vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: AZ

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.

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 2023-09-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had booked the tickets to go to XXXX was been told by travel agent that payment will be done in 3 separate transactions to 3 different airlines XXXX, XXXX and XXXX XXXX One of the payments were pending so travel agent gave me one way ticket and said once the payment is cleared Ill get the return ticket as well But same day I got and email from XXXX XXXX The airline we were supposed to fly with They said we are canceling your ticket due to some fraud activity After that I contacted the travel agent to ask why was the tickets canceled they said its because of the one payment still pending Couple of days later travel agent said that they have refunded my money so ask the bank to dispute the payment Bank saying we cant dispute the payment we need the proof from travel agent that they have refunded the money I cant get in contact with travel agents at all They have blocked my number and not answering at all The card I used was chase bank card And travel agent they called XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, so Bank of America froze my account that I had several XXXX dollars in it and I was also using it to get my taxes deposited to and they kept my tax return also and that was several XXXX also. This was from XXXXXXXX  on my personal checking account.

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 2023-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX account XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX account XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX account XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX account XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX my cell phone was stolen. I immediately reported this to the bank and to the police. Today XX/XX/XXXX I received a letter from TD Bank stating that they didnt find 2 transactions fraudulent and that I would have to pay it. The two transactions were 2 {$800.00} XXXX XXXX balance add XXXX. TD Bank sent me back the money immediately after it posted, but today I just got a letter saying they didnt detect fraud and will be taking the {$1600.00} back on XX/XX/XXXX. I have a police report I filed on XX/XX/XXXX about my phone and money being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I made a payment on XX/XX/XXXX  Barclay 's said it was stopped payment on XX/XX/XXXX  I spoke to my bank, a payment never was requested by them, therefore there was not a stop payment made. We informed the manager, the bank was on the call with me, they refuse to refund the XXXX they charged even after showing proof, the payment was never requested by them.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Overdraft fees was taken out multiple time and I was told that I would not be charged

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 2023-09-02 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: CA

Complaint narrative:
Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

15 U>S>C section 602 A. States I have the right to privacy. 

15 U.S.C 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 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. 

I have evidence of 11 different violations from XXXX, Transunion, and XXXX. That I will provide in docs.

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 2023-09-02 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: Experian Information Solutions Inc.
State: FL

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.

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 2023-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I had a loan with XXXX XXXX XXXX, XXXX that was sent to MRS BPO for collection. When I became aware of the collection account I reached out to XXXX XXXX XXXX XXXXXXXX to settle the debt and have it stop reporting to my credit report. XXXX XXXX XXXX, XXXX agreed to a " pay-to-delete '' solution for the debt and instructed me to make the payment to MRS BPO. On XX/XX/, I made the payment to MRS BPO and it was posted to my account, I was given a receipt which was also sent to XXXX XXXX XXXX, XXXX. Over a month later the item remains and is reported to my credit report. I reached out to XXXX XXXX XXXX to inquire about why the item is still being reported and to confirm that they received payment confirmation. They did receive confirmation but the item is still reporting and hasn't been removed as previously agreed upon. MRS BPO has also contacted me requesting payment for the same account again even after it was settled on XX/XX/. MRS BPO is now attempting to collect on the same debt, but this time they're using a different account number. I contacted MRS BPO and they stated that the debt came from XXXX XXXX XXXX, XXXX and they can not do anything about it until it is paid. I contacted XXXX XXXX XXXX XXXXXXXX and notified them of what MRS BPO said but they denied sending them the debt and confirmed that the only debt that they did send to MRS BPO has been settled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: Chime Financial Inc
State: CA

Complaint narrative:
2 charges appear on my credit card dashboard statement. one for {$42.00} on the XXXX of XXXX and the other for {$84.00} on the XXXX of XXXX. I called the credit card company on XX/XX/XXXX  to alert them of these unauthorized charges. The rep came on the line but did not seem helpful at all. the rep said that they will credit me back the unauthorized charges back to the credit card but nothing was explained. Instead they just decided not even to investigate anything and deny the dispute without investigation anything. Wow very weird situation.. Please help with this matter CFPB they seem to ignoring federal law Fair credit billing act among other laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
My name is similar to the name on the account but is not me. The name on the account is my father who has a very similar name and lived and had the same mailing address. I have tried to explain this to the original creditor XXXX XXXX. They just give me the run around and do not want to investigate the fraud and issues. So instead of working with me to get it resolved, they just charge it off on their taxes and sold the debt to a debt collector and I have to start all over again with them. It has been nothing but a headache, XXXX who owns the debt now has forwarded it to a law firm. I tried to talk and explain the problem with them, and they do not want to hear it, and just threaten court action if I do not pay. I finally got some forms and paperwork from Resurgent Capital Services to fill out and maybe now it will be looked into on XX/XX/2023. Hoping a resolution can be reached after an investigation is completed. I will keep you posted. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: MD

Complaint narrative:
I obtained a copy of my credit report from XXXX, Equifax, and XXXX. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I obtained a copy of my credit report from Experian, XXXX, and XXXX. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation