vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchased a product with Paypal. The merchant charged me for a service that I did not agree to. 

I have been unable to have Paypal reverse the charge. 

I made a purchase for {$19.00} for a product named CreatorU that is apparently linked to a parent company XXXX. 

The product was underwhelming. When they sent a receipt, there was a link in the receipt that indicated terms and conditions. I didn't bother reading the terms and conditions as it seemed reasonable that they can not impose terms and conditions after the sale. 

I made the purchase on XX/XX/XXXX, On XX/XX/XXXX they charged my Paypal account {$140.00} without my permission. This is entirely unethical and unreasonable to charge me for a service that I didn't pay for. 

I have a receipt after I had already purchased their product send via email where they send a link with terms and conditions that reference a subscription, but after the sale. With provisions like this, conceivably they could have charged {$10000.00}. This is a one sided agreement. 

Paypal is asking me to provide a sale agreement that I never received or agreed to to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am reporting this collection Wakefield & Associates which is not under FCRA compliance. I have no knowledge of this account This is inaccurate reporting once the companies sells my debt to a third party I am no longer owe the debt to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TN

Complaint narrative:
There is a inquiry and collection account on my report that I am not aware of and did not authorize XXXX XXXX DISCOVER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via XXXX XXXX I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. XXXX, XXXX, EQUIFAX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction.

I am OPTING OUT of CREDIT KARMA -12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by CREDIT KARMA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via XXXX XXXX  I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. EXPERIAN, XXXX, XXXX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction. 
I am OPTING OUT of XXXX XXXX XXXX12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by 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
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have XXXX savings accounts with Barclays. XXXX of which are for my XXXX  XXXX  and I am joint account holder. 

XXXX ) Friday XX/XX/XXXX. My oldest daughters XXXX  account/joint account was frozen. We were unable to transfer out any money. Barclays said when she turned XXXX the XXXX  account should have been transferred to a joint account. She turned XXXX, XX/XX/XXXX - XXXX year prior to this. 

XXXX ) I asked them to transfer the money to my account since I was joint account holder. They said they could not due to the restriction and that her identity needed to be verified as outlined in the terms and conditions. They said I needed to send Driver 's License, XXXX XXXX  account statements, Social security card, OR Tax Return in lieu of SS card I asked them to tell me where in the terms and conditions does it spell this out? They could not provide this nor does the terms and condition say she needs to provide her Driver 's License, XXXX XXXX  XXXX, Social Security Card OR 1040 tax return. 

XXXX ) They wanted all of these documents emailed to them. I requested a secure way versus from my gmail to their customer service email. They had none. 

XXXX ) I supplied Driver 's License, XXXX  XXXX  Account Statement, and her XXXX Tax Return XXXX. 

XXXX ) I have called Barclays every single day since XX/XX/XXXX. On XX/XX/XXXX, they said they will not accept her tax return and I need to now send either a XXXX or SS card as to provide her SSN. I let them know that her SSN is not only on the Savings account, but on the Tax return I had provided and that XXXX 's do not contain full SSN. 

XXXX ) I requested to speak to a supervisor, to which I was denied. I have been denied access to an account that I am joint owner to and My daughter has been allowed to transfer money in and out for over a year when they said she should not have been able to. 

XXXX ) The amount in question that is locked up with Barclays and they refuse to return is {$760.00}. 

XXXX ) If I can not obtain this money - I will file in court against Barclays seeking an amount much greater than {$760.00}. She has been unable to withdrawal money to pay her college tuition and books. This is not ok.

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 2024-08-13 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My loans from XXXX were paid off in XX/XX/XXXX and they are still showing with an open balance on my credit reports. The last time they updated was XX/XX/XXXX. 

The current wait time to call them is over XXXX hours.

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I was contacted on XXXX by a fraudulent employer. Unfamiliar with remote job processes, I fell victim to the scam. 

On XX/XX/XXXX, I received interview questions from the fake company, which I completed and sent back. On XX/XX/XXXX, I received a seemingly legitimate offer letter from the scammers. I accepted the offer, and they instructed me to purchase equipment using checks they provided. I gave them my personal information, including my address, full name, phone number, and driver 's license, to confirm my identity before they sent the check for the equipment. They instructed me to be available at XXXX XXXX to receive the check. 

On XX/XX/XXXX, the scammers sent me fraudulent checks, which I was instructed to wire to their " vendors '' for equipment purchases. I wired {$4700.00}, splitting it into two transfers : {$4000.00} and {$790.00}. The scammers later requested an additional {$4400.00} check. By this point, I realized the checks were fraudulent due to issues with my bank and reported the scam immediately. I was advised to restrict my account and open a new checking account to continue transactions and pay my bills. 

From XX/XX/XXXX to XXXX, I experienced ongoing issues with both my old and new accounts. Despite numerous calls to Bank of America, I was unable to resolve the problems, with calls often being transferred to incorrect departments. I was informed that the investigation could take 30-60 days and received no updates on my claim. Additionally, my new account, which had a balance of {$370.00}, was closed without explanation. 

On XX/XX/XXXX, I visited a Bank of America branch, where I was told that my accounts would be closed due to fraudulent activity and that fraud might be noted on my record after the investigation. The branch helped me fax information about my case, including all relevant texts and emails with the fraudulent company. This process has been incredibly frustrating, with poor communication and cooperation from Bank of America. Despite being a member since XXXX and having proof of my innocence, I feel as though I am being treated as the scammer. Bank of America has closed my accounts without informing me and has not let me receive the funds I put in there before the fraud occurred.

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 2024-08-13 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit 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: NC

Complaint narrative:
I disputed a charge in the amount of {$160.00} transaction date XX/XX/year>. I received one letter from them saying they was investigating my claim and are working to resolve it as quickly as possible. Then I get another letting from them saying they completed the investigation and they credited the {$160.00} back to my acct. 

Now they are putting the charge back on my account again. I have sent them a copy of the letter they mailed to me saying they completed the investigation and credited my account. They are trying to come up now and say the company provided them with docs about the cancellation policy. This should have been provided to them before they closed the investigation on this dispute. Since they have already said they investigated and had put the credit on my account and it was ruled in my favor they should not be able to put this back on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX XXXX ( creditor XXXX XXXX XXXX  ) XXXX. XXXX XXXX  ( creditor XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX. XXXX XXXX ( creditor XXXX  ) Derogatory marks : XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other inquiries I have not approved of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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