vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: OH

Complaint narrative:
Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized. 

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer. 

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2022

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 2022-06-02 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: OH

Complaint narrative:
Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized.

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer.

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax states I do not have a credit score or report. I sent my if documents to them. I also have not been able to get my credit reports or more information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please remove. 2 hard inquiries for capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
this is related to a current fraud claim with PayPal. PayPal is refusing to re-imburse 3 of the 7 fraudulent transactions from XX/XX/XXXX. The reason given is that the case is closed. What I am asking is to re-open the fraud claim. The case was closed in XXXX of XXXX after a series of phone calls to Paypal. 
Just like the other unauthorized transactions, these were all done by hijacking both Paypal accounts. My son 's ( XXXX XXXX ) and mine. Our emails were also hijacked so that we did not get notifications of the transactions. 
XXXX ) XX/XX/XXXX of XXXX for {$360.00} XXXX ) XX/XX/XXXX of XXXX for {$360.00} XXXX ) XX/XX/XXXX for {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I don't understand why this hasn't been removed. When I was told this was going to be removed I am a current XXXX customer

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys credit card sent me a letter to pay I did them they wrote me two emails stating I have a credit card balance refund and that they processed it on XXXX XXXX and on XXXX XXXX and they still have not mailed it I know by law they have to mail me my money in the mail within 7 days of making my request

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 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am XXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX  doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED claims XXXX XXXX XXXX  doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX  doing business as XXXX and XXXX doing business as TRANSWORLD SYSTEMS INCORPORATED is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a collection letter from IC collections, regarding a debt from XXXX XXXX for unreturned equipment in XXXX. XXXX sent me a letter stating my balance was zero and the charges were reversed. Not to mention this debt was XXXX in XXXX XXXX in XXXX,, they reported it to collections on XXXX after requesting proof of the debt and myself not receiving said proof. I called direct and they basically reversed the charges for the equipment and subsiquently opened a new account with the same balance for the equipment. I didn't authorize nor request any new accounts. I advised both companies of the multiple violations they were committing and got nobody that could speak English enough to understand, or lacked the cognitive ability to. I'm intending pursuing further legal action for damages under 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 2022-06-02 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 h Act XXXX XXXX XXXX XXXX balance {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX XXXXXXXX balance {$190.00} XXXX XXXX XXXX XXXXXXXX balance {$130.00} Loan XXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for 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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting h Act XXXX XXXX XXXX XXXX balance {$62.00} XXXX XXXX  XXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX  XXXX balance {$190.00} XXXX XXXX XXXX XXXX  balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for 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 explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A certain individual used my personal information without my consent.

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 2022-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX I logged into my Citi XXXX account to make sure that a direct deposit from my paycheck was received, please note I have had this direct deposit set up to reoccur from each paycheck since XX/XX/XXXX ( {$100.00} twice monthly ) without previous issue. I contacted Citi through their chat support function and was told a recent transaction ( the reoccuring direct deposit ) was flagged for fraud and I would need to contact the Fraud Servicing Unit at XXXX. On XX/XX/XXXX I called the number provided and gave my information to an associate, explained the situation, he told me he couldn't do anything and would need to transfer me. I was put on hold for more than an hour, gave my information to the new associate who then proceeded to tell me that my account was blocked and flagged for closure and I would receive a check with my funds within 60 days. When I politely asked why the account was closed, she told me she didn't have any additional information and promptly ended the conversation and disconnected the line. Confused, I proceeded to call the customer service number, XXXX, got through very quickly and was again told my account had been blocked, I would receive a letter once it had been closed, and would receive a check within 60 days of receiving the closure letter. I am relieved that this is not my only bank/source of money since I will not be receiving the funds for at least 60 days if at all. For most people who are living paycheck to paycheck, this would be a complete nightmare. Lesson learned, do not bank with Citi.

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 2022-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made two credit card payments through XXXX to rental agencies, XXXX XXXX XXXX and XXXX XXXX, that were misclassified by Bank of America 's XXXX as utility payments instead of using the correct merchant code. Consequently, this misclassification reduces the cash back rewards since payments to utilities are not classified as travel, but payments to Real Estate Agents and Managers ( Rentals ) are classified as travel. 

In contrast, Bank of America Visa correctly classifies the same payments as travel, providing the correct cash back rewards. 

I have contacted XXXX, Bank of America XXXX to correct the problem, but was given a run around - each saying it is the other 's responsibility to fix. 

Please note that Bank of America correctly classifies these identical payments as travel for rewards.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  {$4800.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX  {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$89.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX- XXXX XXXX$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXXXXXX XXXX XXXX  {$160.00} XX/XX/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 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I called Harvard collection agency asking about the debt amount of XXXX to Illinois department of human service.They stated that the debt was old but harvard had received the debt since XXXX of XXXX I informed Harvard collection agency that I have not lived in the state of Illinois since XXXX and the agent told me there was no status of limitation on government debt I stated I would be fling a dispute which I have done with XXXX.Havard collection has done nothing and refuse to remove this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: SD

Complaint narrative:
Opted Out of Getting Prescreened Offers for life. Discover and XXXX XXXX regularly send offers. I do not have any business relationship with either. Most recent offer from discover was on XX/XX/2022 via USPS. Please contact for further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
I have a one main financial account. I have made payments on regular basis and most of the time it is over the amount due. In XXXX of XXXX  I made multiple payments. I made a payment in the amount of {$300.00} on Friday XX/XX/2022 and it was processed/deducted from my account on Monday XX/XX/2022. I logged in again to make another payment in the beginning of XXXX and saw that it said a payment was reversed in the amount of {$300.00}. I called the local branch multiple times before anyone called me back. After 3 days I finally told them nobody is calling me back and I want to talk to someone that day. XXXX from the branch called me and let me know that the payment was returned on XX/XX/2022. I told her no, it did not get returned, I have proof from my bank it had cleared. I sent documentation of the transaction showing it had cleared my account on XX/XX/2022. I got no help from XXXX so I went to the corporate level. I was told BY corporate that because it is a debit card it would have been returned same day. That is a lot different story than the one that XXXX provided. This account is an interest bearing account and I get charged per day on the balance that is in there. It has been over 45 days and this has still not been resolved. I have attached on multiple occasions many documents showing that it has cleared my account and they are refusing to credit my account that money. I had reached out to an attorney recommended by the Oregon State Bar. This attorney told me to send them a letter and demand it be corrected under the Federal Fair Debt Collections Act. I need help getting this payment credited to my account as I have all the documentation showing it was processed and NEVER returned to my account. I have filed a complaint with the XXXX  as well. Please help as this is affecting my credit as well as the balance that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. As did XXXX Account # XXXX 15 u.s.c 1681 section 602 A. States i have a 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 2022-06-02 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, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of 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 non-monetary relief