vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: MD

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. 

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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I deposited a check wrote to myself from my XXXX business account into my Navy Federal Credit Union personal account via ATM machine on XXXX XXXX. in XXXX  XXXX, XXXX On the line I wrote out {$7000.00} but, in the box, I wrote {$1700.00}. XXXX flagged the check and asked me to call them once I was made aware of the error XXXX advised that they go by what is written on the line so they will go ahead and process the check and release the funds. I spoke to NFCU and they advised the check would be on hold for 5 business days to ensure the funds cleared. After 5 days they advised the check was on a permanent hold until XXXX provided a letter stating the check is indeed valid. I reached out to XXXX via phone and in person and was told they do not write letters that the funds were release to NFCU on XX/XX/XXXX so they are not sure why they are holding the funds, but they can do a bank-to-bank verification NFCU would just need to reach out to them. NFCU stated they would reach out, but it would take 30 days that I would need to call back in 2 business days to see if the case had been assigned to an officer. I called NFCU back 3 business days later they advised they not sure why I was told that, but the check is on a permanent hold until XXXX provides the letter and they would not be reaching out to XXXX. I am filing a complaint because I have provided everything to prove I am the sole owner of the business account and bank account. XXXX has made the funds available and NFCU is asking me to provide a letter the issuing bank is stating they do not provide so I don't understand why they are still holding the funds and are stating the funds are on a permanent hold. I don't understand how a bank can hold your funds and tell you they are on a permanent hold to not be released but not send the money back to the issuing bank. They will not offer any help each time I call the next CSR agent tells me to do something different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I resided at XXXX XXXX with XXXX XXXX in XXXX FL, from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX I signed a roommate release and was officially released from the lease in XXXX of XXXX and XXXX was left as the sole renter of the property. When the lease was up for renewal in XX/XX/XXXX XXXX signed a month to month lease with the property that was terminated in XX/XX/XXXX. 

When XXXX left the property, the XXXX  XXXX balance that he owed was sent to collections and added to both of our credits. I submitted the necessary information to begin a dispute process to get this removed from my credit as it was not my balance to begin with. Eventually the collection was removed from my credit and I thought everything was well. 

On XX/XX/XXXX I applied to rent an apartment with my XXXX  and our application came back denied due to the balance that was still on my account from XXXX XXXX. We knew that the balance was not mine but we could not find any proof of me being released from the lease nor could XXXX XXXX  find the signed roommate release. We decided to pay the balance of XXXX  XXXX on XX/XX/XXXX, in order to expedite our process with renting this new property as we were on the verge of homelessness. On XX/XX/XXXX, we found a document that was proof of my name not being on the lease at the time. We reached out to XXXX XXXX, and on XX/XX/XXXX, they provided us with a document stating my dates of residence and that I do not owe a balance. 

I reached out to IQ Data Inc to explain the situation and request a refund. On my first conversation with them I was told that I needed to contact the rental company so that they can release me from the debt and a refund would be received within 14 business days. I called XXXX XXXX  and they explained that they do not have the ability to do that once the debt has been sent to collection.

I called IQ Data Inc again and this time they said I need to email their dispute team with my evidence and I will hear a response within two weeks. My wife sent an email on my behalf on XX/XX/XXXX with the necessary information. After both hearing anything back for two weeks I called again and was told that it could take up to 60  days for the dispute to be processed. On XX/XX/XXXX I called again and was told that the dispute was received but it have not started the investigation. I asked for a timeframe and I was told it will happen when it happens.

I have not heard back from IQ Data since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Openonline, LLC
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BEACON FINANCIAL CORPORATION
State: VT

Complaint narrative:
On XX/XX/2024 I attempted to place a web order for items totaling {$150.00}. I had more than sufficient funds to cover the transaction. The website returned an error indicating that the server rejected the transaction and suggesting to try again. I attempted the transaction again with the same result. My account reflects transactions of {$990.00} and {$150.00}, the first amount is incorrect as at no point did I attempt to purchase items totaling that amount, these transactions seem to have been " held '' so as to maximize overdraft fees, and the credits for the failed transactions were withheld. Furthermore, when opening the account I recall specifically choosing to not opt into overdraft protection or coverage. This institution told me through the hotline that all accounts are automatically opted in.

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 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have an account with Marcus and transferred money into that account on XX/XX/XXXX via a bank to bank transfer. I attempted to transfer a portion back to my XXXX checking account on the XXXX and was told there was a hold on those funds until the XXXX. I asked for written documentation and was not provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime institution keeps denying my claim for the amount {$990.00} and they have proof that I had no knowledge of a transaction that occurred on XXXX XXXX for the amount of {$990.00}. I sent them XXXX XXXX statements directly from XXXX & even a message where I replied 'no ' when asked if I was the XXXX trying to make the transaction and somehow it still went through ( not on my wallet, someone used my debit card info and took money ) so I proceeded to provide them statements from my XXXX XXXX because that's what I was asked for so I contacted XXXX and got them the documents and it clearly shows that those transactions do not show up on my account. Somehow I keep getting denied with all then proof in the world. I've had my chime account open for months but never used it and they now just told me that there was plenty of failed transactions for XXXX when I was not active so I don't know what other pro they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX XXXX  who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: LEXISNEXIS
State: IL

Complaint narrative:
I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX nexis who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NC

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. 

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 2024-01-20 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: NC

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. 

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 explanation
Consumer complaint received 2024-01-20 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: DISCOVER BANK
State: MI

Complaint narrative:
I disputed a transaction in the amount of {$90.00} for a transaction occuring on XX/XX/24 for services not rendered. On XX/XX/24, Discover stated " since the services were recieved XXXX XXXX XXXX this charge can not be disputed. '' Pursuant to the Fair Credit Billing Act, I requested " copies of documentary evidence of the obligor 's indebtedness. '' They refused to provide the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery will not provide the original contract. They send fictitious bills with random amounts. I have several screenshots of error messages on their website when I am trying to see this account. I have sent several emails without a response. I would have no problem paying them if I owed like I did on XXXX previous accounts but this one I do not owe. Also, I have screenshots showing no debt owed from PRA website during the time that they are stating I owe. How are they substantiating the debt if currently I can not access said account of an error and previously it said I didnt owe. CFPB please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, a representative of XXXX and XXXX had contacted me to resolve a debt I did not recognize. I had asked them to send over any documentation that they have on this matter, including any agreements with a wet signature to prove that this was an actual account, since I did not recognize, or have any knowledge. They said they would send it via email which I was not comfortable with. I asked for it to be sent via certified mail so that I can ensure everything was accurate. They had failed to do so and on XX/XX/XXXX, I had received another email with PDF attachments of invoices and work to be a contract agreement, but with no signature pages. Nothing that could help me verify that this is a legitimate account or to verify that my signature was there. Not to mention they did not send it via certified mail. I told them that since they did not provide the documentation I requested, that this debt was considered no void per the fair credit reporting act because they could not provide the proper documentation to verify that this is a legitimate debt and did not do so within a XXXX  day timeframe. Then they proceeded to threaten to sue me because I wouldnt pay them, where I wasnt provided with the proper documentation to verify the legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I received a statement from Concora Credit, formerly Genisis Credit regarding my Destiny and Indigo Mastercards. This information advised me of a fee being added onto the card. I called Concora to discuss and they advised me it was a subscription. These are credit cards not subscriptions. Then I was told it was a reactivation fee. Again they are credit cards so they do not get reactivated. Finally I was told they were membership fees. Typically with memberships, there are benefits for the consumer. The two representatives could not give me one membership benefit to the membership for a credit card. They said the fee gives me access to now 29.9 % credit cards. I requested closing of the accounts only if they could provide credit deletion to not further harm my credit as they have already. This is robbery and taking advantage of people during a vulnerable time of inflation and a crashing economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation