vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: NY

Complaint narrative:
Explore Credit deducted {$110.00} from my bank account using a fraudulent check on XX/XX/23. I have never had a loan with the company, and do not know how or why they had my banking information. It has been 11 days and they company still hasn't returned to money or offered an explanation. They claim this was a " glitch '' in their system, but I do not understand why I was in their system to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
The debt collector did not conduct an appropriate investigation when I disputed the debt. The invoice for carpet replacement precedes my tenancy in the apartment in question by XXXX years ( as indicated on my lease, which the company has ). The invoice is from XX/XX/XXXX and I resided in the unit from XX/XX/XXXX to XX/XX/XXXX. The original creditors, XXXX XXXX XXXX has never provided any proof of damages other than the invoice which is not from my tenancy. Also but, XXXX was aware that the amount they submitted to collections would have been incorrect even if the debt were legitimate, but they sent it anyway. The original bill submitted to me included a pro-ration credit of 6 months, but the carpet was 23 months old at the time I moved out. They also had differing stories as to the nature of the damages and attempts to clean or not clean it and refused to furnish any proof of damages to me. Even if the debt were valid, the pro-rated amount in incorrect by a material amount and anyone with a XXXX grade ability to do fractions could see that blatant error, meaning that A ) they knowingly tried to collect a debt that was not mine as the repair invoice did not correspond to the period of my tenancy nor after it and B ) they knowingly reported an incorrect amount to the credit bureaus as they were made aware of the material pro-ration error. Additionally, the collection 's agency refused to return my calls or to allow me to speak with anyone to address these errors. This debt is from a previous tenant and that is why they do not have a current invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is inquires that 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 to be blocked and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. 

To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. 

However, despite our divorce decree clearly outlining the allocation of debts, XXXX XXXX XXXX continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. 
Cease and desist all collection activities : I insist that XXXX XXXX XXXX immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. 

Sincerely, 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 2023-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need the negative item removed from my Experian report ..it has met the longevity requirements and needs to be removed .has been deleted form previous credit agency

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 2023-07-13 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: OH

Complaint narrative:
On XX/XX/2023, my private student loan provider XXXX, was supposed to take a scheduled payment from my bank account as they have in the past. XXXX sent XXXX test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company XXXX never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank XXXX XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company XXXX never actually pulled the funds. As a result of XXXX not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to XXXX several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank XXXX stating the issue was not mine or the banks but the issue was with XXXX not taking the payment from my account. 
Attached are bank statements showing XXXX sent test payments to my bank but never pulled the payments. XXXX admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank XXXX who also confirmed our bank account was active and did have the funds but it was XXXX who neglected to actually pull the payment.

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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to XXXX XXXX XXXX for his assistance in this matter.

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 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: KY

Complaint narrative:
I opened an account with XXXX, an online payday loan application ( their website touts it as a " cash advance '' but you're really just borrowing money from your payday UNTIL your payday ). Regardless -- I opened an account with them in XX/XX/XXXX. I paid a {$1.00} fee and connected my bank account through a third party website and began to utilize the services. You see, you connect your bank so your recurring deposits can detect your paycheck and the system can ensure you're paying your advances back on time and not until your paydate. If you're paid monthly, your balance settles monthly. If you get paid bi-weekly, it settles bi-weekly. I myself am paid bi-weekly and took my first advance XXXX XX/XX/XXXX with no issue. I paid it back as agreed ( I borrowed in the middle of a payperiod ) on Friday, XX/XX/XXXX. I took another advance on XX/XX/XXXX and was surprised when it came out of my account on the XX/XX/XXXX because my profile reflected that I am paid bi-weekly and wasn't expecting to have it paid back until the following week. I contacted XXXX support and was advised to make sure my income was correct and to let them know next time and they could change my advance date. 

Since then, I have had to submit a ticket EVERY TIME I do an advance to change my payback date. My income is correct in my profile, my check stub has been verified I have done every single thing they have asked me to do and sometimes if I don't catch their support team in time ( like today, I took an advance out XXXX days ago that I saw is going to settle tomorrow, again in between my paydates ) I was advised they wouldn't change my payback date because it was already too late. I'm paying a fee EVERY time a payback is made. Every single time. Their website says that you can take advances until your paydate and to pay back on your paydate and their software is integrated so that it's supposed to detect your income. It all just appears to me that this is an online company taking advantage of consumers by charging them extra fees when they advertise differently. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have attempted for months with no resolve to collect my US Bank credit card rewards. 

There were at least XXXX attempts by me to get the resolved on the phone prior to the complaint directly with the bank around an hour on the phone with multiple transfers. 

US Bank Case Number : XXXX opened XX/XX/XXXX nothing resolved Call : XXXX Hour XXXX minutes on XXXX XX/XX/XXXX ( transferred multiple times ). I was told the account ending in XXXX is a billing account and the other rewards card attached was closed in XXXX ( that when it was open, see attachment ). I asked for the manger to provide me a date when it was closed and was told the bank closed it not me. My statements every month keep generating rewards which I believe was a way to keep me using the card. I am still using the card daily so it does not make sense the card is working.

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 2023-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Attention : XXXX XXXX Department Dear Sir or Madam, RE : Investigation into Fraudulent Accounts I am writing to bring your attention to a matter of both serious concern and urgency. It has recently come to my notice that two accounts have been fraudulently opened with XXXX XXXX XXXX, using my personal information without my knowledge or consent. This outrageous act of identity theft is not only a violation of my rights, but it also tarnishes my excellent credit history. 

Under accounts, which I neither authorized nor recognize, transactions have been taking place that are negatively impacting my credit scores with the major credit bureaus. I categorically deny owning these accounts and emphatically state that they are the nefarious work of an identity thief. 
Pursuant to 605B of the Fair Credit Reporting Act ( FCRA ), I demand that you immediately block these fraudulent accounts from my credit file. I am appending a copy of a police report that substantiates my claim of identity theft, furnishing the legal requirement per the FCRA.

Further, I request an expedited investigation into this matter and expect prompt deletion of these fraudulent accounts on your part. The unauthorized accounts should be removed from all credit reporting agencies, including but not limited to XXXX, Experian, and XXXX. 

Failure to act promptly and dutifully to this request will leave me no choice but to take the necessary legal action to protect my rights. I am ready and willing to cooperate and provide any additional information you may need during your investigation. 

I anticipate a swift resolution to this situation, reinstatement of the truth, and restoration of my credit standing. 

Thank you for your immediate attention to this matter. 

Yours Sincerely, XXXX XXXX Attachments : Copy of Police 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 explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
Pulled personal credit reports due to trying to buy a house or even rent. Found hunter warfield on credit reports for {$5400.00}. Called to get online access to view what the account was for and first was told online wouldnt allow me to see the information about the debt and that only the lady on phone could assist with settlements or information. Then after resetting my intent and needs she gave me the account login and access code. I went online and there was no direct information In regards to the debt just options and o do settlement. Since my kids and myself are homeless I went ahead and look at what settlement offers available just to be able yo show potential lenders or landlords that I was working on it but the settlement offer was not reasonable so I called back. I got the same lady and explained the situation again, told her what I could afford to pay off immediately but she stated that wasnt enough and that the debt was going to court if not paid by XXXX XXXX. 

I then stated I dont even agree with the amount of the debt and she said that she would forward to internal disputes and someone would contact me yo get more info. This was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone. This debt on my reports is causing my family to continue being homeless. I did record every phone call on video to ensure I was able to verify info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This account was opened online without my permission as a result it was also closed within 60 days of opening by Bank of America. They also reported this fraudulently on my consumers reporting act, and on my credit score I have now become a bankable with normal banks because of this. Theyve made no attempt to correct this once Ive contacted them. During this time, several checks were attempting to be cashed or deposited into this account by the individual or individuals that open this account at via online access. This was not an account opened in person at a branch. This was done strictly online, using my information which was obtained fraudulently. All transactions were also done via the ATM or through mobile banking. Bank of America has had a long history of causing issues for its customers and creating acts of fraud for their own interests. This may be a case of that here, or of an individual simply opening account in my name, and using it to their own means, and will either case I do not care. I simply want this corrected as I am a victim here and not the perpetrator.

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