vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
i have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XX/XX/2022 with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX and name 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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
i have sent multiple letters about addresses and names that are incorrect on my credit report. XXXX on XXXX then responded XXXX with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX, XX/XX/2023, XXXX EST : Hello, Thank you for contacting XXXX XXXX XXXX XXXX XXXX 


We were unable to locate a gift card associated with the information that you provided, which indicates the gift card order did not go through. 

Although your bank may have accepted the transaction, it was not approved through our system. Any funds that may have been set aside are pending and should become available, depending on the bank 's policies. For more information regarding when the funds will become available within your account, please contact your bank directly. 

Thank you, XXXX XXXX. 
XXXX, XX/XX/2023, XXXX EST : I experienced problems during checkout when buying a card. 
Message XXXX  I bought the card for {$110.00} ; two of them for that price total with activation fees. 
Called customer service 20 times. 
Escalated complaint to XXXX. 
Money is on card. 

Their customer service : Please call customer service at XXXX. XXXX XXXX XXXXXXXX XXXX to XXXX XXXX  CT, Again I contacted them 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Many time I send letter, disputed online and called to company and three bureau and explained the I am not open that credit I am victims and never received any right answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried reporting these account that doesnt belong to me but its on all my 3 credit burea. I only have XXXX  XXXX limit at {$500.00}, XXXX XXXX ( Closed ), and XXXX XXXX at {$6200.00} everything else is incorrect. 
XX/XX/2022 XXXX {$9400.00} XX/XX/2022 XXXX XXXX  {$120.00} XX/XX/2022 XXXX XXXX XXXX {$470.00} XX/XX/2022 XXXX {$1000.00} XX/XX/2022 XXXX {$150.00} XX/XX/2022 XXXX XXXX {$320.00} XX/XX/2022 XXXX XXXX XXXX {$520.00} XX/XX/2022 XXXX XXXX {$400.00} XX/XX/2022 XXXX XXXX {$1000.00}

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 2023-01-08 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: CO

Complaint narrative:
Hello, XXXX XXXX, my complaint is that the PayPal account can not be linked to the bank and the withdrawal balance. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: GA

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 XXXXXXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/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. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: GA

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 Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with transunion.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My past bankruptcy is still being reported even though it is over 10 years now

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 2023-01-08 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: PA

Complaint narrative:
in XX/XX/2022 i recevied a copy of my consumer report nowI am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible

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 2023-01-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2022 I receiced my consumer report now I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible

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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint because Citibank failed to deposit a {$700.00} Cash Bonus into my account which I qualified for within 90 days from the end of the month in which I completed all the promotional offer requirements : 1/ New Business checking account ( streamlined ) was opened on XX/XX/XXXX after completing the required documents with XXXX, Citi Vice President/Business Account Manager at a local Citibank branch.

2/ Met the {$25000.00} qualifying balance level during the initial 30 calendar day funding period on XX/XX/XXXX with " XXXX '' funds deposits. 
3/ Consecutively maintained that balance until XX/XX/XXXX, exceeding the 60-day maintenance period requirement ending on XX/XX/XXXX. 
I have contacted Citi small business support to inquire about the Bonus, issue was escalated under Claim XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was asked to wait 5 business days to get a response. Did not hear back from support so I called again on XX/XX/XXXX and was informed by A ... ... .that a " code '' was needed. I told the Rep that a code wasn't required as it was not stipulated in the offer XXXX & XXXX. Rep instructed me to contact my local Branch Manager T ... P ... which I did, but that e-mail remains unanswered. 
I have once again reviewed all the documents including the business account application and there is absolutely nothing supporting the Citibank representative 's claim that a promo code was required to get the Bonus such as : " Bonus code is XYZ '', " Activate bonus code XYZ '', " Must provide bonus offer code XYZ to a banker '',... 
Not sure if I'm dealing with incompetence or if Citibank engages in deceptive practices but the issue hasn't been resolved and thought it was time for me to file a formal complaint with CFPB. 
I have included the promotional offer XXXX & XXXX that was attached ( XXXX XXXX XXXX ) in one of the e-mails sent to me by the Business Account Manager on XX/XX/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 monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company. 

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL. 
These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My XXXX and XXXX shows that I have a missed payment from my Wells Fargo Credit Card ending in XXXX which is inaccurate. I never missed a payment. Wells Fargo agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for XXXX months.

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 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company.

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL.

These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Viol

ations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by Transunion by reporting inaccurate information, not properly investiga
tion and not responding to correspondence that were sent concerning this matter at hand.

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 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My TransUnion and XXXX shows that I have a missed payment from my XXXX XXXX Credit Card ending in XXXX which is inaccurate. I never missed a payment. XXXX XXXX agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for 6 months.

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 2023-01-08 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: NJ

Complaint narrative:
My XXXX and Equifax shows that I have a missed payment from my XXXX XXXX Credit Card ending in XXXX which is inaccurate. I never missed a payment. XXXX XXXX agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a text message waking me up out of my sleep at XXXX on XX/XX/23 from credit collection services and it isnt lawful to reach out at XXXX. This type of behavior is abusive, unprofessional and unacceptable. Please hold these 3rd party collection agencies accountable to the laws in place around pursuing debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Olympus Lending LLC
State: UT

Complaint narrative:
I leased this car for two years and was making the payment for a year and 4 months. Due to unseen circumstances I was unable to make my payments in XX/XX/2021 until the time of the repo in XXXX. I was struggling with XXXX XXXX XXXX XXXX  and was in a very bad place and even ended up homeless for a few weeks. I understand I defaulted on my lease and the repossession was justified. For the last 2.5 years Ive waited and waited for this to hit my credit report and I wasnt ever able to see it until I paid for another site to view it. A few months after the repo I reached out to them via phone call, asked for the final bill on what I owed. They told me they didnt have it yet and would reach back out. I never heard anything from them again and decided to call a few months later, probably about 5 months after my repossession. They told me they had fixed some issues with the car and had sold the vehicle. I havent ever received any information from that day forward. They asked if I could settle that day, and instead of the XXXX and the change offered around XXXX to settle the account which I truly just couldnt do. From there I never received any phone calls, letters, emails, not a word from the account and Im clearly adult enough to know it doesnt just go away. I havent had the car in my possession for a year and a half but theyre still reporting to credit bureaus that theyre late payments instead of a full account I have to pay in full. Im not sure if this is legal, or normal if you get a repossession on a lease. But to my understanding when I called, they would send me a bill for the remaining balance I owed to the company and not continue to report late payments instead?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Payments made in XX/XX/2022, XXXX of them, and a payment through credit counseling service and all of them were not applied to the balance of the card.

Company response to consumer: Closed with non-monetary relief