vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I reached out to XXXX because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the barclays. I had reached out to Barclays because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from XXXX that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to Barclays on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take XXXX cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.

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 2023-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX my USAA Savings account was overdrawn for a " Check Adjustment Debit '' in the amount of {$840.00}. 

Was informed the disputed deposit is for a check deposited back in XXXX of XXXX almost a year and half ago. 

Reached out to USAA for clearer clarification on the disputed transaction and asked for any kind of help for it to be resolved in my favor as I'm not clear on exactly what happened and who the disputing party is. I'm unable to go back to my online deposit history that far back. Had been receiving almost daily phone calls to get the account to normal status even though it had just occurred at a very inconvenient time. Informed them I planned on filing a complaint and the aggressive calling ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : 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 Victorias Secret Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for Comenity Bank/ Victorias Secret Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: CA

Complaint narrative:
XXXX-mailed and a dispute is never opened up and no results. 
XXXX Open Date 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I called this company to ask for details like a contract between them and myself and they hung up on me. I never heard of this company, never contract with them THIS IS FRAUD

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 2023-08-03 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: TX

Complaint narrative:
According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 
" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted cashapp customer service to inquire about a XXXX XXXX credit I should have received XX/XX/XXXX. 

The following is a transcript of that exchange : ME : I am inquiring about a refund of XXXX XXXX that doesn't appear to have been returned to my balance or bank CashApp : Your {$100.00} payment was successfully cancelled on XX/XX/XXXX at XXXX XXXX and returned to your debit card ending in XXXX. Cancelled payments will return to your bank account in 1 of 2 ways : - It may void and drop off your bank statement. Meaning, the transaction was successfully canceled. Your bank has adjusted your balance and you will no longer see the initial debit.

- It may post as a refund in XXXX business days. Meaning, you will see the initial debit and an additional credit. 

I suggest reaching out to your bank 's debit card operations department for more info. Make sure you let them know that the funds will appear as an electronic funds transfer ( EFT ), which is a direct credit to your bank account. 

ME : I have reached out to my bank. They have confirmed w me that they have no record of the return. Please advise or provide me some tangible evidence to taken to them CashApp : The {$100.00} payment failed on XX/XX/XXXX at XXXX XXXX, and the funds were returned to your card ending in ****. Any pending charges from the payment will drop off your bank activity in XXXX business days.If you still see a debit on your account after XXXX business days, please file a claim with your card-issuing bank. Moving forward, all correspondence regarding this matter will be handled between your bank and Cash App. 

Me :? Why am I being squeezed out of the process CashApp : TryI don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. 
Me : So are we not allowed to talk about this now? 

Cahsapp : While Id be happy to help you with anything else, Im unable to provide further info for this particular case. Thanks for understanding. 

Me : But I don't understand... 

CashApp : We've provided as much info as possible to help with this issue. Since I can't provide any additional help, Im going to go ahead and end the chat. Youre welcome to contact us in the future through the app. 

Me : XXXX of my XXXX have lol gone missing while in your care and I'm not allowed to ask about it? 

CashApp refused to respond after this. The action has caused me to overdraft on my other payments. It was like a domino effect. 

I respectfully request an explanation as well as the return of my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' on behalf of UHG I LLC stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from UHG I LLC or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: PA

Complaint narrative:
I have been a victim of identity theft.. I was iXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have accounts on my consumer report that I have no knowledge of.. I had filled out an FTC identity theft report with the accounts attached.. I need these accounts removed of my credit file. The accounts are.. 
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

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a cheking account # XXXX with Td Bank named cutomer relation chect was opened with my home mortgage loan with the bank loan # XXXX. On XX/XX/XXXX I sold my car XXXX XXXX XXXX to someone I never see him but all was online .on XX/XX/XXXXXXXX  I discovered that Td bank online stopped the transaction, I noticed that it was scam and fake check. After two hours aroung XXXX XXXX i was suspended online from any access to my accounts eaither checking or mortgage loan. I contacted TD Bank XXXX customer services XXXX XXXX on XXXX XX/XX/XXXX informed me that the bank took action against me by blocking me online and cancel my customer relation account. 
I did not do anything and I should not be punished, the one who should be punished and treated bad the scamer not TD Bank customer for above 15 years, I never ever delay payment one day or have even any credit issue. Td Bank treated me unfairly compleatly. I am a victm not criminal. I served the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I placed a security freeze on my credit file with all three agencies. In XX/XX/XXXX, the freeze with Experian was removed without my knowledge or consent. 

I discovered on XX/XX/XXXXXXXX XXXX  that my security freeze had been permanently removed when I was planning to remove the freeze for a loan application. The freezes were still in place with the other two agencies When I followed up with Experian, they informed me that the freeze was removed XX/XX/XXXX, but could not provide any further information ( means of removing the freeze, etc. ). 

There were fraudulent address and phone number added to my credit in early XXXXXXXX  ( exact date unknown ), which has since been removed. Other crimes associated with the fraudulent activity are currently being pursued by the Department of Justice. 

Despite keeping the PIN required for removal of the security freeze secure, the freeze was lifted without my knowledge or consent.

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 2023-08-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I AM FORMALLY DISPUTING IMPERMISSABLE INFORMATION IN MY CONSUMER REPORT ORIGINATING FROM CITIBANK NA ( Account # XXXX ). I INSTRUCTED THIS PRIVATE INFORMATION NOT BE SHARED PRIO TO THEM DOING SO. UNDER THE FCRA, SECTION 1681a ( d ) ( 2 ) ( i ) EXCLUDES INFORMATION SUCH AS TRANSACTIONS AND EXPERIENCES WHICH ARE SOLEY BETWEEN A CONSUMER AND THE FURNISHER FROM BEING INCLUDED IN A CONSUMER REPORT, HOWEVER CITIBANK NA FURNISHED PROHIBITED TRANSACTION DATA TO CRA 'S AFTER I OPTED- OUT OF SHARING UNDER THE GLBA. THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) CASE PROVES THAT FURNISHING FACTUALLY ACCURATE BUT IMPERMISSIBLE INFORMATION PROHIBITED UNDER FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) CREATES LIABILITY FOR VIOLATIONS. THEREFORE, INCLUDING PERSONAL TRANSACTIONAL DATA EXCLUDED UNDER THE FCRA CONSTITUTES A FAILURE TO COMPLY WITH FEDERAL LAW AND IDENTITY THEFT UNDER ( XXXX XXXX XXXX ) CRIMINAL CODE 2012.

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 2023-08-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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:
In accordance with 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 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 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 XXXX5 U.S.C 1681 section 602 A . States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

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 2023-08-03 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: CA

Complaint narrative:
XXXX Open Date XXXX XXXX I have been ignored from both the creditor and the credit reporting bureaus. I have file a dispute and no investigation was opened and nor results were sent to me. I also had attached a police report for the fraudulent accounts and incorrect information 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
Consumer complaint received 2023-08-03 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: World Omni Financial Corp.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: AL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I moved and canceled service with XXXX on XX/XX/XXXXXXXX XXXX XXXX I have the emails that I sent and received regarding the cancellation. I then called repeatedly every single month when the continued to bill me for service and threatened to turn it off. I spoke to countless off-shore agents who assured me it was resolved. I picked up the phone every time they called and explained that service was shut off XX/XX/XXXX. They continued to bill ; I continued to resolve it. And before it could resolved, they sent it to collections without ever even sending me a final bill. And they struck all records from my account, so I can not even contact them anymore. 

The collection company is attempting to collect a debt not owed to XXXX. I canceled service with them on XX/XX/XXXX. I have the emails and the dates of calls to resolve this. They continued to bill and and call until XXXX and never resolved the account and sent it to XXXX. XXXX has emailed on XX/XX/XXXX, XXXX and XXXX and has called my business phone almost daily since XX/XX/XXXX even after being instructed to stop calling my work phone. They have reported this matter to all of the credit bureaus. I have explained that I am disputing this error with XXXX and through you. They are relentless.

Company response to consumer: Closed with explanation