vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
My name is XXXX XXXX and I am dealing with this Unauthorized collection does not belong to me, I have no knowledge about this collection accounts. 

XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We made a deposit of {$40000.00} on XX/XX/XXXX And was advised by the that this will only be available 0n XX/XX/XXXX Then on XX/XX/XXXX we saw its not available we contact the bank thy say they 2 more days Now its over 17 days and there is nobody to to talk We where counting on the and it caused us a lot of damage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACS Education Services
State: TN

Complaint narrative:
Recently, I submitted a credit dispute via XXXX Account. To which, this was the only credit bureau displaying closed accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two amounts were for the amounts of {$2500.00} and {$2600.00}. 
Facts of this matter, I disputed both separate/ collective accounts XXXX, and they both were completed by XX/XX/XXXX. I asked that these harmful documentations of closed accounts be removed from my credit report being that my student loan situation with guarantor XXXX has been corrected/reconciled. XXXX once had my account in closed/ collection status, and now lifted to open/good standing status ( consolidated account ). I expressed this through my recent dispute with this collector and they refused to correct my status as if I had a personal obligation to fulfill with them. I have no contractual agreement with ACS nor did I with XXXX XXXX. For whatever business they conducted upon the collection of my account was between them, to my lack of knowledge. The purpose of collection is to recover delinquent/ default accounts sold. This is not the case here. It seems they simply want to be compensated for their acquiring of this account, but I am not the responsible nor obligated party to compensate their interest. Furthermore, if this company is a decon to XXXX XXXX as stated, they would follow suite of the credit bureau accounts dropped against my case recently by XXXX XXXX themselves. On the date of XX/XX/XXXX, I directed a complaint towards XXXX, and the results would unveil an updated report with them removing themselves from my account in totality in weeks from the response date. Why should this act not be followed by the deacon of XXXX XXXX as ACS stated? My screenshot attachment via XXXX would reveal that ACS is my only closed/collection mark involving this case. To also shed anotheer element of light upon this case, I also found it suspicious that I was not able to find any information on this company via XXXX search. So, there has not been any contact amongst myself and this 3rd party either. I have not asked for too much, but only what is just for the betterment of my credit growth, as this has effected me for too long. It should also be noted that I was placed under default erroneously, I was XXXX from XX/XX/XXXX to XXXX [ Attachment Included ]. There was no contact between myself and the lender. This was corrected later, which is why we are currently having this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I submitted a compliant by certified mail and the credit reporting agency have not responded and verified the accuracy of my report in violation of the fair credit reporting act. EXP XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
XX/XX/XXXX  XXXX {$1300.00} I am a victim of fraud this debt does not belong to me from XXXX XXXX response Please remove this debt from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I have resided in the State of Texas since XX/XX/XXXX and maintain cellphone service in Texas. 

On XX/XX/XXXX, I received a collections letter by mail from a debt collector called XXXX XXXX XXXX ( XXXX ), who was working on behalf of XXXX XXXX, a XXXX company. 

The collections was for unpaid cellular services in the state of Georgia and opened to someone at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, Georgia XXXX. 
XXXX said the balance was {$2900.00}. XXXX said it was XXXX. Either way, I didn't open the account. I spent several months trying to get assistance from XXXX and XXXX to remove this collection account from my credit report, but neither was being helpful or quick. On XX/XX/XXXX XXXX at XXXX advised me to get a police report and send it to XXXX, which I did. XXXX insisted this wasn't enough proof of fraud. I then worked with the 3 major credit bureaus XXXX, XXXX and XXXX XXXX to remove the collections account. Unfortunately, XXXX is being persistent in trying to force me to pay for a fraudulently opened account and this item is back on my credit report now for {$250.00} with a new collection company called Eastern Account SYS. 

XXXX won't remove the debt and each time there is a new excuse. I have provided tons of personal information that as a fraud victim I am unhappy to have to share including FULL social security number, bank statements, mortgage statements, deed, car insurance and each time they've come back wanting something else because I don't have any utility bills in my name. 

Xfinity/Comcast is at fault because they admitted to opening this account without any proper identity and address verification. The customer service agent who gave me the account number and address advised that XXXX has a practice of sending sales reps to apartment complexes and opening accounts on the spot without any verification. I am a victim of their poor business practices and now they are insisting on holding me accountable for their mistake. I have submitted all requested documents 4 times to no avail. This last time they said the docs I sent timed out. 

This business needs to be held accountable for poor due diligence at account opening and even worse fraud handling processes. I am tired of being pushed around. My near XXXX XXXX XXXX is damaged and I have been denied access to start up business credit twice due to their greed and poor business practices. They should be fined and have to pay restitution to me and all other impacted consumers for the inconvenience and damage to our finances and personal lives. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, I am a PayPal customer with email address XXXX I have been a good customer of PayPal, but however, PayPal decided to put my account on limitation and asked for my photo ID, bank statement and proof of address before removing the limitation with Reference ID : XXXX When I signed up for PayPal, I already verified myself and as such, verification should not be done Everytime. 


I have supplied the documents needed to PayPal to remove the limitation but PayPal has refused removing limitation on my account and as such, I had to file this complaint. 

I need PayPal to resolve my issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey it has come to my attention XXXX reported transactions on my consumer report XX/XX/2022, XX/XX/2022, and XX/XX/2022 between XXXX  XXXX ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey it has come to my attention Experian reported transactions on my consumer report between XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
the rewards acct was debited by the XXXX car dealer for XXXX in XXXX of last year The Dealership reversed the debit and credited the XXXX back on the card XX/XX/XXXX  The company commenity XXXX rewards visa instead of crediting the rewards acct, debited it to show a negative balance of XXXX instead of a positive balance, They tell me they have been working on for the past 80 days and that they have 90 days to resolve, I have uploaded all the transactions and copies of reciepts for each transaction with the approval numbers etc These XXXX XXXX say it takes 90 days I am owed a debit for the negative balance of XXXX plus a credit for XXXX to bring me positive account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Signed up online for a checking/savings account with {$600.00} bonus. I tried to fund the account with an external bank transfer within the chase app, but that was denied by chase fraud department, they claimed that they are having a system issue and external transfers are not working properly. They said I could either go into a branch or fund via a deposit check online. I deposited 2 checks ( {$7500.00} each ) total of {$15000.00} for the savings and the checking account. The checks cleared my bank last month XX/XX/23, however Chase put the funds on hold until XX/XX/23. I logged in after this and found my accounts had disappeared. They now state they are keeping the funds indefinitely and have refuse to return them to my external bank ( citizens ), send me a check to the address on file, or apply to my account. My only option is to go into the bank ( not local ) and prove my identity before releasing funds. Numerous calls have resulted in the same answer that Chase will hold my money hostage until I go into one of their branches and plead my case for it's return. 
The external bank I originally created a transfer from and the account that these 2 checks cleared has been used to pay multiple CHASE credit cards for years. They have withdrawn automatic credit card payments from this bank probably 100 times. the fact that this bank can solicit me to open an account with a {$600.00} bonus and then flag my deposits and hold unto them indefinitely until I go into a branch that is not local and prove myself to them. They have called me several times since then and verified my identity, as they discussed this matter, which they claim is a that the " back office '' flagged the transactions and they are going to keep them until I prove they are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My Wells Fargo bank account was due to get my direct deposit. I got the paystub from my job, showing it was pending ( the deposit ). My banking app showed the transaction pending as well. This morning, upon checking my account, it showed {$0.00} in both my checking and savings account! The transactions show that they applied overdraft protection from both my savings account and credit card. I DO NOT want this as this should NEVER have occurred. I do not want over draft protection impacting my credit score negatively! This is apparently happening across the country too! Please help me find a way to rectify this situation as nothing seems to make sense at all with my account statement ( i am very very careful ). 

Best, 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 monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting inaccurate and inconsistent data. I have contacted them directly along with the credit bureaus requesting verification and validation of debt and have only gotten a letter from them with a settlement offer. This account is also reporting inconsistent data as far as when the account was opened and has different last active and payment dates between each bureau. 

This account was originally reporting to all three bureaus but XXXX deleted this inaccurate account from my reports obviously because they saw that there was no proof this account belonged to me. XXXX XXXX XXXXXXXX could not even provide me with sufficient documents on how they believe this account is mine, instead they sent settlement offers which indicates they most likely can not verify this debt. 

How are Transunion and XXXX able to verify this account as accurate when XXXX XXXX  XXXX can not do so with me and XXXX could not verify this account? It is the responsibility of the consumer reporting agencies to report 100 % accurate information over the FCRA and they have not done so. I am demanding that this account is deleted from my reports now!

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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