vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/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 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc.
State: WI

Complaint narrative:
This company has put a lien on XXXX XXXX  owned by a separate LLC for a personal consumer loan, this is prohibiting sale of the property, Aqua finance will not move forward to remove the lien. Multiple attempts have been made for phone conversation, Aqua is not cooperative in helping. This company has also put a lien  on personal property, which has no connection at all to the work done that was financed through Aqua. Multiple attempts have been made to communicate and have the lien removed, Aqua is not cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a Citi credit card with a {$99.00} annual fee. I called them to cancel it, but they convinced me to downgrade the card to one with no annual fee. I agreed to this and went on my way. I did not hear anything again until I received notices that I was past due, being charged late fees etc. when I looked at the statement, they did in fact charge the {$99.00} fee after they said they wouldnt. I have reached out to Citi multiple times to try and resolve but am given wrong info each time. Eventually, they got {$90.00} of the annual fee removed, but say I am on the hook for the other {$9.00}. While this is not a huge amount of money, it is annoying because its not what I was told. In addition I have been reported to the credit bureaus for missed payments and Citi says they can not reverse the bad marks on my credit. I am extremely upset about the hours I have wasted on the situation to not make any progress with them.

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX of XXXX I had file disappear because I had a transactions was made on my account unauthorized no one had permission to get into my account the amount came out to be {$6100.00} I was granted instant credit but I only had received {$350.00} back on XX/XX/XXXX then XX/XX/XXXX I was granted my dispute didn't give me my phone amount of the {$6100.00} I only have received XXXX I added up all the transactions that was approved it equaled out to be {$5800.00} but I didn't get that I got the {$5600.00} and then XX/XX/XXXX my account became negative of XXXX dollars change so I called numerous times to explain to me all this what's going on about not getting my full amount of dispute money and then the granted approved transactions didn't get that amount that was shown that I should have gotten every time I would call I get hung up on wait for over 45 minutes to an hour and hung up on no one could ever answer my questions when I have questions they have no answer I would like to know what's going on with my account and where my money 's at I can not afford to just take a loss on it at all I would think it would be fair to get my full amount of credit that the money was taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I tired to deposit {$2000.00} into a 5th 3rd Bank at XXXX XXXX  XXXX XXXX XXXX Tn XXXX XXXX. Upon entering my money into the atm, the atm shut down and would not give any more information and kept the {$2000.00}. I immediately called 5th 3rd bank. I was instructed to call XXXX because I used my XXXX debit card to deposit the money. I did not know you could not use that ATM to deposit money as I do not have a XXXX branch anywhere near my home. I sat at that ATM until the bank branch opened. I went inside and talked to a XXXX XXXX who instructed me to call the 5th 3rd dispute line and file a complaint. I did that. Nothing happened and on XX/XX/XXXX I went back to the bank to talk to XXXX XXXX again. He started another claim with 5th 3rd and went through the process with the phone operator and myself to get the claim started again. Claim # XXXX. I called them back every other day for further instruction or status of claim. After 7 days I was told there was nothing they could do that I would have to call XXXX. So I called XXXX back and talked with someone who started another claim with them Claim # XXXX. After a month of back of forth with both banks I am being told there is nothing either bank can do because they can't talk to each other. XXXX says they have nothing to go by to get in touch with 5th 3rd and 5th 3rd says that they can't do anything without XXXX filing a formal complaint. Now there is video I am sure of me depositing my money in the ATM and sitting there for 2 1/2 hours until the bank opened. I am the middle person between two large corporations and feel there is nothing else I can do and I have just lost {$2000.00} for which my family needs. I have tried to handle this to the best of my ability by myself, but I am getting no where. I do have an account at both XXXX and 5th3rd bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, {$620.00} I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And According to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under the paragraph ( XXXX ) of any information disputed by a consume, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete the item or information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WESTERN ALLIANCE BANCORPORATION
State: FL

Complaint narrative:
the company Western Alliance Bank offered loan suspension because of a hurricane Then Western Alliance offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
Western alliance said I would not have negative reporting and this included during the modification process. 
Western Alliance called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

Western Alliance Bank is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to Western Alliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

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 2024-06-18 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than 30 days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than 30 days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are 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 Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. 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 2024-06-18 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:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened a Wells Fargo account to electronically transfer funds to daughters Wells Fargo account while she was in college in XXXX. Closed in XXXX. Only used account for this purpose. 
XXXX for the bank claim it was XXXX account & {$1400.00} overdrawn. XXXX XXXX is @ XXXX. Nothing comes up online for this #. He says Wells Fargo has been trying to recover the money since XXXX. I am online & not hiding, have never received anything from Wells Fargo until my daughter & brother-in-law both got audio texts from XXXX about this with XXXX phone #. The lawyers threaten to garnish my XXXX payments. They say there is a case in XXXX XXXX court. Given the scare tactics, Wells Fargos history, & the way I used the account, I believe a fraud is being perpetrated against 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 2024-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/XXXX {$19000.00} XX/XX/XXXX {$25000.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$20000.00} XX/XX/XXXX {$8900.00} I Couldn't afford the monthly payments to repay back my loans, delinquency happened because of job layoff, I've contacted them in finding better and cheaper payment plan options and yet still was payments i could not afford. student loan account were charged off or closed with no ways of making payments. I've made numerous attempts of contact in finding a resolution in making repayments that I was able to afford and they were not willing to work with me

Company response to consumer: Closed with explanation