vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX . I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX has been in response to this complaint as of XX/XX/XXXX. The time to conduct a reasonable reinvestigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of Early Warning Services and XXXX XXXX XXXX XXXX. Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On or about Saturday, XXXX XXXX XXXX I went to the XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, to purchase a new vehicle. I was interested in getting the XXXX XXXX, XXXX XXXX XXXXXXXX, but I was informed by XXXX that the passenger door window was damaged and needed to be replaced. I placed a {$500.00} deposit to hold the vehicle until the repair was completed, at which point I would purchase the vehicle. On Tuesday, XX/XX/scrub>XXXX XXXX XXXX I traded in my XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and received {$7000.00} towards my purchase of the said XXXX. I used the trade-in value, along with my {$500.00} deposit, as a down payment towards the said XXXX on XX/XX/scrub>XXXX XXXX XXXX 

On or about Sunday, XX/XX/scrub>XXXX XXXX XXXX I was coming back from work around XXXX XXXX I parked the said XXXX on XXXX XXXX that day. It was raining. The next day, Monday, XX/XX/scrub>XXXX XXXX XXXX  I walked to the said XXXX vehicle around XXXX XXXX XXXX XXXX to the gym when I noticed that the speakers were not working. The area around the passenger was flooded where the passenger door window was fixed by the XXXX dealership, with water running to the back seat behind the passenger. The engine was not wet. Only the passenger side was flooded with water, and the trunk was slightly damp. That day, the vehicle was towed to the XXXX XXXX XXXX to determine the source of the water intrusion. I was then told to wait 2 days for the report as XXXX XXXX XXXX informed me that they were gon na provide a report of the water intrusion. However, I never received the report. On Wednesday, XX/XX/scrub>XXXX XXXX XXXX I went to where I purchased the vehicle at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, to break the contract. XXXX XXXX, XXXX XXXX, stated that the contract can not be broken. However, after showing the XXXX XXXX, XXXX XXXX, the videos and photos, he went to the his office to later inform me that the car was a total loss. He advised to file a claim with my insurance. I filed the claim on Wednesday, XXXX XXXX XXXXXX/XX/year>. After speaking with my claims resolution XXXX, I was informed that XXXX reported the vehicle had been submerged in water. This is not the case. I asked my insurance company, XXXX, for evidence of the water intrusion that XXXX provided, but XXXX only provided more photos of the vehicle with all the windows fogged up. However, there was no report. I was unable to get a second opinion to test the vehicle myself, as I trusted my insurance company to find the source. 

I have more photos and email exchanges but I can not upload due to the files being too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX , and a copy of the 1099-C form. Navy Federal Credit Union, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. As of XX/XX/XXXX, Navy Federal Credit Union has been in response to this complaint as of XX/XX/XXXX. The time to conduct a reasonable reinvestigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of XXXX XXXX XXXX and Navy Federal Credit Union. Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I sparingly use this service ( Venmo ) and its associated debit card for payments between me and my close people. So there often is a balance lesser than {$50.00} I used the card via XXXX XXXX to pay for a drink out of a vending machine, and the drink was more than what was authorized, as well as more than what remained in the account by XXXX XXXX 

Being an overdraft, they have frozen my account, and its been nearly a week. 
Since the overdraft, I have received payments on this app, in no relation to the overdraft whatsoever and I later expected that it would cover the {$0.00} overage easily and simply, but I was far wrong. 

They will not allow me to use any form of bank that I have to pay for it, and using a debit card ( as they suggested to expedite the situation ) still leaves me without my money for another week. 

I can not access my money, nor am I able to close this account, which Im concerned leaves my security at risk. 

I no longer agree to the terms and conditions and wish to settle the XXXX XXXX overdraft with the other {$25.00} that should be on the same account then close the account. 

This is a dystopian overreach for a financial conglomerate, in my opinion. I just want my {$24.00} and to close the account. 

Its on there. It literally says it. Why is payment from ANOTHER account required if I already have money IN the account thats frozen. And for that matter, whys it even frozen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXXXXXX Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXXXXXX XXXX XXXXXXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. 

Furthermore, XXXX XXXX XXXX XXXX. has taken over ( XXXX ) days allowed to conduct a reasonable reinvestigation as to whether the information is accurate and correct. CFPB complaints were submitted to XXXX XXXX XXXX and XXXX XXXX regarding this matter, CFPB case numbers : XXXX XXXX As of XXXXXX/XX/XXXX, the time to conduct a reasonable investigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of Early Warning Services and XXXX XXXX XXXX XXXX XXXX Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. Wells Fargo Bank, N.A., is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. 

Furthermore, Wells Fargo Bank , N.A . has taken over ( XXXX ) days allowed to conduct a reasonable reinvestigation as to whether the information is accurate and correct. CFPB complaints were submitted to XXXX XXXX XXXX and Wells Fargo regarding this matter, CFPB case numbers : XXXX XXXX As of XXXXXX/XX/XXXX, the time to conduct a reasonable investigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of XXXX XXXX XXXX and Wells Fargo Bank , N.A . Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).

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 2024-08-28 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: PA

Complaint narrative:
This morning has left me both disappointed and confused as I noticed unauthorized inquiries on my credit report, with no clear reason for their presence. I checked my report as I normally do, but this time there were discrepancies that I couldnt explain. Even after refreshing my browser, nothing changed. Im asking for a detailed review of the documents Ive sent so I can stop worrying about this.

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 2024-08-28 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:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-08-28 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: MD

Complaint narrative:
I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. I have tried to contact Transunion on several occasions but, they are not responding with adequate results. 

Details of unauthorized inquiries : XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX  XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX - XXXX XXXX I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. I kindly request Tranunion to promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. 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. 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 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am writing to request your assistance regarding an issue Ive encountered with Sequium, a debt collection agency. Recently, while working with a mortgage company, I discovered that I had an outstanding debt with XXXX XXXX that had been sent to collections with Sequium. 

On XXXX I immediately called Sequium to resolve the debt and paid the full amount over the phone at XXXXXXXX XXXX. The call lasted XXXX minutes. However, I did not receive a receipt via email as promised. 

Today, I made several follow-up calls to Sequium to obtain proof of payment : At XXXX XXXX  for XXXX minutes At XXXX XXXX for XXXX minutes At XXXX XXXX  for XXXX minutes The highest-ranking individual I was able to reach was XXXXXXXX XXXX, a Collection Manager for XXXX at Sequium. During our conversation, I expressed concern that my consumer rights might be violated due to their failure to provide a receipt, to which XXXX XXXX responded, you do what you need to do. 

Additionally, I sent an email at XXXXXXXX XXXX  requesting proof of payment, but I have not received any documentation. Despite the payment being debited from my account, I still have no official proof of payment. 

I believe I am entitled to receive confirmation of my payment. I would appreciate your guidance on how to proceed and whether Sequium is required by law to provide me with proof of my payment. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ON XX/XX/XXXX I RECEIVED MY CREDIT REPORT.ON XX/XX/year> I SENT AND COPY OF MY BANK STATEMENT AND GOVERNMENT ID.SHOWING my NEW ADDRESS AND STATING THAT I ONLY WA

NT ONE ADDRESS ON PROFILE. YET YOU CAN NOT FOLLOW SIMPLE INSTRUCTIONS. REMOVE ALL OLD ADDRESSES, AND PHONE NUMBER, AND EMAIL ADDRESS AND JOB 'S. ONLY ONE ADDRESS AND YOU HAVE INACCURATE INFORM
ATION ON MY CREDIT REPORT. THAT'S A VIOLATION FALSE MISLEADING. THE ADDRESS U HAVE IS INACCURATE AND ITS CAUSING AN NON VERIFICATION LOCK ON MY ACCOUNT, WHEN I TRIED TO LOGIN IN OR VERIFY MYSELF.

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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
I live in XXXX and have a checking and savings account with Alliant Credit Union located in XXXX 

Even though XXXX  is a XXXX XXXX, Alliant has allowed a collection agency in XXXX to levy my bank account. I have been advised that they should not have allowed this per XXXX XXXXXXXX ( a ). 

I would greatly appreciate assistance with this issue. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/year>, XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,

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