vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there XXXX different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. XXXX is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? XXXX, and Transunion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : 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 2024-06-02 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there two different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. XXXX is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? XXXX, and XXXX failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : One Main Financial Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one closed all 3 of my accounts in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX at the time and they just closed my accounts with out warning. Now all 3 of them are being reported as late or as charge offs. 
The charge off accounts I would like to offer them a pay for delete where I would pay the account and then they would remove it from my credit report. 
The late account I would like to offer the same. I would pay it off if they delete if from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages. 

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report. 

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I was with Mohela as I am working toward PSLF. I made 2 payments in XXXX of {$1000.00} each. There were notices that there'd be account transfers but no set dates I did not request a change in service or account management this was initiated by Mohela. On XX/XX/XXXX I paid {$1000.00} and my balance was correct on the old mohela site. On XX/XX/XXXX I sent another {$1000.00} and my balance again updated correctly to {$24.00}, XXXX After making that last payment in XXXX I had been unable to log into my mohela account and received a pop up that my loan was in the transfer process. I was finally able to long in on their " new '' platform and my loan is now {$26000.00} and I can't log into my old one. I never received statements from them and I want to know how or why my balance increased by XXXX and why I am no longer allowed access to my old account so that I can SEE previous balances. I should not be subject to any fees and what I have paid has been above requested monthly payments so this should not be compounded interest either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AR

Complaint narrative:
When I opened my account with chime they didn't give me sign up or referral bonus or a bonus for setting up direct deposit payments. I tried talking to customer service about this and they act they don't understand what I am talking about but I did in fact sign up for chime by being referred and I did set up direct deposit and customer service won't fix it. I can provide proof of this if I need to submit documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
On XX/XX/year>, I opened XXXX Certificate of Deposit ( CD ) accounts with MidFirst Bank for my mother ( I was acting as her Power of Attorney ). I was told by the bank representative that when my mother passed away ( deceased ) the only documentation I would need to close her CD accounts was the Death Certificate. Upon my mother 's death, I tried to close the CD accounts and was told by the same MidFirst bank representative that I now needed additional documentation ( i.e. a court document ) beyond the Death Certificate in order to close the aforementioned CD accounts. I would have never opened these XXXX accounts in the first place if the bank representative had been forthcoming with all that would be required of me to close these accounts after my mother 's death. 

The bank representative was either withholding information in order to gain access to new monies being transferred to MidFirst Bank ( which is fraud ), or the bank representative was ignorant of everything that was required from the bank ( negligent fraud ). Midfirst Bank is currently withholding the XXXX CDs ( totaling {$120000.00} ) refusing to close the accounts until I produce a court document ( they have not specified what court document ) thus forcing me into probate court costing me a lot more money and time all because of their banking protocols. I am the only surviving heir to my mother 's estate and can prove that fact with other documentation that does not require court appointed probate, but MidFirst Bank refuses to even consider these other considerations.

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 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Your company is in violation of my consumer rights You are attempting to collect a debt. 

Please provide a wet ink signature between you and me. 

Under 15 usc 1692cXXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 

15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hindered my ability to obtain credit.

Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal sent a request for me to apply for a business line of credit on XX/XX/2024 saying I was eligible for a loan. I have worked with them for 10 years with XXXX XXXX XXXX XXXX, and have paid back on time over XXXX of loan amounts with businesses. 

They said it was a soft pull so I am expecting to not see them as an inquiry. 

they turned me down using not true data and credit scores of XXXX with XXXX. 

Key factors ( see attached ) show credit lateness which I have none show debt ratio off, which i have 30-50 % with all credit and not long term credit -- I am XXXX and my XXXX report shows me with exceptional credit with long term credit, i have had credit for over XXXX plus years ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self refused to process payment already sent to the lead bank the holder of the loan agreement and is stating that the payment is received 30 days late when it was sent and already received 30 days ahead of schedule violating. Contract agreement as a fiduciary and POA agreement by closing a account with out processing my security interest submit for billing error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Jefferson Capital System, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached
by Jefferson Capital System , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Jefferson Capital System, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Jefferson Capital System , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Opened Marcus Savings Account XX/XX/year>. 
Transferred funds XX/XX/XXXX and account showed funds were cleared XX/XX/XXXX. 
XX/XX/XXXX made a transfer request of {$3000.00} to an external checking account and transfer was successful. 
XX/XX/XXXX made a transfer request of {$5000.00} to the same external checking account. 
XX/XX/XXXX received phone call from Marcus Bank Representative stating the transfer of {$5000.00} could not be completed. When I inquired the reason it was stated because the account was just opened the funds would be held for an indefinite period of time. They stated it was on page 7 of the DDA, but when I asked them to read it to me, it was not clearly stated. But they informed me if I transferred it back to the original account that funded my Marcus Savings account that would be possible. I stated that made no sense that I could transfer to one account but not another. I asked to speak to a supervisor. Supervisor told me because it was a high-yield savings account funds should be kept long-term. I asked why I was able to make the first transfer without any issues and she stated because the computer did not catch it. Then she asked multiple times what I thought would happen if I was transferred to a supervisor when it was already explained to me that the supervisor would not be able to do anything. A completely irrelevant and rude question. 
MARCUS BANK FAILED TO PROVIDE IN WRITING WHY MY TRANSFER COULD NOT BE DONE AND REFUSED TO GIVE ME A DATE WHEN MY FUNDS WOULD BE ABLE TO BE TRANSFERRED. THEY ARE ESSENTIALLY HOLDING MY FUNDS HOSTAGE WHICH I AM CERTAIN IS NOT LEGAL. THEY MARKETED THEIR SAVINGS ACCOUNT AS IF WITHDRAWALS/TRANSFERS COULD BE MADE AT ANY TIME BUT DID NOT DISCLOSE THAT THEY CAN HOLD ONTO MY FUNDS FOR HOWEVER LONG THEY WANTED WITHOUT LEGITIMATE REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-03 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: Medical Data Systems, Inc.
State: DE

Complaint narrative:
Hello, I recently reviewed a copy of my credit report and was in awed that I have been a victim of identity theft. I have found numerous accounts on my credit report that we not opened by me. This has been hurting me in the process of buying my forever home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion, and XXXX are all reporting my XXXX XXXX XXXX loan as XXXX late payments and charged off. That is incorrect.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, and XXXX are all reporting my XXXX XXXX XXXX loan as XXXX late payments and charged off. That is incorrect.

Company response to consumer: Closed with explanation