vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a gift card for {$100.00}. I tried accessing the balance through their website and via phone. The website and automated phone do not recognize the card # and there is no option to speak with anyone directly. The expiration date is XX/XX/21 but my understanding in CA is that they can not expire.

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 2023-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I sold my XXXX via XXXX and was paid via PayPal on XX/XX/XXXX. PayPal requested information on the sale including such items as tracking number- which I provided. Even though I provided the requested information, PayPal closed and locked my account without providing specifics why. I contacted PayPal and they could not provide any information, nor could provide me the option to transfer my funds. I am requesting that PayPal disburse the funds in my account totaling {$370.00} to the bank account linked to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I discovered that the product was considerably inferior and defective to the point that we reject the product and want to stop paying for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Based on my findings, I kindly request your immediate attention to investigate and delete three erroneous accounts currently present on my Credit Report. 

The account is named IC systems. Three account numbers XXXX, XXXX, and XXXX as what is showing in XXXX and in XXXX it shows the following opened dates for the three IC SYSTEM accounts : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no account with this company and I do not owe them money. 

Please investigate and delete from 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
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AZ

Complaint narrative:
Debt was disputed and deleted from credit as the debt collector could not provide requested information of what was owed. Final payment of rent was paid in full. No proof of why I am being charged XXXX no breakdown. This resulted in me disputing this charge from my credit and it being deleted. I am continuing to receive the emails and calls following the dispute being deleted in my favor. Hunter Warfield is the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$140.00} XX/XX/2023 is fraudulent account due to identity theft this account has been removed off of my XXXX but not Experian. As a federally protected consumer I demand maximum possible accuracy from Experian. Delete and removed this fraudulent account from XXXX off my report Experian, just like XXXX did, because its not mine.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and Experian has been constantly reporting late payments on my file since XXXX, I was not late. Ive disputed several times and told them XXXX XXXX reimbursed me if fee. Please have them to take off late payments or delete account because it has destroyed my credit score. Thanks. They had violated all of my rights

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 2023-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource management is attempting to collect a debt for XXXX XXXX XXXX. I am a current customer of XXXX XXXX XXXX with a current, paid, up to date account. This was reported to my credit reports on XX/XX/2023. This debt is not mine!!! I have requested verification to be sent to my current address, and it has not been sent since my request on XX/XX/2023, which leads me to believe it has been sent to an address that is not mine. I am a victim of fraud and it is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Digging began on my property easement in XX/XX/XXXX  by a third party company who was hired by the city/county for the purpose installing XXXX XXXX XXXX. During this process, an emergency XXXX call was made by an unknown party related to a natural gas leak. Weeks later, I received a bill, by mail, for a total of {$1300.00} which has currently been increased to {$1300.00}. The bill was sent from XXXX XXXX XXXX XXXX and has since been turned over to a collection agency by the name of Caine & Weiner. 
XXXX XXXX XXXX XXXX was contacted by phone to acquire explanation. XXXX XXXX representative chose to not explore the origin of the emergency XXXX call or circumstances related to the easement digging and natural gas leak, placing that responsibility on my household. We were told that the {$1300.00} bill would be waived if we immediately agreed to pay the voluntary annual fire protection fee within the next XXXX hours of the phone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Jefferson Capital LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Jefferson Capital collection letter, dated XX/XX/, will be sent to Jefferson Capital electronically via Jefferson Capitals email XXXX, CFPBs portal and to the address referenced above, via certified mail, for record keeping purposes. I do not owe this debt or any debt to Jefferson Capital or to any third party Jefferson Capital is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. 

Additionally, per FDCPA, notifications of dispute must contain the following : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ).

The notice which I received failed to include the majority of the aforementioned, in violation of FCRA and FDCPA. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
They keep changing the price on the vehicle through the credit agency all three the credit report has changed the number that I owe on the vehicle its been going on since 2019 and still changing what I owe on that car I put 5 motors in that vehicle they refused to pick it up last month I owed XXXX  on one credit report this month it's over XXXX on one credit report the other one it's over XXXX and the same on the other one XXXX they keep jacking up the price of this vehicle that I don't have they are the ones refused to pick it up I even told them about the motors in this vehicle too it should be against the law for them to have jacked up the price on this vehicle

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 2023-11-24 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed mutiple complaints against Equifax for refusing to report my XXXX XXXX account number XXXX on my credit report even after requesting the information from XXXX XXXX and XXXX  sent the documents Equifax still refuse to add the documents are attached and Equifax refuse to respond to XXXX XXXX documents also attached Equifax only response to me is that the account is not on my credit report i understand that thats why XXXX  contacted Equifax and was told what to provide and they would report it but Equifax still refuse the following complaints have been filed Date. Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the documents that Equifax stated they would add the XXXX XXXX account XXXX to my credit report when XXXX sent is also attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Somebody I don't know deposit a bad check in to my account and my bank account is been frozen since XXXX don't give no authorization to nobody I just did a bank verification for a normal loan.Now a scammer, an intruder is using my personal information on my Truist bank.

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
A fraudulent charge is on my Account and the bank isnt trying to give me my money back after I told them it was a scam. Ive provided all information in order to get my money back They havent been helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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:
Negative Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion " Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including XXXX and XXXX, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to XXXX, XXXX, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than seven years old. The account being reported without my permission is considered an adverse item. 

In conclusion, XXXX and XXXX, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Mortgage XX/XX/2022, XX/XX/2022, XX/XX/2022 never applied for mortgage with company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: UT

Complaint narrative:
XXXX signed contract requested contract to be enforced filed complaint responded to legal team provided Toyota Motor Company Claim that is ongoing that was responsible for the lending. 

Reopened claim with Toyoya motor 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 explanation