vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: MS

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by t-mobile rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i was denied credit card with american express not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I've been a loyal Wells Fargo Customer since about 2007 and I've always had recurring fees, overdraft fees that's they could never explain correctly.

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: WI

Complaint narrative:
They will not let me do anything with my account even though I sent in all the proper documents like identity card and social security card pictures through email, uploading to website and chat box. My number need to be updated they refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Delete These accounts IMMEDIATELY! 

XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : **** XXXX XXXX. Account # : **** XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( collection account ) Account # : XXXX XXXX XXXX XXXX. ( collection account ) Account # : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION to the consumer which it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am DEMANDING the deletion of the accounts listed above IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 in XXXX, Florida I was scammed on the beach. A man approached me selling waters and I asked for two. As I tried to send the money through XXXX using my Chase account an error message popped up stating the number was not registered with a XXXX account. The man took the phone out of my hand transferred XXXX out of my savings into my checking and sent XXXX dollars to one number and XXXX dollars to an email. My phone immediately died when he returned my phone. When I got back to my hotel and saw I was scammed I immediately called the XXXX XXXX Police Department and filed a police report. I even went back to where the incident happened with several cops and searched the area for this man. The XXXX dollar payment was canceled and I have yet to get my XXXX dollars back. I filed a claim and the claim was denied so I filed to reopen my claim and that was denied as well. This whole incident has caused me stress, financial stress and caused me to slip up in school. The XXXX dollars stolen from my is the refund money from my student loans that I absolutely need in order to repay those loans and continue school. This has caused me so much distress and destitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4400.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : 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 AV XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4400.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 1681c. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX XXXX have indeed violated my rights with harassing phone calls. This is the same company who was found guilty for illegal debt collection practices and consumer reporting violations in XX/XX/2023.

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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Im in the midst of a credit repair with my credit report due ti identity theft and opened a capital one Walmart credit card a month ago. I used the card, paid the balance in full, and then it was closed a week later. I believe this was intentional because of me being XXXX and its obvious to them on the phone, they told me I violated their cards terms and conditions. How? By shopping at Walmart. The company hates XXXX and its obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the rights to privacy.

15 U.S.C 1681 Section 604A it also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the rights to privacy.

15 U.S.C 1681 Section 604A it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the cfpb federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i was denied credit card with XXXX XXXX not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear XXXX, XXXX, Transunion I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear XXXX, Experian, XXXX I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.

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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc

Complaint narrative:
Hello I am complain against PayPal they close my account and they dined my all the disputes, I have not received the item from Seller and she blocked, after when I open a dispute now PayPal close my account they did not help me to get my refund, I also share a screenshot, Please help me to get my refund because it is my very hard earned please help me to get my refund from XXXX XXXX. 

4 disputes each XXXX $ amount. 
I ordered these pairs in XXXX but I have got nothing from the seller, she asked me first for more payment when I refuse they blocked me. 

Please you can contact to PayPal to help me to get my refund. 

Your help really appreciate Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pursuant to 15 U.S.C 1681 and exercising my rights as a consumer I have filed a dispute of information in my consumer credit report with the Transunion credit reporting agency on XX/XX/ requesting verification of the information about bankruptcy in my file. 

According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) in case of receiving a dispute from the consumer a credit reporting agency should conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

According to 15 U.S.C 1681i ( c ) whenever a statement of a dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer Instead of that on XX/XX/2023 TransUnion sent me a letter saying that for some reason they think that my letter might had come not from me and suggesting to submit a dispute via their website of by phone, violating my rights to file disputes in writing and to keep a paper trail of all communication with the bureau. 

According to 15 U.S.C 1681i ( a ) ( XXXX ) in case of the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant it should notify the consumer of such determination not later than 5 business days after making such determination, by mail and include the reasons for such determination and identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The letter from Transunion did not contained such information, so I sent them another letter on XX/XX/ where I reminded the credit reporting agency of their responsibility to perform an investigation in time. 

After not receiving any other communication from TransUnion, onXX/XX/XXXXsent them another letter with demand to delete the disputed information as they failed to verify it in time. 

The note of information being disputed by consumer was never added to my file. 
As a result, I believe that the TransUnion credit reporting agency violated my consumer rights under the Fair Credit Reporting Act multiple times. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all consumer rights under the Fair Credit Reporting Act.

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 2023-05-07 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX added me to an account, with a full payment history I never had knowledge of. I have only had " one account '' with this company which comes directly to my home in XXXX XXXX. I & got a full history from an address I have not lived in, in over 12 years.

Company response to consumer: Closed with explanation