vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate things on my credit report. In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I practiced my right to challenge questionable information that I have found on my personal credit report. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be XXXX promptly. I demand these accounts to be corrected/updated and the payment history as PAID, NEVER LATE immediately before legal action is taken due to the stress you caused 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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABILITY RECOVERY SERVICE shows last reported reported date of XX/XX/XXXX with a balance owed of {$760.00}, shows as open balance. XXXX XXXX BANK XXXX Original creditor shows the last activity on this account as XX/XX/XXXX. This is not a valid debt. I never had an account with XXXX XXXX XXXX and this account has never showed on my credit report before this month.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several Hard Inquiries listed on my report that do not belong to me XXXX, XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I am in the process of buying a new house. On XX/XX/22, a hard pull was done to see my updated credit reports. Since then, my phone has been ringing every 10-15 minutes from various mortgage companies with " better offers ''. I have asked them to stop calling. I am already working with a mortgage broker. I have found out that, when there is a " hard '' pull on credit, that the credit bureaus have " trigger '' calls with mortgage companies. THIS IS WRONG!!! This is giving my information without my specific consent and triggers a huge invasion of my privacy. I have disconnected all my phones. 
My mortgage broker has told me that there are lawsuits against the credit bureaus for this. 
Something must be done to stop 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 2022-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
Purchased a XXXX XXXX XXXX from Jd Byrider XXXX Tn XXXX XXXX after financings Car need work traveling 4 hours away from home .. called Monday morning to complain about problems.. 
Warrenty dept paid for an oxygen only.. 
Car need extensive work underneath they denied the patent to work on it.. 
No place close to home to repair car.. 
Pretty much brought a lemon car.. 
Entire undercarriage rusted out and fell off the car.. I could have lost my life.. 
I asked them to fix the car they stated they need payment first.. 
Lost my job because of no transportation. 
I called finance company letting them know where the car was I told Ill be sued for the balance..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I bought this item from XXXX on XX/XX/XXXX of XXXX. Hi returned item on XX/XX/XXXX by mail which they confirm they have received. For some reason I couldnt go back to store. Since then citizens pay or whatever they call themselves now have been told to refund my money. This was for the XXXX XXXX and also the 24 month all access pass which totaled to XXXX. I have talked them over 3 dozen times and sent them numerous emails with XXXX  customer service ccd on each email. XXXX said their shouldnt be any reason why they shouldnt have gave me my money. Citizens had me paying for months in which the first time I spoke with them. They said do not worry, dont pay anything as it would take time but resolve. Lies!! They had me miss my first payment on any credit or loan I had in the past 10-15 years. Taking my score down a good 35-50 points. I called to speak with them and they said sorry for the confusion and thatll take care of it but at that time I would have to complete making payments every month until they figure it out so I did so. All the ay up to XXXX. In which they now owe me. I spoken to them at least four more times after we got to that process I called beginning of XXXX of this year and finally they said the check has been sent out on XX/XX/XXXX which would take up to 45 days from Rhode Island. I had no faith in this company has theyre the worst ever I dealt with and feel like its a scam. Even XXXX cut ties with them. I spoke to a representative today for the lack of faith and here we go again they tell me that the check hasnt been sent out but it should be soon. I know this is just another step for them to continue to lag on pay me back my money. Ive spoken to higher-ups the middle people and the regular agents and all of them have lied give me incorrect information and giving me the runaround. As my balanced stand is XXXX dollars right now they owe me that {$310.00}. This has been going on way too long XXXX also changed their name from citizens one to citizens pay. My last case number was XXXX Ive been giving wrong info by XXXX, XXXX, XXXX. Also a request refund from a XXXX XXXX. Way before I spoke with those other agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
While reconciling my XXXX and XXXX XXXX & XXXXXXXX XXXX XXXX bank accounts to ensure that the amounts reflected in my bank statements matches my internal business records. my general ledger and balance sheet was not accurate which caused me to look into my Bank Statements line by line. I have discovered my XXXX Bank account XXXX XXXX, XXXX with bank of America.. account number XXXX had unauthorized Transaction. the first two Transaction that i've notice was on XX/XX/XXXX with a company named XXXX XXXX for a unauthorized transaction amount of {$67.00} & {$3500.00} the same exact day, The second transaction amount was on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The third transaction amount was on XX/XX/XXXX which is the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The fourth transaction amount was earlier this year on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$7300.00}, the fifth transaction amount earlier this year on XX/XX/XXXX with " XXXX XXXX XXXX for a unauthorized transaction amount of {$4400.00}, the sixth transaction amount earlier this year on XX/XX/XXXX with XXXX XXXX XXXX XXXX  again for a unauthorized transaction amount of XXXX, the seventh transaction amount of {$53.00} was with " XXXX XXXX '' on XX/XX/XXXX, the eighth transaction was with " XXXX XXXX '' on XX/XX/XXXX for the Amount of {$24.00}, Lastly the 9th unauthorized transaction was with " XXXX XXXX '' for the amount of {$24.00} on XX/XX/XXXX. 

I have disputed these unauthorized Transaction with Bank of America on Thursday XX/XX/XXXX that was discovered by myself and my accountant. I will attach a copy of the unauthorized dispute I downloaded from my BofA Mobile app.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared 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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared 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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MA

Complaint narrative:
I activated the credit card cash back offer on the early of XX/XX/2022 which shows the offer expiration date as XX/XX/2022. After that, I finished two transactions as required under the terms on XX/XX/XXXX and XX/XX/XXXX with my credit card. I'm qualified for this offer but the {$75.00} cash back never gets to my account. I started to inquire it around XXXX XXXXXXXX XXXX. During their long process time, they agreed I'm qualified for the offer and should get the {$75.00} back to my account soon. But for now they still keep telling me that they are researching the issue and have no estimated date of resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Firstly and which is probably the biggest problem here is that customer service by phone with Experian is a total joke. They have you answer heaps of questions on identity and all of their listed phone numbers put you through the same dysfunction. I tried to address this by mail and they sent back this completely bogus letter about my SS # being inaccurate, I tried numerous times by phone to clear this up and got the same circular loop of " do you want to order a report or put a fraud alert? '' No matter how you answer its impossible to get anyone on the phone and for a company as large as Experian is this is simply just deplorable. Secondly there is still inaccurate information in regards to my XXXX student loan. I am including a copy of my XXXX report from today and XXXX is reporting the same ; that there are no longer any late payment on the account. I have checked Experian everyday now and not only are there late payments it also says last updated XX/XX/XXXX. I have called XXXX to check and they verified that my account has already been reported at the end of XXXX, so I dont really understand how it could take 2 weeks for Experian to post this update. I feel this is also improper use of my credit report. 
You will notice on the XXXX report shows that DEFERRED has been entered on the Terms Frequency and Account Status says PAYS_AS_AGREED.

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I closed my union bank account and received a check for {$9000.00} and have not been able to cashed it. I need a new acc closure check mailed to me please have union bank contact me to mail me a new cashier check 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 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have an account with Venmo , LLC that was created with my old cell phone number and my existing email address. When I created the account I linked it to my primary bank account ( which is still on the account ). The handle is XXXX XXXX 

On XX/XX/XXXX a family member paid {$110.00} to this account ( Payment ID : XXXX ) but I am unable to access my Venmo account and my money because I do not have access to the cell phone number I had when I created the account. I have the correct login credentials ( login and password ) but Venmo is requiring a two-factor text to verify my identity. 

I contacted Venmo to help me reset the account. I provided my email address and banking details at their request ( which is supposed to unlock my account ). 

Venmo is insisting that I provide a scan of my face and Government ID to reset my account. They specifically said not to omit or cover any information on your ID. I think I should not have to hand over this personal data to this company since I have no assurances they will use it responsibly. 

I find it very disconcerting that they do not have a process to unlock my account without providing them with a scan of my ID and my face. They also have no way of reaching customer service except for submitting a case through their website and waiting for someone to correspond via email. Most responsible financial institutions have a process to establish identity by answering security questions or identifying past financial transactions known only to the real account holder ( old address, mortgage lender, etc ). Its almost like they are capturing my money by design.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Dave Operating, LLC
State: IL

Complaint narrative:
On or about XX/XX/2022 a fraudulent charge of {$53.00} was entered on my XXXX XXXX account as well as on XX/XX/2022 a fraudulent charge of {$26.00} was entered. I have never heard of this company nor have I ever did commerce with this company. After researching said unknown corporation it indicates that XXXX XXXX Area is Remote. 24 days ago. Dave is a banking app on a mission to build products that level the financial playing field. To date, we've helped more than XXXX XXXX customers bank, budget, avoid overdraft fees, find work, and build creditand we're just getting started. 

This is Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fraudulent reporting by a company called XXXX XXXX on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.

Company response to consumer: Closed with explanation