vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
requested an explaination in complaint id XXXX regarding XXXX. They took longer than 30 says. They claimed as verified but did not disclose the steps they took to verify the information as per FCRA law 1692G

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 2024-02-29 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: CA

Complaint narrative:
This is ridiculous! I contacted TransUnion over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I hold both a business and a personal checking account with Axos Bank, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XX/XX/2024, I discovered fraudulent charges on my account from a merchant named XXXX XXXX These unauthorized transactions occurred between XX/XX/2024, and XX/XX/2024, until the bank intervened and blocked my debit card. Immediately, I requested a replacement card, but despite assurances from Axos customer service that I would receive it within three days, this did not occur. Despite my repeated requests for the new cards to be sent to my home address in Texas, which is on file with the bank, they were consistently sent to my business home office in Mississippi. This hindered me from having any access to my funds. 

Despite discovering fraudulent activity on my account, the bank is refusing to credit back the charges. It's been over 20 days since I requested a new debit card, hindering my access to funds crucial for my business. I have been having to pay wire fees to send funds to external accounts to gain access to funds. This is very unfair to the consumer. it appears to me that Axos is looking for ways to charge fees to the consumer. I trusted my funds were secure and FDIC protected, but now I'm unable to reach anyone at the bank for an explanation. I desperately need assistance to resolve this without closing my account and losing access to my funds along with recuperating the unauthorized charges. 

Axos states in the letter provided that they are not crediting the funds to my account because the unauthorized charges were not reported within 60 days. The letter will verify that 60 days will not come until XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX || Date of inquiry : XX/XX/year>

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-29 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: DISCOVER BANK
State: FL

Complaint narrative:
I AM REQUESTING THE DISCLOSURES UNDER 15 USC 6802 THAT I GAVE DISCOVER BANK WRITTEN CONSENT TO SHARE MY UNPUBLIC INFORMATION TO ANY COMPANY. DICOVER BANK IS IN VIOLATION OF 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 18 U.S. Code 242, and 15 U.S. Code 1681 ( a ) 4, as well as relevant state statutes such as Florida Statutes 817.568, I am asserting my consumer rights and bringing to your attention the following violations :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
The law firm XXXX XXXX, which represents Ford Motor Credit, has made many attempts and threats to collect on a car repo loan. 
I had to let the car go back due to XXXX  and XXXX concerns. And also during this time my wife was undergoing XXXX XXXX. Which she pass in XXXX, XXXX. This placed a huge financial strain on me, my wife and my entire family. I am XXXX  years on, i have been served by the sheriff 's Department of XXXX XXXX, XXXX After talking with the Sheriff 's Dept . i have been paying {$60.00} a month thru the clerk of court for this loan. I wish the firm would stop harnessing me, my so source of income is my social security check, and a small pension from my deceased wife 's company of about {$60.00} dollars a month, which i give to the sheriff 's department. Is there any help you can provide for me too stop this company from harnessing me with these constant letter. 

Sincerely XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
XXXX XXXX is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense

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 2024-02-29 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: FL

Complaint narrative:
XXXX XXXX  is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 2024-02-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to bring your attention to a matter of significant concern regarding Bank of America 's misrepresentation of the status of my closed account with them. 

In previous complaints, Bank of America falsely claimed that the Department of Labor in the State of Maryland had 'froze " my closed account, which I had used to receive pandemic unemployment insurance. This misinformation has led to unnecessary distress and complications. After thorough discussions with three sworn state representatives in Maryland, it has been conclusively determined that the Department of Labor has not taken any adverse action on my account in XXXX  or at any time since I started receiving unemployment insurance. 

Despite filing multiple complaints with the bank, I have encountered instances where I was either discouraged or outright prohibited by bank representatives from addressing these issues. This situation is deeply troubling, and I am seeking your intervention to rectify this matter promptly. 

I kindly request your esteemed agency to conduct a thorough review of all communications between myself and Bank of America from XX/XX/2024 until the date of filing this complaint on XX/XX/2024. Your prompt attention to this matter is crucial in ensuring fairness and justice.

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 2024-02-29 00:00:00
Product: Credit reporting 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:
I am notifying you that all these items are currently in litigation due to many several FCRA violations for failure to report information that is 100 % inaccurate and never was fully verified.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was denied an account with a credit union because of the number of different names attached to my credit report file with XXXX. 

XXXX has a number of different spellings and variations of my name and XXXX totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was denied an account with a credit union because of the number of different names attached to my credit report file with Experian. 

Experian has a number of different spellings and variations of my name and XXXX totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled 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 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
Ive been doing business with this company for a long time I paid off a previous loan I had with them yesterday during that conversation. I asked if I could re-loan and they told me yes that Id had to wait 15 to 30 minutes before I could so the payment can process I did that I called they did a new application. They preapproved me for {$900.00} and then they said well we need a copy of your drivers license. I sent them a picture of my Michigan Chauffeurs drivers license enhanced the passport one and they came back to me and told me that they could not accept that I even sent them my Michigan CPL ID that has my picture and all my info still denied me. Told me I needed a state ID or a passport and I explained to them my drivers license has all that Im not going to obtain two different pieces of ID so theyre basically saying that the state of Michigans enhanced drivers license which is valid by the federal government is not a valid form of identification. And the letter that they sent me was, they denied me because theyre unable to identify me. But they had no issue taking my debit card information over the phone though.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Concora Credit bought out Genesis. They advertise that you qualify BASED ON THE INFORMATION THEY HAVE not to mention they hit your credit with a hard inquiry immediately. They then ask you to send extremely sensitive information by Fax or by Mail. 

No one is sending copies of these things. We use this card to continue building credit on MY end. My husband has been helping with having me as an authorized user, but we can not in good faith send a copy of my sensitive information when I already have a card with the SAME COMPANY and they have yet to send a card since my previous one expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to express my profound dissatisfaction and frustration regarding the holding of my funds in my Square account. As of XX/XX/year> my square account got deactivated with a balance of {$140000.00} being withheld for a period of 90 days, its been 10 months already and my funds is still being held which is causing significant financial hardship and disruption to my business operations. 

Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration and XXXX. 

I demand immediate action to release the entirety of my funds without further delay. Furthermore, The impact of this hold on my business can not be overstated, and I urge you to prioritize this matter with the utmost urgency. 

I trust that you understand the gravity of this situation and will take prompt and decisive action to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint against LVNV FUNDING Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that LVNV FUNDING placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with LVNV FUNDING, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that LVNV FUNDING provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If LVNV FUNDING is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with LVNV FUNDING is blatantly false. I neither received any services or products from LVNV FUNDING nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that LVNV FUNDING is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of LVNV FUNDING constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2023 Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized 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 2024-02-29 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have two or 3 files filled out with jp Morgan but I never ever tried anything with them I've been going through fraud these past months I think an ex or somebody had stolen my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My parents are both deceased and I am the trustee of their estate. My mother recently passed on XXXX. I contacted PNC bank in person many times to close a business account that they had opened to handle well water payments for their neighborhood. I requested to close the account and was told to provide death certificates for each of the signers ( my mom and dad ) and a small estate affidavit for each of them. This was sent to the legal department and I was told I could not close the account because it was marked a a corporation in the system. I asked what I needed to do and was told- on a recorded line- that it was probably marked incorrectly when the bank merged with Compass bank and that I would need to prove to them that it was NOT a corporation. I explained that the business name was not listed with the XXXX  XXXX XXXX, there was no XXXX ( the account is under my fathers social security number ) and there were no Articles of Incorporation on file- the bank should also have this information on file. 
I have written letters with all of the necessary paperwork included to the corporate PNC Bank offices in XXXX  and to the corporate office in XXXX. I have been ignored each time.

Company response to consumer: Closed with explanation