vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX  and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights.. 

date of last payment transunion- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX date of last payment trasunion- XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit transunion- {$2000.00} XXXX {$0.00} XXXX {$0.00} comments transunion- Charged off as bad debt Dispute resolved ; customer disagrees XXXX- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold

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 2023-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I have message the company numerous times and called, left messages and phone reps only hang up without assisting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I closed my Kay XXXX  account with Comenity many years ago. However, this card still is reported on all of my credit accounts. I have appealed to Comenity itself and all of the credit agencies/bureaus, and they have refused to mark the account as closed. 

I do not have an account with Kay XXXX  or Comenity. I have not had an account for years. Their continued insistence that I have an account, and their reporting of it despite my repeated protests, is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. Account name : XXXX XXXX XXXX. # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.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 2023-01-17 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: EQUIFAX, INC.
State: IL

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was told by XXXX XXXX  when my XXXX XXXX  was going to school that I would have to apply for a XXXX XXXX loan and be denied in order for them to increase my child 's loan amounts. I applied and they approved it for XXXX semester. My XXXX  is no longer in school and now they are saying that I owe over $ XXXX. They were also getting XXXX XXXX  loans at the time. I am on XXXX and my credit is terrible from tons of medical bills. This loan never should have been approved and I do not believe the amount is correct, it is definitely fraudulent predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I got scammed by the loan company gave me a loan for XXXX and they will slowly take more than that up to XXXX from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I've already filed a claim about Truist Bank/BBT ... they closed my account of XXXX  years because they " thought '' I was involved in fraud with my acct ( which I fell for a stupid scam on line ) and left my with a huge balance with service charges. I had a deposit come thru for XXXX on XXXX. Well they keep my deposit on my " CLOSED '' account and they will NOT refund me for the deposit just made after they closed my account! 
HELP ME!!! 
They just keep adding and adding to this " closed 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 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Trying to resolve debit. Do to separation. Citi bank just called again at XXXXXXXX XXXX  this is not expecteable. This is harassment.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX account # XXXX with a balance of {$1100.00} is a fraudulent charge made with identity theft. I have submitted ( to XXXX XXXX XXXX ) a copy of my " Identity Theft Victim 's Complaint and Affidavit '', police report. This charge was first made aware to me by XXXX XXXX. The charge originated in XXXX, TX. I have never been to XXXX, TX. The perpetrator is using an address and email that are not mine. XXXX XXXX, my identity theft protection service and I thought the matter had been resolved, but XXXX XXXX XXXX has twice since moved the charge to a different collection agency..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TX

Complaint narrative:
To all Credit Reporting publishers and providers of FRAUDULENT INFORMATION. XXXX XXXX, XXXX XXXX XXXX EXPERIAN XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF XXXX XXXX PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: ND

Complaint narrative:
Credit karma pre approval denials. I was targeted after building my credit with the same offers only to be denied and receive inquiries that lowered my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent 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 2023-01-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that 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 deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I deposited my Check to chase on XX/XX/XXXX. 
And XXXX year ( XX/XX/XXXX ) later, Someone took the same check to XXXX and cashed it out. 
and XXXX overdraft my account and paid the other person. 

The check should be good for 180 days. I don't know why chase still let this happen. Why do I have to pay for the mistake then XXXX made? 

The XXXX XXXX keeps calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
Etrade has now prevented access to my money for a week. They keep having me jump through hoops to access my funds which they were more than happy to transfer in. They keep restricting my account and telling me I have to verify things ( which were already verified ). I do what they ask and waste literally days of my time doing things after they already gladly took my money. Each time they tell me everything is resolved and the restriction is removed, but then they restrict my account again and tell me to do the same things once again which they already told me were satisfied ( which were clearly satisfied even before the restriction seeing as they were more than happy to transfer in my money ). This is beyond absurd, entirely unacceptable, and undoubtedly against the law. They must me held accountable and punished to the fully extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
On XX/XX/XXXX I received a random phone call from a stranger asking me to verify my identity. I obviously would not volunteer this information in the day and age of identity theft and scam artists. When the caller refused to answer any of my specific questions about who they were and what they were calling about, i told them I would not verify my identity and to never call me again. On XX/XX/XXXX I got a notification from XXXX XXXX XXXX that a negative major deragatory event had hit my XXXX XXXX. When I reviewed it, it was from a company called Contract Callers Inc who i've never heard of. I then learned that in order for a debt collector to report your debt to the credit agency they have to satisfy XXXX of the following : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : XXXX ) Speak with you in person about the debt, XXXX ) Speak with you by telephone about the debt, XXXX ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or XXXX ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

NONE of these steps were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: KY

Complaint narrative:
I'm writing to appeal the sudden, permanent limitation of my Paypal account without a valid reason. I have followed all of the user agreements and have not done anything wrong. I understand that it is important to review accounts to keep Paypal a secure environment. I am willing to provide any information necessary to help reinstate my account and kindly ask that you re-examine the matter and allow me to regain access. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: MO

Complaint narrative:
Spire Recovery solutions has been calling me to collect a debt but will not verify who they are working for unless i verify my personal information over the phone. I have contacted them letting them know to ONLY contact me via certified mail, they responded again asking my to verify my social security number. they have also been contacting my sister and my aunt. I am not sure where they have gotten their information but this is harassment. They are asking my family members for my personal information and bombarding them with calls as well as myself. I told them if they did not oblige by my request to only be contacted via mail that I would report them. They say they can not send me mail until I verify my ss # through phone or email. I need this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: GA

Complaint narrative:
This debt is from over XXXX ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.

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 2023-01-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It appears Experian has employed a stall tactic to fixing their wrong doings. My previous CFPB complaint number # XXXX has detailed how Experian has taken longer than 30 days to resolve my dispute and the items needs to be removed as the law states. Experian responded that they couldn't find my consumer file. My latest Experian report number is XXXX. Seeing as it has now been well over 30 days to complete my dispute. Immediately remove these inaccurate and misleading Tradelines from my consumer credit file. 
Please see attached document for additional details

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