scummiest dirtiest bank Ive ever dealt with their customer service will yell at you theyll hang up on you they wont return your calls theyll say they return your calls they wont they lie this is a very dirty bank I dont recommend anybody using it Im so disappointed that I close my original account and open an account with this company if look online they have long history of doing this I will not stand by and be taken advantage of our be lied to want to file his complaint and if nothing happens with this Im going to move further with contacting a lawyer Ive had money stolen from the ATM they wont return it there just a bad bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I attempted to open an account by calling Western Unio n in order to link my service provider information for the purpose of bill pay service needed to establish stability and provide assisstance with funding sources due to Covid 19 and severe hardships caused by identity theft of a Trust Beneficiary. 
Western Union refused to open my account by calling, after I explained to them that I am a victim of identity theft and that opening an account online is not an option for me due to the severe hacking of my devices and theft of my financial information in order for perpetrators to gain access and make unauthorized transactions for their own illegal benefit. 
Western Union has rejected all of my attempts to open an account and has not assissted me in opening an account. Even after I have provided them all of my identity verification documents requested by them. 
With an open account Western Union is under obligations to see to it that all transactions are approved and Western Union can be liable if issue at hand is not provided. 
Your assisstance is very much needed in this matter and if needed an investigation of their services. 
This is a severe issue due to severe hardships of Trust Beneficiaries and I would like to resolve this matter at your earliest convenience. I can be reached at XXXX for further discussions and/or information you may need. 
Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling Experian, XXXX, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries 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 explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
Trans union, XXXX, XXXX Has Failed to comply with their own credit company policies in a timely manner.

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 2022-09-11 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account is closed and need to 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 explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Notice to agent is notice to principle, this should serve as a written notice to the Experian that I XXXX XXXX need immediate action taken, and a copy of my consumer report within 7 days. It appears as adverse action has been taken against me, please check the following accounts for 100 % completeness and accuracy so my consumer report is fair and equitable to me : XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts and their history should be removed or reported positive.

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I first closed my account in early 2021 in which they sent me a check for the funds that were in there. The check was for higher amount that most online banks wont take sothe check expired. I have sent the bank my drivers license, social security and a copy of the original check but they still refuse to give me a replacement. That should be more than enough to verify my identity and that the original check was never cashed but i still dont have a replacement

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter dated XX/XX/2022 from Bank of America stating that on XX/XX/2022 it was reported that a fraudulent transaction totaling {$1500.00} from another person ( whom I do not know or ever heard of ) was credited to my account. 

There is no record of this {$1500.00} transaction being credited to my account ( from another person ) on my Bank of America app and there is no further information provided by Bank of America about this transaction. 

The bank then deducted {$1500.00} on XX/XX/2022 from my account. The account had a balance of {$670.00} at the time, which brought the balance to - {$820.00}. The account is now frozen. 

The letter ends with " We apologize for any inconvenient this may have caused. There is nothing you need to do at this time. '' Meanwhile, I have lost {$1500.00} due to a fraudulent transaction and I have received no further information about this from the bank.

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 monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am a XXXX XXXX  who was out of work due to illness. I let this company know and even pushed my payments back. A friend made payments on my behalf that was reversed later down the line. I was not aware of the reversal until weeks later where I proceeded to make a payment to get caught up. This company is reporting that I am 60 Days late on my payment which Can not be accurate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer Navient & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
XXXX XXXX, Equifax, XXXX Has Failed to comply with their own credit company policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IL

Complaint narrative:
XXXX XXXX, XXXX, Experian Has Failed to comply with their own credit company policies in a timely manner.

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 2022-09-11 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: FL

Complaint narrative:
My name is XXXX XXXX. I was checking my credit report on XXXX XXXXXXXX XXXX and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, XXXX, and Transunion and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries 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
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, Equifax, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2022-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.

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 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is a Everyday call.They have been told to cease and desist any further contact with me. This account is over 25 years old that they are harassing me over. This Portfolio Collection They call Everyday any were from XXXX til XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I filed a complaint to Cash App regarding fraudulent Transactions. I tried disputing 4 transactions, but it only allowed me to do 2. 
The 2 transactions that I disputed were one in the amount of {$110.00} and the other in the amount of {$170.00}. These disputes were denied by Cash-App. I tried requesting a refund from the person the money was sent to and she denied them. 

I called Cash-App costumer service line on XX/XX/2022 to get more assistance. The agent I spoke to informed me that there was nothing that could be done by them and that the only way for me to get my money back was if I filed a dispute with my financial institution. I did exactly that. I filed a dispute on XX/XX/2022 with my bank and they were able research and get my money back. They also closed my old card. 

On XX/XX/2022 I had a balance of {$140.00} in my cash balance account and I noticed that cash app recharged me the {$110.00} and the {$170.00} that I previously disputed which now puts me at a balance of - {$140.00}. When I asked about why I am being charged I was told that it was because I disputed them. 

I am not understanding why I am being recharged for a dispute Cash App was not able to assist with in the first place? 
I really need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : Experian : 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 2022-09-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX, XXXX, Bankruptcy, XXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to 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