vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: OK

Complaint narrative:
I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York, XXXX DOB XX/XX/XXXX SSN # XXXX Date XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX, PA, XXXX RE : Letter to remove inaccurate credit report information Dear TransUnion, There are several inaccuracies in the following accounts Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Balance {$670.00} I am demanding that these items be removed as your company failed to do an initial investigation on these items. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) the banking system is dependent upon credit reports being fair and accurate. The banks can not function without my consumer reports being accurate nor can I extend my credit for essential things. This grave error has undermined my confidence in the public and I am not able to use my consumer credit. Pursuant to 15 U.S. Code 1681 ( b ) ( 2 ) I never gave your permission to furnish a consumer report on my behalf nor did I give you written consent with my wet ink signature. You are supposed to have my permission to furnish this report and I never gave consent for you or any other person to furnish information on my behalf. I demand that you provide to me the original contracts for the above said accounts and I also demand you provide me a contract including my wet ink signature which gave your permission to furnish this information on my report. If you can not provide such documentation these items shall be blocked and removed from my consumer report. If the failure of such items are not blocked and removed, failure of your willful noncompliance can result in a lawsuit. You are harming my reputation and defaming my character by reporting inaccurate information and causing mental anguish and injury as I have been denied credit. I am expecting to get a home in a few months and this inaccuracy is causing me to be denied by lenders because it is reporting negative. I also demand you provide me with a sworn affidavit showing proof that I granted you permission to furnish a consumer report on my behalf with the failure of such information the above accounts shall be removed. 
Here are the following inaccuracies The account number is missing The monthly payment is missing. 
If TransUnion. fails to make any reasonable procedures to resolve this matter and the use of inaccurate reporting information and my rights to privacy I will indeed make TransUnion criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also Follow up with an invoice for said violations ( { {$1000.00} } per violation. ) Thank you. 
Foster : XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural inalienable Rights Reserved

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Hi XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ca XXXX account number XXXX. I have and I have a collection on my credit report that I have no knowledge of and this is a violation of my privacy. 

Please remove account immediately I had no clue of this account. 

I have never done business with this company or any company I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/24, I used my Ally account to send money to my XXXX account and I used ally to XXXX my fianc some money. 

Without warning my account was locked. No warning was given, and the excuse they used was I reset my password to many times. Everything is linked to my email and I can see any and all interaction on the account. 

I am now locked out of all my funds. Their customer service is not helpful they arent giving me any information and leaving me in the dark.

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 2024-02-12 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: NY

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Associated Bank sold my loan. They have cut off access to my account so I can't get historical statements. And there has been no information from the new provider. Calling the customer service number they have no record of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: LA

Complaint narrative:
I reviewed my consumer report and noticed that i had some late payments on my account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed via attachment. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated or delete. I was never late.

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 2024-02-12 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: LA

Complaint narrative:
I reviewed my consumer report and noticed that i had some late payments on my account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed via attachment. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated or delete. I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX am A confirmation for {$300.00} was sent from cash app to a direct account with XXXX XXXX. I SENT THE MONEY BEFORE XXXX, CASH APP CONFIRMED THE DELIVERY AT XXXX. 
I have that time in the attachment. 

I didnt have a wells fargo debit card. I just had the account that is connected to the XXXX XXXX XXXX department ending in XXXX. 

This same day, I called XXXX XXXX after I sent the {$300.00} from Cash App. I asked XXXX XXXX, can I access my debit card number to my account without a Debit Card? They told me no, I would have to wait for my debit card to access my account, the one I just sent the {$300.00} too. 
So I told them, close the account on XX/XX/XXXX! I have the proof in my attachment, they sent a closing email for the account XXXX on XX/XX/XXXX, not the XXXX as they claim. XXXX XXXX is even sending me a letter saying they closed the account on the XXXX which is how committed they are to this Lie. They didnt know I have the email to prove it was XX/XX/XXXX, in the attachment. XXXX XXXX was saying the account was closed XX/XX/XXXX. Thats not true. Like the attachment says, it was closed XX/XX/XXXX, after I sent the money. 

Regardless, the money should have bounced back to Cash app. Or never been processed. But both companies are trying to convince me {$300.00} disappeared and I should call the other company to find out where. 

I contacted XXXX XXXX claims department and unlike Cash app theyve closed both of my claims w/o any email, letter, call or explanation so I had to call back and I still have no answer on why they cant get my money. The account was NOT closed before the money was sent. 

They can use the routing number cash app but they wont contact Cash app to find this out. They keep telling me to. 
Cash app wont contact XXXX XXXX, they keep telling me to do it. 
This situation has nothing to do with me. Cash App XXXX XXXX XXXX know that. Theyre just hoping I stop fighting. 

I work too hard as a painter for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have received settlement offer letters from XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, and Portfolio Recovery Associates , LLC all offering settlements for an account with XXXX with XXXX XXXX. They have all offered different amounts for settlement. Client services never even stated the amount owed on they debt they were trying to collect for. they just offered a settlement They have never provided any documentation about the debt owed, any signed contracts of the debt owed, or proof that the debt belongs to me by original creditor. Each one has/had called every single day multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my concern over misleading communication practices employed by Upstart in their loan approval process in partnership with XXXX Specifically, this pertains to a {$1500.00} relief loan application I submitted in the week of XX/XX/2024. 

Upon my initial application, I received a pre-approval notification for the loan. After a week, during which there were no changes in my financial status, I submitted the application for final approval. To my surprise, the final approval email stated that I was " APPROVED '', but it also mentioned that this approval was contingent on certain undisclosed disqualifiers. 

This language is problematic and misleading. An approval that is contingent on further conditions should not be termed as a definitive " approval '', but rather as a continuation of the pre-approval stage. This miscommunication gives a false impression to the consumer. 

Moreover, the stated disqualifier for my application an increase in debt since my initial application is factually incorrect. I had not incurred any additional debt during that period. 

The purpose of this complaint is to urge the CFPB to enforce more transparent and accurate language in loan approval communications. It is crucial that terms like " APPROVED '' are used appropriately and accurately to prevent misleading consumers. The current practice of indicating final approval, while still being in a conditional pre-approval stage, is deceptive and needs to be addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express customer support person on the second week of XXXX tried to get me to give her my Bank account number. I thought it was fraud actually from the aggressive tactics she used. I reported her to Amex then all of a sudden a card that did have {$8000.00} on it was immediately cut off after this same person told me in fact encouraged me to use the XXXX XXXX  instead so I traveled to XXXX. 

I tried to use the card that they told me to use and I got stuck in a city without use of a credit card to secure a room. THIS IS AN UNFAIR AND XXXX  BUSINESS PRACTICE. I WOULD HAVE NEVER USED THE CARD. THERE IS A SNOW STORM COMING AND I BASICALLY HAD NOWHERE TO STAY. 

I AM XXXX XXXX  AND I BELIEVE THIS IS ALSO A MATTER OF XXXX DISCRIMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Today XX/XX/XXXX XXXX, I ( XXXX XXXX ) was contacted by a representative of XXXX XXXX XXXX XXXX let me know legal action would be taken to collect debt that was only recently brought to my attention. I go to look about this debt and have found it was sold to them from Citi Bank, further investigation found the account opened in XXXX, not by me, but by my mother XXXX XXXX. Found she was listed on my credit report as secondary name, since put in a report to have her name removed from the credit report. My name is also spelled wrong, which i also put in a dispute for. I am not the owner of this debt, i am not the account owner nor do i have access to the account. I do not have a citi bank card nor have i ever. Please let me know the action i need to take to prove this. 
In XXXX i was a XXXX in XXXX  living off of my XXXX refund, no access to a card at all. this is impacting me and my life negatively and the contacting from collection agencies i feel are harassing 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 explanation
Consumer complaint received 2024-02-12 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: Self Financial Inc.
State: PA

Complaint narrative:
No one helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I have been making consistent monthly payments that I can afford. While these payments have been taken/accepted by 1st Franklin , according to them, I'm behind in payments. Instead of reworking the payment based on the remaing balance, they continue to harass me even after being told of my recent XXXX and inability to pay initial amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
No one helped me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX 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 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: IL

Complaint narrative:
I have received settlement offer letters from XXXX XXXX XXXX XXXX ; Monarch Recovery Management , Inc., and XXXX XXXX XXXX, XXXX all offering settlements for an account with XXXX with XXXX XXXX. They have all offered different amounts for settlement. Client services never even stated the amount owed on they debt they were trying to collect for. they just offered a settlement They have never provided any documentation about the debt owed, any signed contracts of the debt owed, or proof that the debt belongs to me by original creditor. Each one has/had called every single day multiple times a day.

Company response to consumer: Closed with explanation