vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023 my credit report showed an inquiry from XXXX XXXX XXXX XXXX XXXX ). I am unaware of any contract with this company & there has been no permissible purpose for this inquiry made clear to me. I am requesting full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this inquiry accordingly & the remedy to the damages thereof.

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 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Account number XXXX Erroneous account report on transunion please delete 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 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: AL

Complaint narrative:
The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, EQUIFAX, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, EXPERIAN ". This charge may lead to a lawsuit. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
My personal information was exposed, and my driver 's license was used to get loans and credit cards. I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.

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 2023-06-01 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: OH

Complaint narrative:
I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/2023 To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off [ XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification. 

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report. 

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements. 

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law. 

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution. 

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute. 

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I submitted my request to Mohela for refund on voluntary payments after XX/XX/XXXX paid during the student loan pause XX/XX/XXXX. The voluntary payments should have amounted to about {$82000.00}. I called multiple times to request updates, and was informed that it was submitted early XX/XX/XXXX. After more phone calls, I finally received an update that it was approved the end of XXXX. The principal balance including interest accrued before my refund request was at {$320000.00}. ( I do not have the exact balance when I requested the refund, but I did request this information from them ). I was informed that my refunded amount would be {$81000.00}. I have not received this refund yet and am patiently waiting for this to come in the mail. My principal balance including interest is now {$420000.00}, which does not add up as there should not have been any interest added during the pause. I submitted for a dispute and was provided a case #. I called XX/XX/XXXX for updates on this case #, the refund, and was informed that they do not have this case # in the system. I am just appalled at how unorganized everything is with Mohela, the payments, the inaccuracy of my loan amounts and do not know how to address this now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a 401k loan check iao {$1500.00} XX/XX/XXXX. 
I spoke with a supervisor XXXX on the XXXX that told me my funds would be available the next day. 
Funds were not available XX/XX/XXXX. 
I called and spoke with a rep XX/XX/XXXX that told me my funds are not available because the issuing bank says they are not available. 
I called the issuing bank and they said of course the funds are available as the funds are a loan against my 401k account. Which Im already paying back and dont have access to the funds. 
I got the loan to pay bills I knew were due at this time. Because my check is being held my water has been cut off. My internet has been cut off and XXXX XXXX XXXX XXXX. My car note is now late and my power will be cut off on the XXXX of XXXX. 
There is no reason my loan check from my 401 k account should be held up. Its not only my money but its my money Im already making payments back to myself on. This has ruined my eligibility with the connectivity program to get my internet at a discounted cost. I havent been able to bath and the worse of all I have not been able to work so Ill be in even more depth. 
My funds are available! My funds are good! There is no reason my 401k check should be held up. I could have had the check cashing store cash my check immediately but I trusted chase. But now youve ruined my life. Please release my funds. At the very least create a new process for a 401k check. Its my money 3x over. Your reps should have not lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: OH

Complaint narrative:
I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, ACCT # XXXX, and ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am unable to close my account and withdraw my funds from TD bank within a reasonable amount of time. In my experience trying to resolve this with TD bank, I was came across predatory practices that allow TD bank to withhold funds from customers. They have put many inconveniences, delays, and barriers that prevent customers from accessing funds in a timely manner. 

I wanted to close my TD bank accounts and had about {$22000.00} in there that I wanted to transfer out. I first tried to transfer the money through their website, but it said there was a 30 day rolling limit of {$5000.00}, so I called customer service to see how else I can access my funds and close the account. 

XXXX/XXXX/23 : I called TD bank, and explained the above situation to the representative. I asked them to close the account and issue me a check for the funds I still had in the account. They went through several inconvenient, unreasonable, and non-viable options with me : -they can only close my account if I had a zero  balance. But they could not issue me a check to zero my balance because the largest check they can send is {$100.00}. 
-withdraw funds by going into a bank : There are no TD banks in southern california where I reside. 
-withdraw funds using a debit card. This is much less secure than a online transfer, especially for substantial amounts of money. 
-withdraw funds using a check. It takes 2 weeks to order checks, compared to minutes or days for an online transfer. 
-request a wire transfer from my receiving bank : I have never heard of initiating a wire transfer this way, and tried going to two different banks, both of whom where unable to do this. This wasted time and effort. 

XX/XX/23 : Since the wire transfer did not work, I call TD bank again to discuss other options, but was told there was nothing else they could do, and that the limits are their for my own security. The limit for external transfers from TD is {$5000.00} every 30 days. This is very low. In contrast the limit for transfers in to TD is much higher, {$20000.00}. I was told that the limit is low because my external account hadn't been connected to my TD account for more than 90 days. That is a absurdly long amount of time to withhold a customer 's funds for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with explanation