vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
wells fargo bank teller refused to disperse an inperson nwithdrawal on XX/XX/23 stating they did not have enough cash on hand. this was after questioning me about what i am withdrawing for and spending the money on inappropriately. she had originally denied to meet with me about my account saying she didnt have time. she told the next closest bank was sending cstomers to their branch that day because they were out of cash. i went to a dofferent branch and explained this, requesting the teller be discreet, which she was not. she verbally announced my transaction amount repeatedly in front of a long line, being the only teller working in the bank, and requested information such as my occupation. i have had this account open for a long time and it was totally violating. on or around XX/XX/23, my checking debit card was used without my consent for a wire transfer making my funds unavailable for over a week. i obtained a new card, but the teller questioned me inappropriately today at thebank about how this happened, if i have XXXX set up, etc. I called wells fargo because ther site does not have details aboit filing a complaint and the banker kept me on hold for another agent, utimately refusing to provide a method to file a complaint.

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 2023-06-26 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: FC HoldCo LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX  of XXXX, the dealership was supposed to pay off the account in totality for my XXXX XXXX XXXX and they did in the amount of {$13000.00}. The account Flagship Credit Acceptance is still reporting to my credit and I do not understand why it does not say paid off as of 2 years ago.

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 2023-06-26 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: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company 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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ONLINE INFORMATION SER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONLINE INFORMATION SER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The company " TransUnion '' is knowingly and actively restricting online access to my credit report- in spite of any red flags would've been resolved by now- in spite of I have been restricted for more than six months- in spite of my having already proven my identity several times via postal mail submission and retrieval of such prior credit report - and in spite of my having manually removed the prior fraud alert. At this time there is no cause for a restriction of my credit report. No basis in law can be cited that allows them to restrict and/or unevenly afford online accept to some yet not to others. I want online access to my credit report that's what I want and I am over sending postal mail and I will not repeat the process a fourth time like a 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
XXXX student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
My son purchased a {$100.00} Visa Vanilla gift card from XXXX and upon removing the exterior packaging it was evident it was tampered with- the numbers were damaged and there was no cvv, so the card was not usable. After calling visa they said that it could take 30 days after a claim is filed to resolve the issue, and this is only if they feel that the information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
Received a Chime debit card in the mail - never applied for it never gave them my information but received it in the mail. I contacted Chime and had the account closed but am concerned that the account could be opened without my knowledge or without my applying for it. I believe it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: PA

Complaint narrative:
Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full 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
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full 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
Consumer complaint received 2023-06-27 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: 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.

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 non-monetary relief
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-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 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I called Synchrony on XX/XX/ to cease and desist communication as they have no legal right to collect on any debts. They agreed but {$45.00} was deducted from my bank account on XX/XX/ after they agreed to stop automatic payments and remove my payment information. I attempted to call them to have the payment reversed but the two different reps I talked to today put me on a ridiculously long hold of over 15 minutes both times. 

Lastly, I sent an e-mail today to Synchrony to request that they reverse the payment by the end of the day that they attempted to collect since they did so fraudulently and after I revoked my consent. This has not been done so I will be reporting it as fraud to my bank to ensure that the money they attempted to illegally obtain gets credited back to me as the rightful owner.

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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB
State: TX

Complaint narrative:
on XXXX XXXX XXXX i purchased a gift card from klarna in the amount of XXXX for a virtual gift card to XXXX as it is offered on Klarnas website, I put the items in my cart and entered the gift card number as my payment method, Immediately after submitting the order I received notice that my order was cancelled and items were cancelled and my account was completely locked. I called XXXX over and over again and they refused to assist me however they did inform that due to a glitch in their system the accounts lock when you attempt to use a virtual gift card from Klarna, Since then I have been trying over and over weekly to resolve the matter. Unable to get my XXXX account unlocked and klarna will have me on hold for hours on end only to get on the phone and tell me i will recieve a communication within 10 days. When i finally get some kinda of real response its a very generic response and i still dont have my money back this is near 90 days of this issues and my funds being held hostage by Klarna . I reached out to the ceo of Klarna XXXX XXXX today via email however if feel this is unfair to me as a consumer and i would like to make a complaint as while shopping with Klarna we are in a lease contract and expected to uphold our end of the agreement however Klarna is not being held accountable to the same standard gift card order was XXXX the order number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed XXXX Debt Collections MULTIPLE times. Experian continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet experian allowed it to be added back with no verification and without notifying me 5 days prior as required thus giving me no time to dispute. The collection agency provided no 30 day letter prior to attempting to adding it giving me no time to dispute. Experian has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done.

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
In accordance with the fair credit reporting act convergent Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
According the to FCRA legally these unauthorized/fraudulent items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TX

Complaint narrative:
Sent letter to Transunion still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on credit report. The balance listed on the account is incorrect, YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful 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 non-monetary relief
Consumer complaint received 2023-06-26 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 U.S.C. Sec. 1681. 


I told the XXXX, XXXX, and Equifax to reinvestigate these accounts ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 U.S.C. Sec. 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts ( 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 explanation