vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
BARCLAYS BANK DELAWARE has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2024-06-16 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: U.S. BANCORP
State: OH

Complaint narrative:
US BANKXXXX XXXX XXXX XXXXXXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX, 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 2024-06-16 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: MI

Complaint narrative:
Company has been asked to remove XXXX from file as it doesnt not belong to me and debt is incorrect. Debt address does not match current address, previous address or school address. When told this company has refused to look into issues stating its my fault, when given proof as far as address company has refused to run personal investigation, when mailed letters requiring a signature that it was received company has also refused. Company has reported account as meeting FCRA standards and that is false as they have previously reported other accounts as meeting FCRA standards that were later removed. Its becoming clearer there is a discriminatory aspect being in place depending on who is running the company reports as some individuals dont view some reports as needing to be looked at. Company has had disputes ran on account for past XXXX  months with no assistance or proper investigation

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 2024-06-16 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: ALLIANT CREDIT UNION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance Corp XX/XX/XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I went to get gas on Wednesday XX/XX/year> and my transaction was stopped at just over XXXX dollars. I tried to use my card again to finish my transaction and it was declined due to insufficient funds. I was sure I should have had at least XXXX dollars in the account so I immediately looked at my online account and realized there were XXXX transactions that were unauthorized to make purchases on XXXX and to make purchases on XXXX both on their app platforms. Upon contacting the companys they informed me that the transactions were done online and the accounts that used my debit card were both registered to a name different then mine. After confiding this out I contacted Chime to report the unauthorized transactions and to file a claim .In less then XXXX hours they came back with investigation results denying and closing my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: MI

Complaint narrative:
Company has been asked to remove XXXX from file as it doesnt not belong to me and debt is incorrect. Debt address does not match current address, previous address or school address. When told this company has refused to look into issues stating its my fault, when given proof as far as address company has refused to run personal investigation, when mailed letters requiring a signature that it was received company has also refused. Company has reported account as meeting FCRA standards and that is false as they have previously reported other accounts as meeting FCRA standards that were later removed. Its becoming clearer there is a discriminatory aspect being in place depending on who is running the company reports as some individuals dont view some reports as needing to be looked at. Company has had disputes ran on account for past XXXX months with no assistance or proper investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FREEDOM FINANCIAL NETWORK
State: MA

Complaint narrative:
Achieve has refused to respond to my dispute claim with XXXX XXXX XXXX. I have disputed the inaccurate information reporting on my consumer report with Achieve and was told by manager XXXX XXXX that the inaccurate information would be updated. After many months speaking to XXXX XXXX my consumer report has not been updated. Subsequently in XXXX, 2024 after almost 2 years Achieve reinstated inaccurate information on my consumer report after I file a case with the XXXX XXXX XXXX for my dispute with Achieve. Reinstating inaccurate information on a consumer credit report in a violation of the Fair Credit Reporting Act. I have attached proof documentation of my dispute letter with XXXX and my consumer reports showing the inaccurate 30 day notice showing that they were not there for almost 2 years and reinstated in XXXX, 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: EdFinancial Services
State: NC

Complaint narrative:
I have been trying to repay my daughter 's student loan which is now administered by ED Financial. Every time I've tried to submit a payment through their Auto Pay option the payment gets reversed. This has happened on four occasions. I have yet been unable to have a payment go through. Mean while my interest keeps accruing on the loan. This in fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I looked at my credit report and recognized a hard inquiry from XXXX XXXX. I never authorized it or wanted a credit card with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: IL

Complaint narrative:
The following addresses are incorrect and must be removed to accurately reflect my current address. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields XXXX - Address, XXXX XXXX ). Inaccurate address information can lead to issues of misidentification and may affect my creditworthiness.

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 2024-06-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: IN

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal 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 non-monetary relief
Consumer complaint received 2024-06-16 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: IN

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal 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 2024-06-16 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: Skrill USA, Inc.
State: NY

Complaint narrative:
I tried depositing money from Skrill into my XXXX account and I received a notice that the transaction failed, and my account would be permanently closed with XXXX explanation or reason provided. To my knowledge, nothing I did violated the companys terms and conditions, and I was well within my right to deposit my money as I saw fit. The company has refused to provide me any sort of information regarding this issue, and asserts my accounts closure is permanent. This is extremely unfair and discriminatory and I hope they can be penalized for the terrible mistreatment Ive suffered from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have been trying since XXXX to get into Equifax credit bureau. I have had an account and now can't access it. The last response from here is that my registration wasn't completed. Yes it was I don't need another account I need access to the one I had before! Open my account back up!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a papal credit card holder for some time now. Since I got it there were issues with me getting online access. I have spent countless hours ( I dont have the time to spend/waste on this ) on the phone trying to get it corrected only to be bounced from one person to another. 

About XXXX weeks ago I spent about an hour only to have the person at Synchrony Bank say she does not know what to tell me. Its in my records, please check. Now they are charging me {$1.00} a month for a paper statement. I want to cancel my card as I am forced to pay this since I cant get online access. I called to redeem my cash back balance of {$690.00} and close the account and I am being told that I can only do this with online access. Again, I spent a very frustrating XXXX minutes only to be told no one is sure what the issue is. ( I have a pic of the time I spend today on a very frustrating useless call ) So here is where I am. I cant get online access and have spent a very large amount of time trying. I have {$690.00} in cashback which XXXX cant use. I am being charged {$1.00} a month for paper statements because I dont have online access. 

This has been unbelievably frustrating and a waste of time. This should not be like this. 
I am going to pay for my card in full today, minus the {$1.00}, I expect to receive the {$690.00} in cashback in a check from you and for you to cancel my card. As well something for my time and frustrating.

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 2024-06-16 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: VA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal 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 2024-06-16 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: VA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal 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 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I opened a new Checking Account with Ally Bank through their website on XX/XX/XXXX. There were no issues after approval and I was able to login and see my information fine. On XX/XX/XXXX, from the Ally website, XXXX setup my XXXX XXXXXXXX Checking Account for external transfers, then transferred {$1100.00} to Ally from XXXX  XXXX. The funds were set to fully settle on XX/XX/XXXX. 

On XX/XX/XXXX I received an email that my XXXX and XXXX XXXX XXXX was suspended with Ally, then another email at XXXX on XX/XX/XXXX saying " We restricted your Spending Account because we detected suspcious activity on XX/XX/year> ''. I called Ally right after getting that email but no one was willing to help, saying their fraud department was closed. 

The next day ( XX/XX/XXXX ) I was able to login to my Ally account and see the {$1100.00} I transferred was now in my account. I then called the Fraud Department and spoke to a person named XXXX for about a half hour, providing answers to every security and personal use question they had. At the end of the call I was told my information would be passed to the investigator and they would reach out if they had any more questions. I asked them what else they would need from me since I just gave them everything and he started to get upset saying they didn't need anything else and to just wait. I asked to just close my account and get my money back and he said that's not possible while this is still being investigated. He then said he isn't going to do this back and forth stuff with me and stopped talking. 

Later that day, I tried to login to my account again, and now it say my access is temporarily blocked and to call them. I have also received XXXX emails saying my password change was unsuccessful, which matches with each time I tried to login to my account. I called them back the night of XX/XX/XXXX and was told my account was still being reviewed, that there is nothing I can do to get access to my account or money, that they had no XXXX on when someone would contact me or my account would be open again. 

At this point, I just want my {$1100.00} back and to get my account closed at Ally ASAP. It feels like they stole my money since I can not access it and they won't help me anymore.

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 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was a victim of identity theft and fraud. I want this removed as soon as possible

Company response to consumer: Closed with explanation