vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I signed up for a membership for XXXX in hope of increasing the amount of money I can borrow and turns out that I lost money to borrow. The plan that they advertise is false and now paying additional money for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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:
Dear TransUnion, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained on XX/XX/2023 through the authorized channel, XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to challenge the presence of this bankruptcy in my credit report. The dates of filing and reporting, as well as the closing dates, do not match. This is particularly troubling as I have a court letter clearly stating that this bankruptcy should not be reported to you. Additionally, the involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened up a chime account so i could have my pay direct deposited to this account. I havent received a card and i needed access to the money deposited to my account. So i XXXX how to talk to a chime representative and called. The number i called was supposed to be a chime representative to help me get access to my money without having my card yet. That number was XXXX. I talked to a guy named XXXX XXXX and he was walking me through the process. We got to where i thought we were almost finished and got cut off. I tried to call back and the person that answered asked me what happened and then he hung up on me. I called again and the same thing happened. So i immediately checked my chime app and my money has been taken out of my account. I found a number to the real chime customer service and talked to them and told them what happened. They then filed a dispute and said not to worry that it would be taken care of. I provided them with all the documentation that i had with the fraudulent representative. I got an email about two hours later and it said that they had denied my claim and that nothing had happened. I resubmitted a recital and it too was denied. So i was out {$290.00} because of this. Well before this all happened i had transferred {$100.00} to my husband. I got an email yesterday that said that the money sent to my husband was sent back to me and was in my chime account. Then i received an email from chime saying they were closing my account and that i didnt have access to the money in the account. I dont know what to do but i have documentation for all this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TN

Complaint narrative:
Dear Experian, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained through the authorized channel on XXXX from XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I urge the bureau to start an investigation into these accounts as they are reporting me as late, despite my timely payments.

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 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I PURCHASED A VEHICLEXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FROM XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX FL. THE SALESMAN TOLD ME THAT NOT ONLY IS THE VEHICLE PUT THROUGH A RIGOROUS INSPECTION, BUT IT ALSO COMES WITH A 24-MONTH WARRANTY WITH A XXXX DOLLAR -DEDUCTIBLE. 
XXXX XXXXXXXX ALSO ADVERTISES THEIR IN-HOUSE FINANCING WITH MID FLORIDA FINANCE LLC WHICH IS THEIR FINANCE COMPANY. 
FAST-FORWARD I WAS DRIVING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. WHEN THE CAR STARTED XXXX AND DECELERATING. THE CAR STOPPED RUNNING ABRUPTLY AND I HAD TO QUICKLY MANEUVER IT TO KEEP FROM BEING IN THE BUSY XXXX XXXX XXXX 
THE CAR XXXX PREVIOUSLY, BUT I THOUGHT IT WAS THR GAS. 
I WAS STRANDED OUT THERE FOR 4 HOURS, LEFT THE CAR OUT THERE TILL THE NEXT DAY, AND HAD IT TOWED TO THE MECHANIC THEY RECOMMENDED ME TO. HE TOLD ME HE HAS CARS COMING FROM XXXX XXXX EVERY D AY FOR REPAIR. 
I WAS LAYED OFF ON XX/XX/XXXX AS AN XXXX. I EMAILED MID-FLORIDA FINANCE LLC AND EVEN UPLOADED MY UNEMPLOYMENT COMPENSATION INFORMATION WITH THEM. LATER I FOUND OUT THAT THEY DO NOT CHECK EMAIL BUT CAN CALL YOU WITH HARASSING PHONE CALLS AND THREATS. 
I WAS WITHOUT A VEHICLE FOR OVER 2 MONTHS, IN THIS WAS NOT MY FAULT. I WAS UNABLE TO WORK OR LOOK FOR WORK, MISSED DOCTOR APPOINTMENTS, WAS STRESSED, AND WAS EMBARRASSED DUE TO THIS SITUATION. 
ALL MID-FL WANTED WAS MONEY IN MY SITUATION, GRANTED I LET THEM KNOW THAT I FOUND A JOB AS A XXXX XXXX, AND WILL START WORK ON THE XXXX OF XXXX. 
IT IS AMAZING HOW I PAID THEM THEIR MONEY AND HAD TO WAIT TO GET CAR BUT THEY CAN WAIT FOR ME. I FEEL THEY KNEW THE CAR WAS A LEMON OR NEEDED A TRANNY, USED ME TO GET IT FIXED AND REPO VEHICLE TO LATER RESALE. 
I SEE THEM AS A PREDATORY LENDER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was over charged, {$99.00} at least five times. A reversal was supposed to happen my bank say the money already went back into my account. however they have no proof and I never seen the money back.

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 2023-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems continues to report an inaccurate entry to all 3 credit bureaus XXXX charged me a {$450.00} early termination fee even though I fulfilled the full term of my contract with them before closing the account I have phoned, emailed, and faxed XXXX over 30 times according to the instructions given by them or one of their collection agencies with a response. XXXX changed collection agencies 4 times and 3 times in a 90 day period and continues to report this as a collection account. I've attached proof of my 6 months term and have all emails, faxes and phone calls recorded for litigation and damages Transworld refused a pay to delete offer. 

Entry to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
Annual Interest rate is 25 % when I got approved for the loan on XX/XX/2019 at XXXX for the car although I had a low paying full time job and terrible credit. That makes my bill {$550.00} every month, and if I have a late payment an extra $ XXXX per month, on top of the {$6.00} processing fee for when I have to go online to make a payment. I believe they also charge the {$6.00} processing fee for if I make the payment over the phone.My finance charge is {$19000.00} in expenses due to this 25 % charge. Ive been making payments on this high interest note with late payments, and processing fees included so my bill is current. However, I feel like I should have never had a 25 % annual interest rate charge in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Review the attached documents. I want the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reported as such.

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by " XXXX  '' limited which involved me making deposits for a total amount of XXXX XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
Citizens Bank sent tax escrow payment to wrong address. Specifically, the zip code is incorrect. Citizens Bank has a zip code of XXXX showing for XXXX XXXX XXXX XXXX. The correct zip code for XXXX XXXX XXXX XXXX is XXXX. 

See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
I called Experian to get my credit report on XX/XX/, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that Experian is violating the FCRA.

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 2023-12-15 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-15 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I have been receiving debt collection notices by email for a few months all of the sudden. I have never heard of this company before and they claim I owe them {$130.00} on a lease. I have never had a lease with this company called XXXX XXXX. So I looked it up and it is a property that my mom and I APPLIED to almost 3 years ago, whose name has been changed since then, and whom claimed we owed them application fees when we had proof that it was paid! We went back and forth with them for weeks about this and, finally, they stopped. Now, years later, I get this fraudulent collection notice. I can not dispute it with the collection agency as they require me to provide them with a unit number that my " lease '' was under but I never lived here. We applied only and ended up getting a house instead. I also have no bills that were in my name at the time of this for proof of residence as I had just moved back to NC and lived with my mom at the address these people have listed on the collection notice. They also want a copy of my DL, which I am not giving them, as well as a copy of a police report, which I don't have because up until XXXX months ago, I was under the impression that this situation was resolved as we don't owe these people a dime! I will have to attempt to find the former name of this leasing company, then search through all of my emails for the last 4 years, and hope that the old ones didn't get auto deleted from my inbox showing that the payment for the application fees went thru as well as all the emails we had with this leasing company when they tried to take the paid leasing fees out of my bank account, fraudulently, multiple times after they were paid originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.

Complaint narrative:
There were two fraudulent charges made on XX/XX/XXXX for {$53.00} and XX/XX/XXXX for {$35.00} by XXXX XXXX. 
I reported to Chase credit card for review on XX/XX/XXXX and I was told not to make a payment. 
Since then I have called Chase for update 6 times and nothing has been done. My online account has been blocked and receiving emails for past due payment which is hurting my almost perfect credit score ( XXXX ). 
I have been living overseas since XXXX and very costly to make international calls. They continuously tell me to wait 48 hours for review but its been 3 months of waiting. Please help me resolve this issue with Chase credit card. Thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 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: AL

Complaint narrative:
I have 2 auto loan accounts reporting that do not belong to me. I never opened either of these accounts. I have an idea who opened the account ( maybe some relatives that used my information ). I do a lot of traveling with my job and I am never home that much so I am guessing that someone that was living with me opened these accounts. I guarantee that these finance company do not have my actual signature on file because I never open these accounts.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Dear Equifax, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained through the authorized channel on XXXX from XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b. 
As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.

Company response to consumer: Closed with explanation