vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
1. Federal Student Aid has had 2 of my applications " In Review '' for months causing issues with my servicer and next steps. I need these to be " Completed ''.

2. One of my servicers, Nelnet, has not given a deferment or grace period for the loan consolidation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I initiated a wire transfer from my discover bank account to a XXXX  XXXX XXXX account at around XXXX XXXX  on XXXX  XX/XX/year> it has now been XXXX hours and my funds can not be located. Discover will not provide me with any information of where they are

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
From the time I stepped in this bank .This bank was operating in bad faith They contracted with a ALL CAPS NAME and basically used that name against me and tried to make me liable for this account.I opened up my account for me the NATURAL LIVING PERSON so I could benefit from it.And from day one I was lied toThis company in fact privatized my information and used it against myself and when I reported this bank they closed the account and ran off with my PRIVATE INFORMATIONNow they have fraudulent information on my credit report stating I owe them STANDY BY CASH THAT I IN FACT ASKED THEM to verify and they have not yet verified it.I asked to validate any debt because and the debt dont matter to me because Im not a CITIZEN OF THE UNITED STATES.So if they have a debt take it up with the federal corporation not me8 usc 1408 and they yet to do that .I want all 3 Security agreements/applications back since they didnt operate in good faith.!!!! I want the application back from that {$3000.00} loan stop I AM NOT THIS ALL CAPS NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filling this complaint because I believe my rights are being violated under The Fair Credit Reporting Act section 611. 
On XX/XX/XXXX, I disputed a collection reported by XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Transunion replied that the collection was verified. On XX/XX/XXXX, I sent them a certified letter with return receipt requesting that they provide how they validated the debt, when that agency has not validated the debt with me. Transunion received my certified letter on XX/XX/XXXX. I still do not have response.

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 2024-05-15 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: TX

Complaint narrative:
My name is XXXX XXXX. Transunion credit bureau is reporting information on my credit report that is false. I have proof that these are false. The 3 major bureaus are all report different information on the listed accounts. I have tried to get Transunion, online, to request information and original documents from the companies and I have not received anything. They just say " Its verified '' but do not provide lawful proof. I have sent requested letter certified and still get the same response. I want proof that the companies that are reporting information about me to Transunion are actual document holders with my signature and that all information reported is accurate and correct. If they can not provide proof then it could be just anyone saying anything they want about me with vindictive motives and that information needs to be removed immediately. 1st time asking for information was online on XXXX 2nd time requesting information was online on XXXX 3rd time was via certified mail on XXXX. They still have not provided any proof except to say " Accounts Verified as Accurate ''. This is keeping me from acquiring future credit at reasonable rates. 
The accounts are listed in the letters I am attaching along with proof of being sent certified mail.

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 2024-05-15 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-15 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-15 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-15 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Banks and other providers are able to tell you your transfer is free, has a low upfront fee or is 0 % commission. In reality, they hide the real cost in inflated exchange rates. Thats when your provider adds a markup to the mid-market rate youd see on XXXX, giving you a worse deal. Those hidden fees are costing us all a fortune. In 2024, were expected to lose over XXXX XXXX in inflated exchange rates. Please make these providers stop this dishonest practice, and hold banks and other providers accountable.

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 2024-05-15 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: TX

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal banned my account even though I explained every transaction that it came from my online service fee. I did graphic designs online, sell load credits and exchange payment tru paypal. 

I have no disputes and actually my paypal was created in XXXX. And they just banned it this year XXXX. 

I need this paypal account since this is where my income goes. 

Please help me recover my paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
First, the doors started opening by themselves in XX/XX/XXXX two weeks after I brought it home, I still had paper work for the truck in the vehicle, it was stolen I couldn't get no tags. I supposedly Traded my XXXX XXXX for this truck they took the tags off the XXXX and put them on the truck. I financed two vehicles one was for my momma it was quitting while turning almost had bad accidents. 

Then, the vehicle had a bad oil leak on or about XX/XX/XXXX. I took it to the shop they told somebody unscrewed the oil filter. It was during covid so I thought I was experiencing symptoms after turning on the A/C. Something foreign was coming from the vents. 

In XXXX I called the bank told them I don't like the truck it's giving me trouble. 
They told me that the deal was done. I was making payments up to XXXX of XXXX, the billing was incorrect it's still incorrect. I lost out on my XXXX XXXX XXXX and about 8 months worth of truck payments for {$900.00} a month. I was scam by both the bank and the car company I have kids we all was sick and confused from that truck. I will not do business with this company again, I had no warning of the bad business tactics that was being played out on me. I'm tired of being ripped off with my hard earned money, I feel like I was targeted. I took the other back and tried to leave it cause they couldn't fix it. It was dangerous for my mother to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was NEVER given a Deposit Account Agreement during account opening. The Deposit Account Agreement was never gone over with me. The Banker said the XXXX branch ran out and they needed to borrow some from the neighboring branch. US Bank doesnt give out account deposit agreements during account opening. US Bank please show me proof that I received one? Also please show me proof it was gone over in full to understand my rights? Yes I signed for a new account but not acknowledging what I received? US Bank just recently sent me one via email for the first time once US Bank committed a federal regulation error.

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 2024-05-15 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: OH

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Upon purchasing furniture with Raymour and Flanigan, I was told and provided paper work that clearly stated the purchase ( made on XX/XX/XXXX ) was no pay, no interest for one year. They sold the account to TD Bank and it was reported as a charge off I believe in XXXX of XXXX. I did not get an alert until I attempted to get a XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc bank has denied 3 of my disputes I submitted in relation to an authorized charge for XXXX $ I have reported this dispute 3 times it has been denied the reason for denial is because I did XXXX XXXX XXXX transactions which physical card is not needed for XXXX party transactions. They havent even tried to conductive any research just denies the authorized transaction within a day of me submitting it no temporary credits anything I have been banking with them for over a year I feel like an outsider the way I have been treated by this bank no one will help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation