vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 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: NJ

Complaint narrative:
On XXXX I sent Equifax a letter via a CFPB complaint stating EQUIFAX is in violation of my privacy rights for reporting unauthorized written consent from the consumer. In there response ON XXXX EQUIFAX did not remove the items as instructed, instead claim they will try and verify the information. This has nothing to do with VERIFICATION! EQUIFAX is negligently and/or willfully failed to comply with 15 U.S.C. 1681 ( B ) and 15 U.S.C. 1681 ( A ). I did not give EQUIFAX written authorization to violate my privacy and report what congress said CAN NOT be reported on a consumer report under 15 USC 1681 ( a ) ( 2 ) ( b ) any consumer transaction with an extension of credit from the CONSUMER direct or indirect by the issuer of a credit card or similar device should be excluded from a consumer report. A CREDIT CARD IS DEFINED AS ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICES existing for the purpose of OBTAINING MONEY, LABOR, OR SERVICES ON CREDIT NOTICES. There for the use OF MY SOCIAL SECURITY CARD ALSO KNOWN AS MY CONSUMER CREDIT CARD was used in CONSUMER CREDIT TRANSACTIONS for the accounts listed below! 15 USC 1681a ( 2 ) ( b ) STATES IT MUST BE DELETED! Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes the Court to award monetary civil penalties of not more than {$2500.00} for each knowing violation of the FCRA that occurred since September 30, 1997. I will seek monetary damages along with emotional and financial damages if the accounts are NOT DELETED IMMEDIATELY BY EQUIFAX XXXX XXXX - file # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO
State: OH

Complaint narrative:
I am writing to dispute the following information that appears on my [ XXXX, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( First Bank PR XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - First Bank PR XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the following information that appears on my [ XXXX, Equifax, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX for XXXX and XXXX XXXX for XXXX. Both items are appearing on my Transunion and XXXX reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX which has yet to removed as well

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 2021-09-25 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: NY

Complaint narrative:
I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXXK -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the XXXX late payments THAT SHOULDNT BE ON MY CREDIT FILE.

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 2021-09-25 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: DISCOVER BANK
State: GA

Complaint narrative:
On the morning of XX/XX/XXXX I received an email that my Discover card account had been closed. I called Discover and it was mentioned that a letter and email had been sent ( XX/XX/XXXX ) regarding the account status, however neither of those had been received nor exist. I have received several other account-related emails from Discover during this time. The representative to Discover sent me to a non-responsive team who she believed could assist me with the account, but she actually just terminated the call. 

I reached back out to Discover and was escalated to a supervisor shortly after my interaction on XX/XX/XXXX. The supervisor reiterated the dates but stated that the account had been terminated, they could not assist. They could not verify the address the letter was sent to regarding the account status. 

Despite having their app, numerous emails and letters about my account, and activity within their products, I believe my account was incorrectly terminated by Discover and they display anti-consumer negligence in their consumer outreach and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Hi CFPB, On our around XXXX I applied for a Discover Credit Card. In XX/XX/2021, I experienced fraud on my XXXX & Discover accounts. My accounts were compromised, specifically my XXXX phone number was forwarded by the scammer through XXXX Customer Service & my discover card was charged even though card was in the mail or in my possession. 

During the claims process, I advised Discover that my phone number was compromised, that I did not set up a pin via phone on XX/XX/XXXX, that I was out of town on XX/XX/XXXX, & that these charges were fraudulent. Additionally, in a signed affidavit I explained that my phone number was compromised & that the charges were unauthorized. XXXX the Supervisor said I am currently responsible to make these payments as their investigation found that I was the one who made these charges. 

Discover Credit Cards has reversed the unauthorized charge temporary credit, and held me responsible for the $ XXXX in fraudulent charges. Please have someone help me as Discover has not honored their identity theft / fraud protection program which I expected to cover me. I can not afford {$1400.00} in charges so please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX experian report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that 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 explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am writing to express my concern with the latest announcment of the USPS First Class Price Increase combined with a slow down of service. Are you kidding me, we will now pay more for poorer service. Add to that the effects this may have on the delivery of bills and payments that are sent via the USPS. I have already received a notice from Wells Fargo offering insights into what I estimate will be one of their latest efforts to cheat average ameraicans out of more money. They see the slowdown in delivery going both directions as an issue. Add to that the extremly slow posting of payments by Wells Fargo and you have given them permission to bilk their customers of even more money by saying their payments did not arrive on time. Yes, there are other options for many, but for thousands of Americans Online Payments are simply not an option. Watch all of the other banks follow, although likely a bit more under the radar.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX  for XXXX and XXXX XXXX for XXXX. Both items are appearing on my XXXX and Equifax reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  which has yet to removed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged for a service I did not receive in my Citi MasterCard by XXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. XXXX XXXX  XXXX XXXX  XXXX also charged my husband 's Visa credit card XXXX. When he complained to his XXXX XXXX Visa credit card, the dispute was resolved immediately to his favor, based on services not rendered and on a nullified Proposal. I filed a dispute with Citi Cards and complained to youngs water and sewer but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. In fact, one of their dispute reps stated that there was confusion with the investigators and after speaking over the phone with me helped to clarify. This rep also stated that it would help for the investigators to call but they did not. I made repeated calls to Citi disputes and while over the phone I clarified many times this issue with them confirming over the phone that I am not responsible and that no services or products were ordered, they responded with differing information then closing the dispute claiming I was responsible, then reopening the dispute multiple times. to finally stating that because the merchant refuses to issue a full refund, I would have to pay the remaining {$2800.00} when services were not rendered. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX and claims of a restocking fee. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.

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 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to dispute an incorrect charge on my discover credit card. The charge I dispute is the amount of {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Hello, I received an email from Citibank on XX/XX/XXXX to sign up for a new Citibank checking account and receive a {$200.00} welcome bonus by opening the account and depositing {$3000.00} within 30 days and maintaining for 60 days. I made a deposit of {$3000.00} on XX/XX/2021 and it is now XX/XX/XXXX. I completed my requirements right away and after messaging and calling the bank they're saying they have no record of my account being attached to this offer. I have a PDF of the offer terms that I saved when I applied and I attached it here. The bank is refusing to issue the offer which is a breach of contract. Please 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 monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal violated their policy by permanently suspending our business account : XXXX and holding all of our funds for 180 days without explanation or valid reason. XXXX was started by my family and me. It is a website that sells handmade crafts and accessories. 

I've been successfully running online shopping business for 3 years, and in 2018 we processed {$400000.00} of revenue through Paypal. 


In XXXX after 2 months of operating XXXX  my business Paypal account got permanently suspended and all of our funds were withheld for 180 days. Paypal 's explanation : " After a review, we decided to permanently limit your account as we found potential risk associated with it. '' This is absurd, we are a legitimate brand that holds stock inventory and we have a full team of customer service reps. 

Our business has less than 2 % disputes over XXXX orders. Due to this hold of {$21000.00} for 180 days we have to take out personal loans and can not pay our employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX am, the consumer in fact 15 usc 1692a ( 3 ), natural person. 
CAPITAL ONE keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ). 

CAPITAL ONE failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ). CAPITAL ONE keeps demanding payment, and keep taking money from my account CAPITAL ONE made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ). 
CAPITAL ONE have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ). 
CAPITAL ONE monthly statements showing a positive balance, constituted a Billing Error pursuant to 15 usc 1666 ( b ), failed to include a statement of extension of credit. Failed to disclose the creditor. 
CAPITAL ONE willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish, and I am being denied credit. 
CAPITAL ONE is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ). 
False or Misleading Representation by CAPITAL ONE pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt. 
CAPITAL ONE failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ). 
( See attached file )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent SOUTH MISSISSIPPI COLLECTION a letter about a alleged debt of a XXXX that i dont owe.XXXX XXXX XXXX  sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of $ XXXXSOUTH MISSISSIPPI COLLECTION sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$110.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation