vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: WY

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in XXXX XXXX. XXXX ( XXXX ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible XXXX Given the lack of recognition and the absence of verifiable information, I suspect this account XXXX be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made XXXX deposits to XXXX XXXX. XXXX deport for {$9300.00} on was initiated through XXXX on XX/XX/XXXX and hit the account on XX/XX/XXXX. A XXXX for {$9000.00} was initiated on XX/XX/XXXX hit the account on XX/XX/XXXX. On XX/XX/XXXX, both of these deposits are on hold. It is highly inappropriate that after a transfer initiated on XX/XX/XXXX is not available on XX/XX/XXXX. 

The bank indicates that there is a special policy for the first XXXX days of the account which allows them to hold funds for up to XXXX days. This is not disclosed in their funds availability disclosure or their account product disclosure. The only thing the bank cites to support their behavior is a FAQ on the website. That is not appropriate communication as it communicates different information than the content of the official disclosures. 

FUNDS AVAILABILITY DISCLOSURE : XXXX XXXX XXXXXXXX SAVINGS PLUS DISCLOSURE : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I ordered a XXXX watch online from a dealer in the XXXX. The online website was XXXX. The cost of the watch was {$6300.00} Affirm financed the transaction and I am to make 18 installment payments. The watch was determined to be a counterfeit and seized by US Customs. I notified Affirm of the XXXX and provided them with documentation. The counterfeit watch was determined to have a value of {$100.00}. Affirm will not void the the loan and is demanding payments. Affirm tells me to speak to XXXX, and XXXX tells me to speak to Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX has not provided any form of signature or valid documentation that I signed for debt. You have continued to report an account that has already been removed by XXXX, XXXX and XXXX as it was proven to be incorrect. You are continuing to report an incorrect debt to transunion with XXXX proof of validation. FCRA violations have continued despite the fact that you have been notified of incorrect debt. You have no legal right to hold a fraudulent debt to my account that has previously been removed by all other reporting agencies

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX Dear CFPB, My name is XXXX XXXX and I want to dispute a hard inquiries made on my credit report XX/XX/XXXX by EXETER FINANCE LLCXXXX XXXX 
This hard inquiry was made by a car vending company called XXXX, who said that they needed to run credit checks, which counted as hard inquiries against my credit, to qualify for a car purchase. 

After I agreed and they ran the credit check, which counted as a hard inquiry on my credit report, I was informed that the car was no longer available so I chose to not work with this company and purchased another car from another company and financed it through another bank. 

As a result of XXXX misleading auto sales practices, I now have XXXX hard inquiries that are significantly impacting my XXXX XXXX and I would like them removed immediately. 

After reading reviews about XXXX, I discovered this agency has very questionable integrity. 

Thank you for your prompt support in removing these inquiries, so I can enjoy the comforts of a good credit score that I deserve. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: GA

Complaint narrative:
I contacted Transunion for the past month to correct my credit file I was told I had a mix file with information belonging to someone and that they would send it to the back office for maintenance and the accounts XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX would all be removed from my file in XXXX hrs as oh XXXX XXXX which its now XXXX XXXX and nothing has be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
A hard I inquiry from NetCredit was put on my report on XX/XX/year> for XXXX. There wasn't supposed to be any hard inquiry plus the portal said I was approved and then email said I wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I didn't realize what loan company I decided too get a loan from actually was, I've paid more to my loan then I have ever thought I would. 

My loan started of XX/XX/XXXX due from my spouse losing her job and I needed some fast cash too stabilize us I didn't realize till now how much I have actually paid to the load and even though I asked for 2 other cash advances I didn't expect too or wasn't informed properly about how much it would impact me.

they charge a 10 % fee from the addition amount that you request, then set up bi-weekly payment 's then charge a 5 % fee on top of what you pay then use the remainder to pay the loan.

I have all pay statements including bank account withdrawals to back me up in this matter due from trying to build my credit. Its now XX/XX/XXXX and my payment amount is still XXXX dollar 's and has not changed no matter how much I've been paying.

I've tried calling but they won't due anything they just try and inform me about how they operate and how they get there money, there is no help other then letting it go into collection 's or getting a small loan through a bank to settle the amount in one swoop.

I am now hurting a lot now and am still living pay check to paycheck because I wasn't informed on the impact this loan would bring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX XX/XX/year> I call Chime to dispute XXXX unauthorized transaction totaling {$890.00} the dispute # XXXX was deny on XX/XX/year> no reason in email. I called to re openly my dispute on XX/XX/year> my claim was reopen claim # XXXX. They asked to provide any supporting document to support my claim so I provided a copy of the official letter from another debit card that I dispute the unauthorized charge on the same XX/XX/year> from the same merchant that I did not authorize thebcharge and they gave me back my money. XX/XX/year> received second deny email from Chime with not reason why the deny. Called Chime @ XXXX XXXX on XX/XX/year> and re open my XXXX dispute # XXXX. Requesting a full refund totalling {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect reporting

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently initiated a dispute regarding a tradeline on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that information providers furnish accurate and verifiable data. The specific tradeline in question has been reported as " ND '' ( No Data ) for the past XXXX months by the data furnisher, indicating a prolonged absence of any reported information. In my dispute, I emphasized the FCRA 's requirement for truthful and complete reporting, highlighting that such prolonged non-reporting could inaccurately reflect on my credit history. I have formally requested the data furnisher to either substantiate the accuracy of the reported information or remove the tradeline from my credit report to ensure compliance with FCRA standards.

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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I had filed multiple disputes with XXXX XXXX XXXX XXXX XXXX for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, XXXX XXXX XXXX respond by sending me a letter stating that they verified that this account belongs to me- XXXX XXXX XXXX XXXX  own policy XXXX Liability Protection - XXXX Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, XXXX XXXX XXXX XXXX  act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether XXXX XXXX XXXX CARD SERVICES does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want XXXX XXXX XXXX to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My PayPal account was flagged & restricted for the second time on XX/XX/year> after purchasing a rug on XXXX. PayPal claims that the User Agreement or Acceptable User Policy was violated. But they refuse to tell me how or why that happened or what i did wrong. I've even contacted the XXXX XXXX XXXX for help with this matter ... no resolution. PayPal requested that I submit additional information about my last few transactions in order to resolve my account, and that my account would be reviewed in 2 days. I submitted the information requested right away ( on XX/XX/year> ), but its now been 2 weeks and nothing has changed. I received an email from PayPal today XX/XX/year>, asking me to sign a " compliance affidavit '' in order to restore my account. I have no issues with signing the affidavit but I do not agree with the terminology & verbiage of the affidavit. It states that I've violated PayPal 's and/or policy " again '', and insinuates that ive committed illegal transactions or Fraudulent activities... which is completely false! I've had my PayPal account for about 10yrs and I have never done anything illegal, fraudulent nor sold any goods & services with my PAYPAL account. I do not understand how PayPal can restrict my account, withhold funds or limit access to my cards on file without providing me with information of what happened nor verify or prove what is it that I've done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My wife just filed a complaint to you earlier today. This complaint is about the same thing. Transworld Systems is reporting a fraudulent account on my credit report. It is an account which was opened illegally, and I have nothing to do with it. Just like my wife, I signed a fraud affidavit and made a Sherrif 's report. I submitted them to the collectors and credit bureaus to let them know I was a victim of fraud. Like my wife, all accounts were removed from my credit report in XXXX. Again, like my wife, XXXX XXXX XXXX reassigned a fraud account to Transworld Systems in XXXX. We have never lived in XXXX  or anywhere else than XXXX and XXXX. Transworld Systems and XXXX XXXX XXXX need to delete this fraud account from my report as well as my wife 's or we will both sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: PA

Complaint narrative:
by XX/XX/XXXX i just check my credit report on the diference agencys and i saw, some of my personal informartion are incorrect or innacurate.. and i have some negative accounts report in my report too. i submit letters and documents to validate the agencys are wrong..

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: OK

Complaint narrative:
Between XXXX and today there have been various emails and phone calls to Upgrade/XXXX XXXX XXXX XXXX XXXX  freeze my account. They have stopped responding and will not provide me an update on when funds will be released. I get paid bi weekly and there have been two paychecks deposited in to this account while it has been frozen. Both checking and savings are closed and they wont even let me transfer the money to the credit card I have with the same bank. Theyre ignoring me and have not been helpful on a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Veros Credit XX/XX/2019 XXXX I have previously requested that my original documents be mailed to me, but I have yet to receive a response or the documents themselves. I am still awaiting a response to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: TN

Complaint narrative:
XXXX XXXX {$19000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CATHAY BANK
State: CA

Complaint narrative:
XXXX weeks ago, I applied power of attorney for my uncle. I provided all the paperwork with my uncles signature that notarized. XXXX week later, they said they need my uncle come himself. So I provided my uncles admission report. XXXX week later, they told me they need the doctors signature. Then I provided the doctors signature when my uncle entered the hospital. XXXX week later, they told me, the doctor didnt explain why my uncle cant come himself. I asked them to send me a email to explain what they needed. They didnt respond to me over XXXX week. Obviously, they want to make things difficult. If they give me answer through email, I can ask the attorney to call them. But they did respond. I have no choose except complain at here.Thank for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
On XX/XX/2024 I purchase of XXXX XXXX from Camelback finance  dealership is XXXX XXXX XXXX XXXX the miles on the car was XXXX when I got the car. It was no work performed on there no tuneup. It wasnt even an oil change on XX/XX/2024 I had to take the car to XXXX XXXX department because the gas tank of the car was humming when I took the car to XXXX for a diagnostic. They told me the car couldve potentially blew up or catch on fire for the labor and repair parts it would cost me {$670.00} which I called Camelback finance about this matter they gave me the number to the service department which never worked no answer or anything they was more worried about the payment than me being in a car that was life-threatening they repoed the car on XX/XX/2024. I told them that I could not afford both payments to the car and to the service so I chose to pay for the car service from XXXX on XX/XX/2024. I told them that I can make the payment for the car on XX/XX/2024, but they refuse around that time they asked for half of the payment which they never have asked me before and I tried to give them half of the payment before, but that wasnt an option at the time. They sold me a lemon the purge valve was very bad the rotors the spark plugs were awful XXXX quoted me {$2200.00} for all of the cost for the repairs of everything that needed to be done on that car I called and ask if could I pay through that online portal which is cheaper it was never an option every time I asked them about it was some excuse to why the online login did not work so I just kept paying more than what I was supposed to have paid they sold me a Lemon, a bad car and played on my intelligence

Company response to consumer: Closed with explanation