vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability.

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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NC

Complaint narrative:
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/year> SENT DISPUTES NO RESPONSE FROM THE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
The last week of XXXX when I was getting ready to move to a new residence, I attempted to cancel the {$290.00} unlimited monthly membership with Coinbase, since I was not going to be trading much past XXXX. The membership should have only been {$29.00} that would be automatically debited from my XXXX XXXX account ending in XXXX. The app kept giving me an error, so I had Coinbase call me and I stayed on the phone for almost an hour. The rep told me they can not alter my membership, that I have to do it on the app. I insisted that someone help me since the app was giving me an error. So, I was under the impression that after my phone call my membership was adjusted. The bank account I use for this trading account is only for this Coinbase usage, so I was not paying attention to any charges, since there shouldn't have been any other than the XXXX trading transactions and the $ XXXX. Today, when I checked my account and emails, I noticed I had been charged {$290.00} per month for the past 3 months, and that the phone agent back in XXXX didn't complete the plan change. So, I went on the Coinbase app, which I hadn't been on in months, and noticed I still had the unlimited plan. I then canceled it myself and called Coinbase. I stayed almost another hour on the phone, and the rep told me that they couldn't give me a " courtesy refund ''. I told her there's nothing " courtesy '' about it, and that it should have been canceled 3 months ago. She continued to say that there's nothing they can do to give me back the {$890.00} that was debited, but that she could cancel future charges. I told her that I already did that on the app and she said she didn't see that, so she put me on hold to check. Here we go again, I canceled and she wasn't even aware. This is an issue. So, she confirmed that I had lowered the plan and I told her that XXXX XXXX XXXX they won't do anything about the past month 's charges, and I disconnected the phone. Now, I'm filing a complaint through you, so that this can get resolved and refund given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: HI

Complaint narrative:
On XX/XX/year>. I went to the XXXX XXXX  to transfer XXXX dollar from my business account XXXX XXXX XXXX to my employee XXXX XXXX at US bank, and she say she never receive the money to her bank account. So on XX/XX/XXXX, I call XXXX XXXX of US bank and requested him send the money back to my business account but he refused to do it and he said he already delivery to XXXX XXXX. But XXXX XXXX told me that she never receive the fund. And this is related to my business, so I do need help to verify where is the fund right now? If the US bank already delivery the fund to XXXX XXXX account XXXX, then they have to send me the record about what day and time they delivery the fund to her bank account. If they can not provide me that proof of record, then the fund is still in US bank. And they. have to delivery the fund of XXXX dollars back to my business bank acccout at XXXX XXXX. On XX/XX/year>, I went to XXXX XXXX, try to recover the fund back to my business account, but they said I have to contact US bank. On XX/XX/XXXX, I call US bank and request them to send me the record of what day and time they delivery the fund to XXXX XXXX account, but they refused to do so. again this is relative to my business and If any lost from this matter, the US bank will have the full of responsibility to pay for any lost of my business relative to this matter. I do need help to verify where is the fund right now? Thank you so much for your help. XXXX XXXX, XXXX. 

How can your complaint be satisfactorily addressed? 

I want the US bank will send me the record about what day and time they delivery the fund to XXXX XXXX account, and if they don't do that, then they have to transfer XXXX dollars back to my business account at XXXX XXXX. And they will have to pay me XXXX XXXX dollar for the lost of my business. thank you for your help,

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 2024-06-25 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: Paypal Holdings, Inc

Complaint narrative:
In XXXX this year, I was on a business trip to XXXX XXXX , USA. Due to work reasons, I needed to extend my stay in the US. I searched for hotels on XXXX and was recommended XXXX to book my room. After booking and submitting my PayPal information, I received notifications from my credit card bank indicating charges. I received two text messages indicating identical charges, and my total credit card balance decreased, which made me suspect a double charge. I immediately reported this to PayPal. Without my consent, PayPal canceled my payment to the hotel booking platform. However, I was unaware that my booking was canceled until the day before I was supposed to check in, when I checked the hotel information and found my reservation had been canceled. Since my hotel booking was non-refundable, I immediately called the hotel platform. The platform advised me to contact PayPal. When I contacted PayPal, they did not resolve the issue. I received an email from the hotel platform and immediately replied, requesting that my reservation not be canceled. I explained that the cancellation was done by PayPal without my consent. Despite my attempts, I never received a response from the hotel platform, only repeated identical email messages from them, which ultimately led to my inability to check into the hotel.

I have made multiple attempts to contact PayPal and submitted my refund request, but to this day, the issue remains unresolved. PayPal has never seriously investigated or understood the problem, merely inquiring about my order with the hotel platform. The cancellation of the order was not initiated by me but was processed by PayPal without my consent, leading to my inability to stay at the hotel. I now demand that PayPal refund the hotel charges for the stay I was unable to complete and apologize for their negligence in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: GA

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-06-25 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: CT

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I received a letter dated XX/XX/year> from McCarthy Burgess and Wolff debt collection company regarding an alleged XXXX debt. I requested they validate the debt, and they did not. I also requested a cease and desist. They never validated the debt and again contacted me in a letter dated XX/XX/year> trying to settle the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, and XXXX  Account # XXXX has violated my rights. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Under Article 9 of the Uniform Commercial Code ; debts from a debtor to a creditor must a UCC filing ; on the security interests of statutory liens.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-25 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:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are not mine.

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 2024-06-25 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Continually locked out of even checking my balance, restricting my use of services they advertise that they offer ( and that I'm eligible for, specifically XXXX ). If you're flagged for suspicious activity on login, they won't allow you to use XXXX XXXX ( basically an advance on your pay, that you've already worked for, usually around XXXX bucks ). So, they conveniently lock you out of your account, whenever you are eligible for XXXX XXXX. Customer service can do nothing for you, except send an email to tech ( where the login problem lies ), which they never read, and TV he problem never gets resolved. Customer service agents are only able to help you unlock your account, but only if you escalate. They're trite, condescending, and incompetent, and the only people you can call for resolution, which never happens. They can not access anything to fix anything, and are the consumers only recourse. I am moving my payroll, immediately. I also have reason to suspect that they " recovered '' XXXX, that they never gave me, as well.

Company response to consumer: Closed with explanation