vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 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: IL

Complaint narrative:
The credit bureaus stated account name and account # XXXXXXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. this is ground for removal. they also violated my rights under 15 U.S.C 1681 section 604 A Section 2 ; The law clearly states a consumer reporting agency can not furnish a account without my written instructions. they also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( A ) ; The law Cleary states the credit bureaus have 5 days to notify me from when they receive my disputes. they also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). the law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Adela, Inc
State: MS

Complaint narrative:
They not only have called my personal phone but have called me plenty of times at my job. They keep calling me bout once a week at my job. No matter I tell them not to contact me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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:
Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2.

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/XXXX  debt of {$780.00} was placed on my XXXX  and equifax credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through XXXX and Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I keep logging into my XXXX NFL card to make a payment and see my balance. I have never missed a payment. I login with my autosaved credentials and receive the message, " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I call the number and am received by a person in a call center in another country ( feels like fraud. ) I go through the verification process and they state that, " The NFL Portfolio has been purchased by Comeity Bank and I need to call the number XXXX for support of this account. '' I call the number and the computer states, " we are experiencing technical difficulties, please try again later. '' I do not care who owns my debt. I do not want to be monetarily penalized, mu interest rate affected, or have my credit affected because they are disorganized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus stated account name and account # XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. this is ground for removal. they also violated my rights under 15 U.S.C 1681 section 604 A Section 2 ; The law clearly states a consumer reporting agency can not furnish a account without my written instructions. they also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( A ) ; The law Cleary states the credit bureaus have 5 days to notify me from when they receive my disputes. they also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). the law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  has improperly reported a negative item on my credit report. Acct # XXXX is being improperly reported. I DO NOT OWE THIS DEBT. I sent them a certified letter which was signed on XX/XX/22 demanding that they validate the debt and investigate the debt and send me proof that this is my debt. They failed to do so I attached the letter that they mailed back to me which was their validation letter which showed me NO signed contract and no signature from me showing them an obligation to pay them. I sent the letter demanding validation as per the FCRA giving them the 30 day timeframe to validate the debt in which they failed to do so. Attached is correspondence between myself and XXXX XXXX about the erroneous account on my credit report in question. I WANT THE ACCOUNT DELETED. THE TIME FOR THEM TO UPDATE THEIR INACCURACIES HAS PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I reported this creditor to CFPB a couple months ago. Not only are they ignoring CFPB 's investigative request, but they are back at it reporting negatively on my credit reports. Bottom line is there was fraud on my account someone changed my address with this creditor without my knowledge. I report the unrecognized charge they close my credit card and they refuse to send me a statement of what I owe and what charges were made. My online account has a zero balance that they have now locked me out of. That's okay because I took a screen shot of it figuring they were going to try to cover up their wrong doing. A week or two ago they completely closed my account and notated closed by consumer which isn't true. With everything they screwed up on this account is it to much to ask for an accounting of what they are saying I need to pay. Twice now they have damaged my credit score. Isn't there a regulating government agency with some teeth that can fine or legally go after this company for all these ridicules shenanigans and damages to my credit. After several attempts to have anything sent to me from this creditor I asked if they could overnight information seeing how you can't get it to me by way of USPS and I was told they don't do that. I said even with all these extenuating circumstances and I was still told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There was XXXX wire transactions conducted one for XXXX and another one for {$980.00}. And also a XXXX but they returned my XXXX XXXX and did nothing about the wire transfer this is very heartbreaking

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 2022-05-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 

XXXX5 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 an account without my written instructions

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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
12 CFR part 1022.42 12 CFR part 1022.43 FCRA 15 U.S.C. 1681 2 ( b ) In XXXX, 2022 I was denied credit by consumer cellular and they used information and scoring reported by Equifax. The negative information is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I went to the ATM today ( XXXX ) at XXXX to make a withdrawl I was denied even though the account had XXXX in it at the time because I checked before I went to avoid embarrassment as this has been an ongoing problem since I filed disputes with another account. 

I made a purchase using my card through PayPal the money was in PayPal balance but not in the bank account it was denied. 

I tried to make a transfer it was denied. 

I am starting to feel these actions and embarrassing debit card denials are discriminatory in nature. 

I am also going to file a complaint with the XXXX XXXX XXXX in XXXX and the XXXX XXXX XXXXXXXX XXXX. 

I also have filed another complaint through CFPB about XXXX XXXX that has mysteriously disappeared. Please be advised I do take recordings and screen shots of these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Stole my data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is in regard to a billing error on my AT & T Universal Card  account ending in XXXX that have never been handled properly by your dispute department. 
I purchased a XXXX airline ticket on XX/XX/XXXX for {$5000.00} with my AT & T Universal card. The ticket was later cancelled and a request for refund was made. The issue of the refund was confirmed by XXXX, and they mentioned that the refund may take up to 2 billing cycles to post back to my credit card. After waiting for 2 billing cycles, nothing post to my account, even until now. 
I reported the missing credit to Citi on XX/XX/XXXX. They opened a dispute case XXXX and asked for support documents. Then on XX/XX/XXXX, they send me a letter saying that they were unable to help, due to the age of the charge, which they meant they need my dispute to be reported to them within sixty days of the merchants charge on XX/XX/XXXX. 
The fact is that the charge on XX/XX/XXXX is a valid charge and I am not disputing that or ask a chargeback from the merchant. According to the merchant, they had issue a credit but that credit somehow did not show up in my account. Since that credit takes up to 2 billing cycles to appear, I waited to dispute it until I received my XXXX statement when did not see the credit. 
According to the Fair Credit Billing Act USCODE sec1666 section ( b ) ( 4 ), billing errors include The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. This is not the same thing as asking for a charge back from the merchant. And the dispute was made within sixty days when I can tell there was an error. 
Your dispute department did not seem to understand this at all. I have experience with them keep saying for half a year that merchant has issue a credit whereas that credit was never found in my account. 
I hope you can explain to me whether you have receive a credit from merchant while the merchant had confirmed that have issue a credit.

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 2022-05-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish

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 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/XXXX Citibank allowed the unauthorized wire transfer of XXXX from my account to a person unknown to me. This occurred because Citibank uses cell phones as a means to verify these transactions. Unfortunately, this transaction was fraudulently carried out by an individual who had obtained the sim card number for my phone and had a copy of the sim card inserted in his phone at a XXXX location. This allowed him to have full control of my phone and my service was essentially cut off. Since the banks means of authenticating the request is by sending a verification code to a cell phone, this individual was allowed to wire transfer money from my account into the account of his choosing ' The banks method of authenticating the authorization of these transactions are far too convenient and fails to adequately protect customers. 
Citibank was notified of the fraudulent activity with in about XXXX hours from the time that the unauthorized activity occurred. All of the required paper work to report the fraud was filed with Citibank on XX/XX/XXXX. I was advised by representatives that an investigation of my claim would be conducted. That was 45 days ago. I have reached out on several occasions, to inquire about the status of my complaint. I have been told the investigation is in progress and that an investigator will contact me. As of this date, no one has contacted me. At the very least I think I should be told where the investigation stands and when my money will be returned to my account. I have been unable to pay some of my bills and feel that the length of time CitiBank is taking to resolve this matter is unjust.

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 2022-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
State Collection Services has reported an alleged debt to the Credit Reporting Agencies without notifying me that I can dispute the debt and without providing validation of this debt. Please see the attached letter requesting adequate validation of this debt, if they can not fulfill this request, I demand immediate deletion of this " debt '' from any consumer agency it was reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
THIS IS NOT ABOUT THE SAME ISSUE THAT I JUST FILED THE LAST COMPLAINT. I DO REALIZE THERE MAY BE A LANGUAGE BARRIER HERE BECAUSE I HAVE BEEN FILING COMPLAINTS WITH NO RESULT FOR SOMETIME NOW. SO TO MAKE THINGS AS EASY AS POSSIBLE I FILE MULTIPLE COMPLAINTS WHEN EVER POSSIBLE. 

XXXX XX/XX/2021 I filed a dispute of charges but they said at first it was not " possible '' to dispute XXXX  charges. Then I filed successfully and they have rejected my dispute with no evidence to prove that I made these charges. I am not sure what court one can go to where a person wins and provides absolutely NO EVIDENCE. 
ALL COMMUNICATIONS MUST BE WRITTEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: MN

Complaint narrative:
I have been attempting to get a collection account removed from my credit report since around XXXX or XX/XX/2022. There were 2 inaccurate accounts and one was removed, but these Credit Bureaus have failed to notify me of why the other one hasn't been deleted. Their investigation has taken more than 30 days, and they are willfully allowing Identity Theft inaccurate information to remain on my reports and damage my credit score. 

I am legally entitled to have this account listed as Collection, removed. 
XXXX XXXX XXXX collection account listed says I owe {$2500.00} yet no one has furnished any proof bearing my signature not any other type of validation or verification. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

I need this removed immediately. XXXX and Experian are not complying with the Federal Credit Reporting Laws. 

I have been trying for months and the laws are being violated that they, credit bureau, should be abiding by. They haven't provided proof or anything in the legal timeframe. It can't be verified because obviously it's not something I did or owe.

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 2022-05-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish

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 2022-05-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish

Company response to consumer: Closed with explanation