vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HOPE THIS FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY XXXX XXXX, XXXX AND EXPERIAN. 

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I UNDERSTAND THAT XXXX XXXX, EXPERIAN AND XXXX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT ALL PARTIES INVOLVED. 

ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT EXPERIAN, XXXX AND XXXX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT THE CREDIT AGENCIES PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR EXPERIAN, XXXX AND XXXX XXXX  COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.

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 2023-10-05 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: NY

Complaint narrative:
In XXXX of XXXX I submitted a request for a refund of payments made during the XXXX forbearance period. EdFinancial agreed to refund my money. However, they have now added the money back to my loan balance without delivering the money back into my bank account. When asked for an estimate on how long it would take, they told me to " be patient '', and that they could offer no estimate. The extra balance in my account is now accumulating interest, while I am left empty handed of the refund. With no estimate on when the balance will finally reach me, this feels like theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I HAVE BEEN HAVING ON GOING ISSUES WITH THESE ACCOUNTTS THAT HAVE REMAINED ON MY CREDIT FILES AND ITS FRAUD AND DOES NOT BELONG TO ME. PER 15 USC 1681B THIS IS AGAINST THE LAW AND MUST BE REMOVED ASAP! I DID NOT GIVE ANYONE PERMISSION TO FYRNISH THIS INFORMATION ESPECIALLY INFORMATION THAT IS CLEARLY WRONG.

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 2023-10-05 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: FL

Complaint narrative:
I HAVE BEEN HAVING ON GOING ISSUES WITH THESE ACCOUNTTS THAT HAVE REMAINED ON MY CREDIT FILES AND ITS FRAUD AND DOES NOT BELONG TO ME. PER 15 USC 1681B THIS IS AGAINST THE LAW AND MUST BE REMOVED ASAP! I DID NOT GIVE ANYONE PERMISSION TO FYRNISH THIS INFORMATION ESPECIALLY INFORMATION THAT IS CLEARLY WRONG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received an alert that had a collections account. I contacted the number the gentleman would not provide any informationThere is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Transworld system IC XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have several balance transfers on my Discover card. I have been doing this for years, and they have always applied my payments to the oldest transfer balance first. 
As I reviewed my statement this month, I realized that they are applying most of my payment amount to the 0 % balance transfer, which expires in XX/XX/XXXX, and them to the one with the highest rate, which expires in XX/XX/XXXX. That means that none of the payment is being applied to the balance with the transfer rate that expires in XX/XX/XXXX, and they are adding the interest to that balance. I asked them when they informed me of this change, and she could not tell me. I also asked if I could make an additional payment of {$1100.00} to pay off the balance due in XXXX so that I could avoid having to pay the 24 % interest on that amount after XXXX, and was told the only way I could do that would be to pay the minimum payment of {$300.00}, plus the entire balance with the 5.99 % rate ( which doesn't expire until XX/XX/XXXX ), plus the entire amount that expires in XX/XX/XXXX, which totals more than {$4700.00}. 
My complaint is that they changed the way the charge interest on multiple balance transfers, and did not inform me. I'm not even sure if it's legal to charge interest this way and not allow me to pay off a specific loan balance ( i.e. the balance with the transfer rate that expires in XXXX ), but I find it unconscionable. It's designed to make me unable to pay off the balance I incurred first by the time the transfer rate expires. The balance amounts subject to interest rates on my XXXX and XXXX statements are below. I made a payment of {$500.00} in XXXX. 
I hope you can help me with this situation. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I have a lease on a 2020 Mercedes Benz. My lease expires in 90 days. However, on XX/XX/XXXX I filed a formal concern with Mercedes Benz because my ABS light was on and the sensors were not working. My brakes did not stop as normal. I was on my way to the service department in XXXX XXXX, Florida when I stopped suddenly and tapped the back of another car. ( No injuries or damages to the other car ) My car suffered a dent to the grill. I let Mercedes Benz XXXX XXXX XXXX know of the incident and asked them to do a diagnostic on my brake system. XXXX XXXX XXXX informed me that I would have to deal with Mercedes Benz Corporation. I have had almost XXXX weeks of back and forth and XXXX assistance. I was provided an XXXX service XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not been in contact with me via phone. I received a short email twice. I am still paying my car payment on time. However, my car is still sitting at the XXXX XXXX XXXX XXXX Department. No one is helping me fix my car. No updates, no return call, nothing. The MB Coral Gables Service Person ( XXXX ) informed me to call XXXX XXXX. I have email and called. He is completely ignoring my situation. No service. I can not even collect my car from XXXX XXXX XXXX. Yet, I am still paying the lease payment. I need assistance with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Hi, Received notice from Wakefield and Associates LLC that they are looking to collect debt from me from XXXX XXXX XXXX in the amount of {$52.00}. I do not know what this debt is for and need information provided about what it is for. I always use XXXX to pay off XXXX debt. All of my payments for XXXX are through there. I have contacted XXXX and they do not know of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX. XXXX : Acct # XXXX XXXX. XXXX  : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # 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 2023-10-05 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. Upgrade : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX  : Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
The company seemed to charge extra interest on the loan. It seemed like the more I paid it down, the more interest was charged. I took out another loan to pay this loan off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank states that there is a limit of {$5000.00} per day and {$10000.00} per week for external transfers. No further information. I transferred {$5000.00} on XX/XX/XXXX, another {$5000.00} on XX/XX/XXXX and received a message that I had reached the weekly limit when I tried another transfer on XX/XX/XXXX. I tried it again on XX/XX/XXXX in the morning and the transfer was successful, meaning that the system reset the week at midnight on XX/XX/XXXX and that the new week started on XX/XX/XXXX. 

On XX/XX/XXXX I tried another transfer and received the message that I had reached the limit. I talked to the branch and was advised that the system would not reset at midnight on XX/XX/XXXX but at midnight on XX/XX/XXXX ( which didnt make sense since my transfer on XX/XX/XXXX in the morning was successful ). The branch manager advised that I should be able to do another transfer on XX/XX/XXXX. On XX/XX/XXXX I made another attempt with the same result. The branch did not have an explanation and told me to call the online department at ( XXXX ) XXXX. The online department told me that the system was set up the way that it would reset the week on XXXX which is not disclosed to customers and doesnt make sense. The new week in my case started on XX/XX/XXXX and according to the information that US/Bank gives to its customers, I should have been able to do another transfer on XX/XX/XXXX. 

I feel that US Bank set up the system in order to hold the money as long as possible without paying any interest, contrary to the information given to customers that they can transfer {$10000.00} per week.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05 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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-10-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX  THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My bank account of 8 years was compromised/hacked on XX/XX/ while I was on business in a different city I didnt notice this was happening until I had came back home and seen my account was used to deposit fraudulent checks and transfer money to random people Ive never transferred money to before the total amount that was deducted from my account was a total of {$2800.00}. I proceeded to call Huntington Bank and their fraud department and let them know what has happened and that all I could do was open a new bank account and wait while they investigate what happened. They proceeded to say the transactions were valid and I now have to pay that amount out of my pocket. I continue to press them and inform them that these transactions were not authorized by me and needs to be fixed. It is now nearly a month later and I have yet to hear a response regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly forward all my letters to the assigned Consumer Reporting Agencies and Collection Department because I have multiple disputes concerning the incorrect and inaccurate accounts that they've furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2023-10-05 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with non-monetary relief