vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
Please see supporting documents for my dispute.

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 2024-06-28 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-28 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
XXXX XXXX - Went to Wells Fargo on XXXX XXXX, XXXX XXXX to do a cash advance / money transfer from my international card ( which was loaded with {$6500.00} directly into my Wells Fargo account ). The teller did not know how to do the transaction and essentially messed up the transaction ; she inserted the incorrect address and also did not know how to process a visa. She was eventually assisted by a service manager, but by then the transaction had already been messed up. 
This same transaction had been done twice before, successfully, by 2 other tellers in the same branch. In the process, my money was taken but he bank from my international card to Wells Fargo.

My bank has proof that the transaction went through, that the money was taken from my card and is with Wells Fargo. The money should have cleared immediately, alternatively by XXXX XXXX. IT DID NOT! 
I have lodged a complaint with the Escalated Resolution Office on XXXX XXXX. I am yet to hear back from them when my money will be returned. Complaint Ref : XXXX. 
This is a huge problem for me as I can not continue with my travel plans until I get my money back. 

Information from my bank in XXXX XXXX is as follows : Cash withdrawal of USD XXXX XXXX was debited by Wells Fargo on the XX/XX/year>, now pending settlement with the merchants bank hence the transaction is not reflecting on Money App under transaction listing. 

XXXX DATE POST DATE CUR AMOUNT DESCRIPTION XX/XX/year> XX/XX/year> USD XXXX WELLS FARGO XXXX # XXXX XX/XX/year> XX/XX/year> USD XXXX FUNDS LOADED ONTO CARD

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 2024-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Byrider Franchising, LLC
State: ID

Complaint narrative:
I used to work for this company, they require absurdly high payment be made biweekly. I got sick and went on XXXX and have to request or be late on a few payments. The most was 12 days, I believe. This company doesnt repossess someone who communicates with them, nor is it legal to threaten repossession on a voicemail when the account is only 3 days late. 
Ive requested and offered numerous payment plans only to consistently be met with aggression and threats. 
They continue to threaten to repossess my car, saying theyve been so gracious when all I ever receive are nasty text messages and voicemails when the account is less than a week past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under XXXX5 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - Account NumberXXXX List of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/year> I reported my NetSpend XXXX card stolen because my wallet had been stolen at the waterpark, they sent me a new card but I also sent the a written dispute letter with XXXX business days. While waiting they closed my account so when I went to activate my new card they said I was banned from NetSpend and there was money still left in my account and the total stolen is {$3800.00} and now they locked my account to where I can't see all merchants or anything won't activate my new card they sent Everytime I have called I get hung up on and I emailed them my police report along with all documents needed the next day and it's almost been 2 months and I still haven't received anything

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 2024-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
Excessive Interest Rate : I took out a loan with Three Sticks Lending and have discovered that the interest rate applied to my loan is 472 %. This rate is excessively high and falls far beyond what I believe to be fair or reasonable for a consumer loan. Such an exorbitant rate imposes an undue financial burden on me and raises serious concerns about the lending practices of Three Sticks Lending. 

Unauthorized Withdrawal : Additionally, on XX/XX/year>, an amount of {$400.00} was withdrawn from my account by Three Sticks Lending without my explicit consent. This withdrawal was unexpected and has caused significant financial inconvenience.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Bank of America ( BANA ) regarding their recent actions involving my longtime checking account. The abrupt closure of my account and the withholding of my funds have left me in an untenable financial situation that is putting my housing at risk. 


**Closure of Account** : - On XX/XX/2024, BANA closed my checking account without prior notice or legitimate cause. 
- I received a notification stating I would only regain access to my funds, amounting to my life savings, 45 days from the date of closure, specifically after XX/XX/2024. 

**Impact of BANA 's Actions** : - **Imminent Financial Crisis*XXXX : My rent is due imminently, and without access to my funds, I am unable to meet this critical obligation. 
- **Risk of Eviction** : The potential for eviction due to non-payment of rent is very real, threatening my housing stability and overall well-being. 
- **Further Hardship** : Beyond rent, I am unable to meet everyday expenses, including utilities, groceries, and other essential monthly obligations and can not feed my XXXX young children. 



I appreciate your immediate attention to this extremely pressing matter. Please contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2024-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see supporting documents for my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
Please see supporting documents for my dispute.

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 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX  LLC HAS CONTACTED ME YET AGAIN ON XX/XX/XXXX VIOLATING MY CONSUMER RIGHTS YET AGAIN NOT ABIDING BY FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 10 ROBO CALLS WITHIN XXXX HOUR AT XXXX XXXX XXXX XXXX IDENTIFYING THAT THIS XXXX XXXX  TRYING TO COLLECT A DEBT THAT YOU OWE. XXXX REPEATED LIVE CALLS FROM SOMEONE AT XXXX XXXX TIME FROM RESURGENT CAPITAL SAYING THIS IS AN ATTEMPT TO COLLECT A DEBT " THE COLLECTOR SAID TO ME ON THE PHONE THIS IS XXXX I WORK FOR XXXX HERE AT RESURGENT CAPITAL YOU XXXX  DEBT BEAT PAY, PAY WHAT YOU OWE US, YOU XXXX DEBT BEAT. i TOLD THE COLLECTOR THAT THEY ARE VIOLATING THE CEASE AND DESIST DEMAND REQUEST NOT TO CONTACT ME ABOUT ANY DEBT. THE COLLECTOR SAID TO ME THAT THEY CAN VIOLATE ME ANYTIME AND THAT THE FDCPA DOES NOT APPLY TO THEM BECAUSE THEY ARE UNTOUCHABLE. XXXX THE DEBT COLLECTOR FOR XXXX XXXX XXXX CAPITAL SAID BEFORE I HUNG UP THE CALL YOU XXXX DEBT BEAT, YOU XXXX DEBT BEAT.. I'M HORRIFIED AT THE WAY THIS DEBT COLLECTOR IS GOING ABOVE THE LAW. i ALSO NOTICED THAT LVNV FUNDING HAS ADMITTED IN WRITING TO YOU XXXX. THAT THEY CLEARLY VIOLATED THE CEASE AND DESIST DEMAND LETTER i REFUSE TO PAY TO STOP CONTACTING ME ABOUT THIS DEBT i REFUSE TO PAY THAT WAS SENT IN WRITING ON XX/XX/XXXX, XXXX XXXX LLC HAS ADMITTED IN THEIR OWN LETTER /DOCUMENT DATED XX/XX/XXXX THAT THEY SENT BILLING STATEMENTS TO ME ABOUT A DEBT. AFTER A DEMAND LETTER TO CEASE AND DESIST FROM CONTACTING ME ABOUT THIS DEBT/I REFUSE TO PAY WAS SENT IN WRITING DATED XX/XX/XXXX OF XXXX. VIOLATION OF FDCPA 15 USC 1692C- ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-28 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc.
State: IN

Complaint narrative:
When I opened the account online I opened a savings as well online. At the time you could use the ATM to withdraw from both accounts. However when I went to withdraw from it it declined it and tell me that action can't be done. I call them and they explain that I have to transfer it to checking and the only way to do that on through there online website. Which I don't have any because my phone is hacked and keeps getting hacked I can't have the app on my phone. So my money is stuck in savings. 

Then I try to make online purchases it declined it I call and they tell me I have to open a virtual card to be able to make online purchases yet they charge my account for online purchases. But I can't use my actual card and I've never opened a virtual card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MD

Complaint narrative:
I submitted wrong info for XXXX XXXX XXXX Im submitting correct infoI have attached a statement showing I have reached and disputed this months ago and they didnt do anythingLegally they are not properly verifying the incorrect and inaccurate info on my XXXX credit reporting agenciesThey never got me the info I requested.So they could properly verify the 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dates between XXXX WellsFargo mishandled my personal information and over charged over draft fees! Im due a payout! Provide my birthday XX/XX/year> Last XXXX of social security number XXXX to look up my 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 2024-06-28 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: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-28 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: PA

Complaint narrative:
These are not my accounts. I have no knowledge of this account. 15 USC 1681b

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