vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: IL

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I disputed unverified, unauthorized, and fraud related inquiries listed on my Transunion credit report. The inquiries are in violation of 15 USC 1681b permissible. I did not give permission for the following creditors to pull my credit report : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I have sent letters several times to Transunion to dispute the unauthorized inquiries and as of today XX/XX/2023, the unauthorized inquiries are still on 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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am a mother of XXXX boys and a widow these past few days has been so upsetting due to the fact that Chime has suspended my account and will not give me my funds I have sent over 200 emails with all of my personal information and they keep requesting the same thing over and over I have been reading up on Chime and I see theres an open investigation with them because theres others complaining how there accounts are being suspended and they never get there money I have saved documentation on everything that was requested all the emails and call logs it really broke me down yesterday when I had to withdraw from my class because I cant make payment for my class and pay for my books I stated that and I heard agents in the back laughing while Im crying because my education has come to a hold they keep asking for my XXXX tax return and I keep stating in every email request that I have not done my XXXX Taxes yet that I am just now doing my XXXX Tax refund because my husband passed that year and I was grieving I submitted my XXXX transcript that I received from the IRS that shows and support my money that was deposited into my Chime account last Friday I have spoken to supervisors and they have looked at all of my paperwork and agreed that I have done and submitted everything that was needed and they dont understand why they are doing this they keep requesting my XXXX tax refund information and I keep telling them thats not for XXXX thats for XXXX that I just filed this year my XXXX I submitted my 1040 my transcripts and other documents from the irs I have also submitted my identity as in id card my social security card and they still dont want to give me my money so i called and wanted to get an update and this lady tells me there not going to give me my money that was deposited until I do my XXXX taxes and Im like Ive submitted everything g to hat was needed to show where my money came from for my XXXX tax return that was deposited last Friday please help me its like Chime representatives do not care and actually do take people hard earned money I had to withdraw from XXXX school until Im able to pay for fees and books I have kids y to hat I cant provide for I never thought they would do this I have all my documents emails phone logs and more of what and how they been handling this situation which is not right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers 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 2023-09-06 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: FL

Complaint narrative:
XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
Experian, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers 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 2023-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to NetCredit. NetCredit accepted my credit application and personal information but in turn sent me an an adverse action letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX, XXXX XXXX XXXX XXXX, XXXX. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to NetCredit and they denied me access to my federally governed right to credit as the consumer in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: DC

Complaint narrative:
I am writing to report an issue with Equifax, XXXX XXXX and XXXX regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from Equifax, XXXX XXXX and XXXX. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX  and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with Equifax, XXXX XXXX and XXXX, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from Equifax in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: OH

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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:
Transunion Information Services has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by 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 non-monetary relief
Consumer complaint received 2023-09-06 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: Kriya Capital, LLC
State: PA

Complaint narrative:
I am writing to file a complaint to CREDENCE RM regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: OH

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I received a call last week about a medical debt of {$200.00}. I informed the rep that I had not received any statements or bills from GLA. When they confirmed my address it was missing the last number. I provided them with my correct address and advised that I would like to receive the statement by mail. I still have not received the statement. I also let them know that I lost my job in XX/XX/2023 and could not pay anything at this time. I also let them know that the bill is fraudulent because the hospital wheeled me outside and refused to provide me service. This was during the height of covid and they were placing patients outside and never came back to provide care. 

I received another call today. The rep was rude, mimicked me, and talked over me and would not confirm if they sent out a statement with the debt. I asked to speak to a supervisor who said her name is XXXX XXXX The supervisor, refused to send me a statement and told me that they had the correct address. When I tried to explain that I had corrected the address last week, and requested that she send me a statement, she refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
I took out a title loan and have had issues paying it back, one just the economy but also the main issue is that they keep removing the ability to pay online. When I called and talked to a representative I asked about this and she said based on the account depends on the payment options offered to the customer. So they are intentionally making it hard to pay this load. On top of that they have not sent the payoff amount that I asked to be put in a letter for the payoff to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian does not provide an obvious option to freeze your credit. I linked through the NCDOJ.gov link to the site, where I had to verify my account. When I was logged in, it took me to the main screen, not the linked credit freeze screen. the only displayed option was a credit LOCK, which is a premium service apparently. It prompted me that I " can not lock my account without upgrading '' so I thought lock & freeze were the same and needed to upgrade. It was a {$0.00} fee initially but was not incredibly clear on the monthly price after a trial period. I then felt weird and researched that credit freezes are required by law to be free. So I clicked the link from NCDOJ.gov again and got to the credit freeze page. They are clearly obscuring the credit freeze option to make people think they need to upgrade for a credit " lock '' and putting you into an auto-renew monthly service with them. So unsophisticated consumers ( or those moving quickly to lock their accounts after an identity theft experience ) may think they have to pay for the protection they were seeking, but instead they are paying for a slightly different ( and possibly less protective ) service rather than receiving the service the law requires Experian to provide for free. 

Both of the other agencies offered clear, easy access to both the credit freeze and the fraud reporting with no attempt to upsell. Incredibly deceptive from Experian, especially if you are moving quickly to try to prevent fraud and miss a couple of details in the process. I'm a sophisticated consumer and XXXX XXXX so I had the tools to realize something was off before it cost me money and immediate access to a credit freeze, but not everyone would.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I got an email this morning at XXXX XXXX from Citizens bank saying I opened an account and deposited 1 dollar into it. I have opened any new checking accounts recently so I am unsure how this got opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: CT

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. 

has violated my rights. Or list of inquiries 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 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Three times I have received a call from XXXX XXXX XXXX about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a criminal if they file a civil case, that I will have to way to support my kids because I will be a criminal.

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 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I sent the money on XX/XX/2023 and arrive to the recipient 's bank account on XX/XX/2023 in the amount of {$400.00}. I Sent it using remitely app. However, when I asked the recipient to check his account he said he doesn't see any deposite in his account. The remitely asked for bank statements history and i provided that. I also asked the remitely company to solve this issue and nothing was done. I've asked them to talk with XXXX XXXX which they confirm that the money was deposited to the recipient 's bank account and when he went to ask his bank provider, they said there was no money deposited in his bank. 
Thus, I need your help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/2023, I realized that I had some unauthorized pending charges on my Chime checkings account from a vendor called XXXX. Those pending charges amounted to {$590.00} total. In looking further, going back to XXXX of 2023, I realized there were even more unauthorized charges from that same vendor totaling around {$470.00}. I proceeded to open a dispute on all charges on XX/XX/2023. On the morning of XX/XX/2023, I was provided an email stating my dispute was complete and that Chime found that none of the transactions were in error and that I would not be receiving any credit for them. No additional information was provided. No details on how they came to there determination at all. I have called and complained. They claim that my dispute is being reopened, but it is still not reopened from what I can see in my Chime application.

Company response to consumer: Closed with explanation