vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a {$200.00} US Bank Visa gift card for my birthday in XX/XX/XXXX. I didn't register the card right away because I was holding off on spending the money until I really needed it. Fast forward to XXXX or XX/XX/XXXX I registered the card online ( https : //www.prepaidgiftbalance.com ), used my Name, Address, Phone number and Email to register the card and verify the balance. At that time, the balance was still {$200.00}. On XX/XX/XXXX I tried using the card to buy my sister a birthday gift, and the card was declined. So I logged back into the website to check the balance and the card was empty! I checked the account information and someone had changed all the contact information. Everything! Name, Address, Phone number and Email. I checked the transactions and someone stole my card and used it to make multiple unauthorized purchases. I called customer service and after being hung up on multiple times by reps, I was finally able to speak to someone and they instructed me to upload documents to the website ( ID & Visa Card ). When I tried doing to, I noticed the account was now locked. So absurd to instruct me to go upload documents and then lock me out of the account! I was able to speak to someone in the XXXX, and they instructed me on how to upload documents. Its been 2 weeks and I still haven't heard back from anyone regarding this matter. They need to check the records and verify that I registered the card, and someone went in there and changed it all and stole my money! GIVE ME MY MONEY BACK!!!!

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCM Finance LLC
State: TX

Complaint narrative:
Account is closed an paid and is still being reported. Account should not be reporting requesting to have it removed. 

I am disputing this repossession under the provisions of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681c-2, which states that information regarding a fully paid or settled repossession may not be included in a consumer report unless the consumer has explicitly consented to the inclusion of such information after being informed of their right to refuse consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TN

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX XXXX Account XXXX. XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) Account XXXX. XXXX. Account Name : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account XXXX. XXXX Name : XXXX XXXX XXXX Account XXXX. XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 1666b ( A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ) Discrepancies exist among TransUnion ( 8 late payments ) and XXXX ( 9 late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX XXXX  also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX  and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.

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 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I want to be clear I am not disputing accuracy of late payments. I am simple requesting that it be removed from my credit report because it is hurting my ability to obtain credit. I have recently been in and out of jail for the past few years and was struggling financially due to the reason. I have no intentions on not keeping up with the payments in the future and staying in good standing with bank and the loan account. This will never happen again. Please just have the late payments removed immediately and I will be ready to start over on monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I ask Transunion for original contract information they received from XXXX XXXX XXXX, and XXXX, I never received anything mailed from Transunion. The only thing I've been receiving from Transunion through email are offers to apply for credit cards. I know that all three credit bureaus use the same codes XXXX deleted XXXX XXXX, XXXX and XXXX, Transunion Updated my account and verified with the same inaccuracy. This 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states i have 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 instruction 15 U.S.C 1681 no consumer agency may make any consumer staining any of the following items of any other adverse item of information records of conviction of crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: TN

Complaint narrative:
In XX/XX/XXXX I was contacted by KLS Financial Services by letter regarding a debt they claimed I owed to XXXXXXXX XXXX. During my last visit to XXXX XXXX  I paid my account in full. I requested a full accounting of my transactions with this account and documentation they were the legal debt owner. I have received none of the requested information. 
I received another letter from KLS Financial Services dated XX/XX/XXXX stating I must call or write to dispute the debt by XX/XX/XXXX. I called on XX/XX/XXXX to dispute this letter. I requested proof that KLS Financial Services owns this debt. I also requested documentation regarding the specifics of this debt. I was rudely interrupted multiple times when I brought up the clear violation of the fair credit reporting act and that the law must strictly be followed. I was put on hold for an extended period of time. 

I called back again and spoke with XXXX. She is supposed to send documentation, but I have yet to receive anything 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 explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-06 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: PA

Complaint narrative:
Transunion failed to do a proper investigation. I asked Transunion to update inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. 


I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. 

Transunion must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.

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 2024-05-06 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: FL

Complaint narrative:
Kindly remove these inquiries ; I lack any knowledge on them, and the company proceeded without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I am natural person, I am living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be deleted or remove because according to 15 USC 1681 I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 
Accounts Here Remove/Deleted : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax 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 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Transform Credit Inc.
State: NM

Complaint narrative:
I got approved for a XXXX loan from this company and I give them my bank account information and my security number and and the loan agreement and told will be in my account by XXXX XXXX  today XX/XX/2024 by XXXX and the company signed the agreement. I request copies of the documents and nothing I also tried to call the number on the loan agreement and the email address that was provided. I received a email from them and clicked on the link and it went to my XXXX account and request payment from me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime financial closed my account back in XXXX and mailed me a bad check that XXXX XXXX XXXXXXXX told me they couldn't cash. 
I requested a new valid closure check and in XXXX they told me they mailed it out and it would take 14 days which I never received then in XXXX they told me they mailed out again which was never sent then at the end of XXXX they told me they would expedite a check to me which I should recieve in 3-5 days which I never received. I also requested them to send me my statement because my balance was off and they said they would email it to me which I never recieved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: Esusu, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has trported an open rental lease ftom XX/XX/XXXX to XX/XX/XXXX XXXX approx i do not know this company and have never given permission to apply or run my credit they are doing business with ESUSU rebt reporting I do not recognize these companies and would not and have not done business with themthey have no ohone number listed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-06 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation