vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
According to 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.

I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given XXXX  ANY written consent to furnish anything about myself on my consumer report.

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 reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-12-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

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 : XXXXXXXX XXXX XXXX | XXXX ; USAA | XXXX | XXXX ; USAA | XXXX | XXXX. 

According to : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or 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: Conduent Incorporated
State: MI

Complaint narrative:
I opened a dispute with the Go-Program ( XXXX, Way2Go Card ), on XX/XX/2022. After my purse with wallet inside was stolen from the airport. The card was used after my son 's father paid his arrearage of {$3600.00} out of the blue without me knowing. I only found out when I received a letter in the mail from the XXXX of the XXXX of XXXX XXXX. I looked at the app on my phone and noticed that the amount was loaded on the Way2Go card and noticed several transactions and immediately realized that I did not re-order a new card due to my son being XXXX now and never really receiving more than {$50.00} from him on that card in the past. I didn't have a valid number to reach out to Way2Go, so I started XXXX ways to reach them, and finally got to a live person, but only by putting incorrect information in the automated system. On XX/XX/2022 I spoke with a live person and was told in 7 days that I would receive a questionnaire form and to complete it and email it back to them asap. The form took over two weeks, and when I receive it, I completed it that same day and sent it back ASAP on XX/XX/2022. My dispute was denied due to my card being used in XXXX XXXX, MI, ( which is where my purse was stolen ), and told that if I wanted to go further to send a letter explaining what exactly happened. I did that as well and emailed it to them on XX/XX/2022, two days after that I was denied again for the same reason, and pretty much was told that I had one more chance, and then after that they were done with me. I spoke with two supervisors named XXXX and XXXX and both were rude and unhelpful. They informed me that there wasn't a higher power and that it ended with them. I sent another attached letter to their email on XX/XX/2022 and was told on XX/XX/2022 that I was denied again due to the same reason and that they were done with me. This company is XXXX and very unprofessional, I do not believe that this was properly investigated because if that were the case, they would have refunded me the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/XXXX my credit card ( issued by Barclay Bank ) was fraudulently charged {$790.00} twice on the same day by XXXX XXXX XXXX XXXX. Totaling {$1500.00}. I called Barclay and the first time, they did nothing. I called again, and they said I never registered a complaint. This second time, I received a letter telling me that I was not responsible for the charges and that my account would be credited. It was. I closed my account and the bank issued me a credit but only for {$1200.00} not for XXXX. After closing my account, the bank sent me a check for {$1200.00}, not XXXX. I later received a statement for the period of XX/XX/XXXX - XX/XX/XXXX and they put the XXXX XXXX Charges back onto my closed account for {$1500.00} and send me a bill! It has been XXXX months since the fraud happened, they told me I was not responsible, took the charges off, I closed my account. They sent me a check for the balance but it should have been for the fraud amount. They did not refund me correctly to begin with and now they are charging me for the fraud. They have insurance and should be handling this.

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 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC XXXX resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX is a collection I recently discovered in my consumer report. I do not know this company. Lvnv funding llc, did not provide me with any validation of claimed debt, or permission to place it on my credit report. Never been contacted by lvnv funding llc in regards my outstanding balance of {$840.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After thorough research, I determined that Wells Fargo Autograph Card is the best card that fits my need. So I applied for this card on XX/XX/XXXX. The application was declined quickly based the following reasons : 1 ) oldest account has not been opened long enough ; 2 ) not enough open revolving credit cards with high credit limit ; 3 ) amount owned on bank card is too high relative to the available credit limits ; 4 ) too little time passed since the most recent credit card was opened. I explained the reason and asked for a reconsideration of just issuing a credit card with {$500.00} limit to start the relationship. It was declined again.

I explained that 1 ) my oldest credit card was opened in XX/XX/XXXX and it's been in good standing for 2 years ; 2 ), I have three credit cards open right now, with one credit card limit of {$10000.00}, and the other two are {$5000.00} and {$1000.00} ; 3 ), I only have 1 out of 3 credit cards carrying a balance of {$2500.00} which was paid down today ; The other two cards have no balance ; 4 ), my most recent credit card was opened half a year ago, I was planing to stop using that card once I get this card.

I believe the above reason are substantial enough the meet Wells Fargo unreasonably high standard. 

Application reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All of the inquiries listed in the attached identity theft report and bellow are all fraudulent. 

Fraudulent Equifax Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OR

Complaint narrative:
I had to attend XXXX XXXX in Florida when I only had XXXX XXXX insurance so I had to go to the XXXX XXXX to be covered. The visit should have been covered by insurance and wasnt XXXX XXXX still billed me. I ended up paying it and I have a letter with proof of payment. This collection company will not remove it and then Insists I still havent paid the bill. This should be covered by the surprise bill act. But it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, TransUnion and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to 2022.

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 2022-12-09 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: GA

Complaint narrative:
I have consistently tried to remove incorrect information from my credit report, by disputing with Equifax, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and Experian. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to 2022.

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 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: IL

Complaint narrative:
ProCollect , INC . this collection agency trying to collect money for me {$97.00} I called them yesterday I told them this situation I resolved them several years ago. But she dont want to listen to me. All she keep telling me I need your credit card and you have 3 days to pay this bill.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022, I received an email stating that a recent payment I'd made had been returned by my bank and asking me to make a replacement payment. Because I had autopay set up on my credit card account and because I knew there was plenty of money in the account, I was confused. 

I logged into my credit card account and a payment of {$41.00} had been returned by my bank. The payment had been made over the phone from an account that had been closed for 6 months. I did not make this payment. 

I called the customer service line right away and spoke with three people. They could not provide me with the phone number from which the payment was made. They would not let me hear the recording of the payment call, and could not tell me anything about the call. I pointed to my payment history, which has been via autopay from a different account. I expressed concern that my card might be compromised in some way. After more than an hour on the phone, I got one of the customer service reps to agree to open an investigation into the situation. 

Today ( XX/XX/2022 ) I received a written letter in the mail from my credit card company stating that " to remove any returned payment information or fees from your account, we'll need a signed letter from the financial institution. ''

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 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.

On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.

I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.

I will take action against you for these violations and abuse. 

Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you. 

Which you failed to do AND you posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-09 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are Santander Consumer USA and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had started to open an account with this service, to purchase an item online. After realizing there was a direct way to pay, I called Customer Service to try to close my account, as it was unnecessary now. The representative then told me to finish making the account ( providing ID etc. ), then it would be closed. I did so, then immediately after, my account was " permanently limited. '' Now, I can not use the service, or any other online vendor that is powered by it's system, as my information is recognized ( even if the vendor isn't directly using said system itself ). I never used the account, am not a minor, and did not break any rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Collection Corporation
State: WI

Complaint narrative:
I reached out to the company and the company is close and has been close for almost 4 years now. I reached out to the better business bureau in regards to this debt and they also received several complaints regarding the same issue coming from other consumers. stating that they too received debt collection phone calls and letters regarding that they owe amounts that was not theirs. Its showing negatively on my credit report as a collection and I never had a debt with this company. The original Creditor is XXXX XXXX XXXX XXXX. Its currently trying to be collected by central collections. The date opened is XX/XX/XXXX XXXX and the amount is XXXX.

Company response to consumer: Closed with explanation