vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I just wanted to inform you about a complaint Im doing so in my XXXX account there was XXXX charges XXXX from {$100.00} and XXXX for {$60.00} from a person named XXXX XXXX another transaction from XXXX XXXX for {$40.00} and XXXX XXXX for {$30.00} I would like those in a form of a check to me because Im sick of the deposit XXXX its ridiculous and once thats been refunded I want my account banned for good and no longer use XXXX Im having problems wi the XXXX just wanted to see if I can get that money back also was wondering if XXXX would be able to compensate me for all this in a form of a check up to {$5000.00} and was wondering if I could get compensated for all this this has emotionallly drained me very much and I feel like I should be compensated for all this trouble that these people have caused me drained me big time so was wondering if up to {$5000.00} or in between there that you would be able to compensate me see what your company would be able to do and send me a check to compensate me for all this trouble plus all the transactions so transactions refunded in a check and a compensation check see what u can come up with and be fair with me u know thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I cancelled the policy and they started new insurance. They claim because the policy did not start a day prior, I had to pay the remaining balance of the insurance I am no longer using. This a tactic to collect money from me that I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CA

Complaint narrative:
I recently sent letters on XX/XX/2023 to Experian, XXXX, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.

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 2023-06-10 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: NY

Complaint narrative:
I started a fresh start program with Discover on XX/XX/XXXX which would allow me to make payments on my credit card decrease my balance and become current on my credit card. They had me make 3 payments, one on XX/XX/XXXX for XXXX $ which they gave me a XXXX dollar credit with, XX/XX/XXXX for XXXX XXXX and another one XX/XX/XXXX for XXXX $ which i also received a XXXX dollar credit with. Making those three payments forced my account current which was reflected on XXXX XXXX when my balance had decrease down to XXXX, they also reported to the Credit bureaus that i was current on my balance and payments. Now comes XXXX  the XXXX of XXXX i checked my balance, it was over the limit again and they reported to the bureaus saying i was over the limit on my card and late which is not true when i made the payments before the XXXX as the had me due to have my account current so it would not report me being late. I called discover spoke to multiple representatives on the XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX XXXX all told me that they could see i made the payments and were not sure why my balance was reflecting over the limit and that i am indeed current but i would have to wait until the beginning of XXXX so they can report me as being current and on time. I had than spoke to XXXX a supervisor at Discover on XX/XX/XXXX who told me my account had been closed and that yes it was a technical error on their side.She said she would send my account up for investigation to get it reopened but she could not promise that they will do so, which i didn't understand if it was a error on Discovers side and not mine they have reported more than once in the month of XXXX on my credit report and its all inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: GA

Complaint narrative:
I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from trans union and experian with XXXX XXXX bank under the fair credit act 15USC 1681A

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 2023-06-10 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:
I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and experian with XXXX XXXX bank under the fair credit act 15USC 1681A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
MONEYLION is lying and claiming I owe them money so that they can deny me access to their instant cash program. I do not owe these scammers anything. 

They are clearly trying to extort me for their personal gain to fund their elicit habits. 

This is the only chance that this scam has to do what they are told. If they continue to refuse and extort me, I will be forced to pursue legal action to get what I want.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated a dispute with TransUnion RE : a XXXX charge XXXX account for {$940.00}. The Account in question was opened in XX/XX/XXXX but I went on a XXXX XXXX in XXXX of XXXX and was not in the XXXX or able to create an account at that time. On XX/XX/XXXX, I called XXXXXXXX XXXX and their fraud department confirmed that the account was fraudulent, I was not responsible for it, and that they told the credit agencies this when they responded to by dispute. Despite the fact that the company that placed the item on my credit report to begin with determining that it was fraud, TransUnion, on XX/XX/XXXX, emailed me to state that the information was found to be accurate and they maintained it on my credit report. 
TransUnion customer service was no help in fixing 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 non-monetary relief
Consumer complaint received 2023-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Delete Hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One XXXX XXXX- Capital One replaces card XXXX after dispute over unauthorized recurring charges from XXXX for {$15.00} but then proceeds to transfer recurring unauthorized charges to new card XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
On XX/XX/2023, I received a notice from AFNI collection agency saying I owed XXXX XXXX XXXX mobility {$2100.00}. I have never had an account with XXXX XXXX XXXX XXXX so assumed it was as a scam.On advice from local Deputy Sheriff. I called XXXX XXXX XXXX. I was told there was nothing associated with the number AFNI said was my account with XXXX XXXX XXXX. The number XXXX was said to be my account with XXXX XXXX XXXX in the first letter but in future correspondence it was stated to be the creditor account number.I sent in response form provided indicating this was not my debt.I received another letter soon after saying they were attempting again to collect the XXXX XXXX XXXX. This time for lesser amount. Most recently another attempt was made by AFNi to collect this debt.I emailed the address on the AFNI website stating simply, " This is not my debt ''. I have not receved a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I called Midland Credit Management and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/2023 I get this certified letter from them about they will sue me if I dont pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I have been charged my Flex Deposit that has transferred the account to IQ Data stating that I owe them {$1500.00}. I am being fraudulently charged by XXXX company through another company that does not even exist and the charges should not be placed onto my credit report. I have filed a dispute through XXXX on XX/XX/2023 and received a notice back on XX/XX/2023 stating that the information is correct. When I moved into the apartment it was not clean things were broken that I had to personally fix out of pocket. When I left the apartment it was clean and no damages were done. I have photos of how the apartment was when I moved. I was never behind on rent and I also have a witness of all of this from XXXX of the property managers who works for the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
I am a new customer with XXXX XXXX. I was a customer of XXXX XXXX XXXX XXXX for many years but XXXXXXXX XXXX has bought XXXX and my accounts are now managed by XXXX XXXX. On the afternoon of XX/XX/XXXX, XXXX I telephoned the XXXX XXXX customer service department for the first time. I was unsure about a transaction in the online banking portal I had logged into for the first time. After waiting for a time in the XXXXXXXX XXXX automated system, I connected with a " banker '' who identified with the name " XXXX ''. I explained I was a new customer from XXXX and had a questionable charge in my checking account. XXXX asked me for my social security number, I gave it and then the phone call disconnected. 

On XXXX  I received an alert from XXXX XXXX works that two inquiries were made on my credit report. One on XXXX from XXXX of XXXXXXXX Ohio, and another on XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California. 

I contacted the XXXX XXXX customer service and discovered an application for credit was made with my name and social security number, but a different address. This was not me, I was told the transaction was flagged and forwarded to the fraud department and the inquiry of my credit report would be removed. I then contacted XXXX and learned that a credit card had been approved and opened with my name, Social Security Number, Address, and Birthdate. I was told the account would be frozen, flagged and sent to the fraud department, and I would need to complete paperwork, and provide documentation for the inquiry to be removed from my credit report. 

I froze all three of my credit reports. I am usually cautious with my personal data and realize my error in disclosing information to XXXXXXXX XXXX, which I strongly believe is what lead to this case of identity theft. I plan to dispute the inquiries into my credit report and discontinue banking with XXXX XXXX as 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 explanation
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I filed for XXXX XXXX  bankruptcy protection. The account I am having an issue with is a XXXX  XXXX XXXX credit card ending in # XXXX which was included in the aforementioned bankruptcy. The issue I have is with TransUnion reporting the incorrect date reported or status date for this account. I recently submitted a letter to TransUnion outlining the incorrect information on my credit report dated XX/XX/XXXX. The status date shows for the XXXX  XXXX XXXX credit card on my TransUnion credit report now shows as XX/XX/XXXX, prior to my correspondence with TransUnion the status date was showing as XX/XX/XXXX. The correct date should be XX/XX/XXXX, the date the bankruptcy occurred the status of this account has not changed since the bankruptcy filing. About a year ago in XX/XX/XXXX I had the same issue with TransUnion, you can refer to my previous complaint # XXXX, in which XXXXXXXX XXXX XXXX responded with the information they provided to TransUnion regarding my account which is they reported the account was included in bankruptcy as of XX/XX/XXXX. The letter from XXXX  XXXX XXXX is attached to the previous complaint referenced above. All the other accounts included in the bankruptcy have date reported as on or about XX/XX/XXXX. The other credit bureaus also show the correct date. For this XXXX  XXXX XXXX account. Due to this error that TransUnion refuses to fix, my TransUnion credit score is significantly lower than the other bureaus. I was recently denied a credit limit increase due to this erroneous error.

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 2023-06-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received my credit report on XXXX and notice there were hard inquiries that don't have permission to be on there .These inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my right under 15USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.

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