vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: IN

Complaint narrative:
I checked my credit report on XX/XX/23 and found inaccurate information on my report ( XXXX XXXX XXXX ). I immediately wrote a dispute letter and sent it off. Thirty days went by and I didn't get any kind of response, so I sent another dispute letter and included some inaccurate personal information that I wanted removed. Thirty more days went by and I have yet to get any kind of response from TransUnion. I sent one last letter to them, and depending on their response will depend on whether I file a complaint with the FTC and the XXXX. I've also been in contact with a couple of consumer attorneys that work on contingency just in case.

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 2023-08-24 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

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 2023-08-24 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:
On XX/XX/2023 I paid {$200.00} for a rental car through the same person I rented my XXXX with in XXXX XXXX  When I picked up the car I verbally communicated with the merchant about the warning lights being on the dashboard. ( tire pressure, battery, etc.. ) The merchant stated the car was fine to use. It was unsafe and did not run properly. ( This was also not the original car I requested and confirmed to rent ) I could not drive the car as needed and the car eventually broke down on me and my XXXX XXXX XXXX daughter while driving. Leaving me and my daughter stuck in the middle of nowhere for a couple of hours. 
I communicated with the merchant about the car breaking down right away and asked for them to accommodate me with another vehicle or refund. The merchant did not accommodate me. The merchant said it was the car battery and offered me the same unsafe car. 
When I returned home I disputed the {$200.00} charge XX/XX/2023. I sent in screenshots of me messaging the merchant about breaking down as well as screenshots showing the car dashboard ( warning lights on to show the vehicle was not safe ). Chime denied my dispute. 
I have been requesting documents as to why the dispute was denied and I have been reopening the dispute for them to return my {$200.00}. They have denied it repeatedly. I feel as a loyal customer with Chime for a few years and the situation involving the car breaking down I should be refunded. Its just the right thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: WA

Complaint narrative:
The ATM took my cash back before I could grab it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputed identity theft account on my credit report with Experian and with a XXXX XXXX XXXX on the first week of XXXX. XX/XX/XXXX the information was blocked removed by experian and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to experian within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
fraudulent inquiries on my profile. XXXX has deleted them but XXXX and Transunion have yet to follow suit. im asking for XXXX and transunion to delete the inquiries also because they are fraudulent

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I have reached out to XXXX and Sagestream and they are refusing to provide me withmy consumer report .On XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to XXXX and Sagestream.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, 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:
They didnt delete anything off my credit report its still on my credit report they didnt send me the original contract with my signature this is a illegal

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 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). NRA Group , LLC is still continuing to report an alleged debt onto my consumer report. I am demanding that XXXX group cease & desist all forms of communication activity through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed up for the Capital One XXXXXXXX XXXX card with special intro promo- this included a {$200.00} credit for purchases with XXXX within the first year. 

I DID spend $ XXXX at XXXX within the first year - about XXXX weeks shy of my full year having the card but they never credited me. I called in numerous times and it was reviewed and denied each time. They said that because the annual fee was charged BEFORE I spent at XXXX that I didn't meet the qualifications ... that is NOT what the terms said. The terms said first year and I satisfied that requirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: SD

Complaint narrative:
TD Retail Card Services Headquarters Attention Head of Department I have been trying very hard to reach someone who will understand my situation with my referenced as several different names including Home Inspiration, TD Bank, Online Account Management, and Renovate. For those of us who appreciate and take advantage of these purchase programs and who have worked tirelessly to make payments on personal debt, this variable reference to this program causes so much confusion especially when not receiving statementsor at least I did not recognize that this was referred to all of these names. 

I did have it noted on my personal calendar the promotion was coming to an end in XXXX of 2023. A personal tragedy made me panic when XXXX was coming to an end that I hadnt heard or seen a notice that this would be ending. I have participated in these programs many times as I would not be able to afford to purchase new furniture otherwise. In speaking with XXXX XXXX they were apologetic that I misunderstood the end date of the promotion as they knew that I had utilized this many times as their customer. XXXX felt strongly that TD Bank would see that I have been a repetitive customer and at a minimum come to some reasonable settlement based on the confusion with reference and not receiving a statement. 

I can not tell you how upset this has made me which is why I can not feel okay that I am being charged with over {$1600.00} of interest because of a misunderstanding. All payments were being made timely/automatically, and I even had gone in several times and tried to make a payment because I wasnt seeing any communication and thought I had missed. It was a very confusing portal and ultimately it did indicate that it was a duplicate payment. 

{$1600.00} could help me pay down plenty of other debt/bills, and if I have to see this go to a futile effort in having someone understand the reason behind my misunderstanding it would be devastating. My intentions were there and I understand that in many cases people might completely ignore and realize that they can not make payments. The minute that I called and found that I had missed this promotion ending I paid the balance of the original loan in full. I was certain that I was not at fault and immediately contacted the appropriate department and the person indicated that if I had reached at least in XXXX they would have been able to accommodate my situation. This is so upsetting because I was sure that the end date was in XXXX. I someone could listen to and understand my situation I can not believe that they wouldnt work with me. I work two jobs and this will set me back so far on my financial situation. 

Please help me out and bring this to the attention of the head of this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
Account name AARGON COLLECTION AGENCY Original creditor XXXX XXXXXXXX XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX 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 2023-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
They dont want to work with you regardless of your situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
on my credit file with XXXX  they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on my credit file with XXXX they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach

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 2023-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC
State: TX

Complaint narrative:
I received a voicemail on XX/XX/23 from KP Asset Consulting about a debt owed. I believe they are looking for a XXXX XXXX, but I honestly couldn't understand that part of the voicemail. Location Specialist XXXX XXXX said they are looking into a pending claim and that the filing would become public soon. He said they are coming both to my home and my job 's payroll department ( he said that twice in this voicemail ) and that I needed to produce 2 valid forms of identification. He ended his message with, " See you soon. '' The number left for KP Asset Consulting was ( XXXX ) XXXX. 

On XX/XX/23 I received another voicemail from Location Specialist XXXX XXXX who said they would be at my home and job in an hour. He left the same phone number for KP Asset Consulting and ended the message with, " If I don't hear from the filing party right away, I will be seeing YOU. '' On XX/XX/23 I called KP Asset Consulting and told them I've received 2 voicemails from them. They were unable to find my name in their system and hung up on me when I told them that they were welcome to come to my job ... at the XXXX XXXX XXXX XXXX. They have called me before although I deleted those voicemails. I hope they stop calling my work cell phone now!

Company response to consumer: Untimely response
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023 I received and paid off a bill on my visa card issued by Bank of America in the amount of XXXX. On XX/XX/2023 I received a bill of XXXX  which included XXXX I charged on XX/XX/2023 plus an interest charge of {$0.00}. I am attaching the bills for XXXX and 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 monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have unknown accounts that are on my credit report that needs to be removed.

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 2023-08-24 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: PA

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( [ Your PayPal Email Address ] ). I strongly believe that this limitation has occurred due to a misunderstanding or error, and I kindly request a reconsideration of this decision. 

I want to emphasize that I have always been a diligent and responsible PayPal user, adhering strictly to all PayPal policies and guidelines. As such, I am perplexed and distressed by the limitation imposed on my account, as I am confident that I have not engaged in any activity that violates PayPal 's terms of service. 

I kindly request that PayPal initiates a thorough review of my case. I understand that mistakes can happen, and I genuinely believe that upon re-evaluation, you will find no basis for the limitation on my account. If any specific transaction or action has triggered this limitation, I am more than willing to provide any necessary documentation or information to help clarify the situation. 

It is of utmost importance to me that my PayPal account be reinstated, as it plays a critical role in my financial transactions. I have always valued the convenience and security that PayPal provides, and losing access to my account has caused significant inconvenience and uncertainty. 

I earnestly appeal to you to re-investigate this matter with the hope of restoring my PayPal account to its full functionality. The email address associated with my PayPal account is XXXX I sincerely appreciate your prompt attention to this matter and your commitment to resolving this issue fairly. Thank you for your time and consideration. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
Monterey collection svcs on XX/XX/2022 this is not my account I did not apply for this account the amount shown is XXXX I dont owe this before I never opened account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/23 I pulled my credit report and discovered that there were multiple inaccuracies. I send a dispute letter to equifax to have my personal information updated/removed and disputed an incorrect account ( XXXX XXXX ), and also some unauthorized inquiries. It has been past the 30-day allowed response period so I'm requesting that all of these things be removed.

Company response to consumer: Closed with non-monetary relief