vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-04-19 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: NJ

Complaint narrative:
I submitted a dispute to Transunion about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.

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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Full return in cash not check of {$300.00} plus fees of XXXX i don't want the pennies. 
Compensation for my time and my wife 's time and expenses ( cab fare to and from the store. 
Investigation into Western Union to see if the are practicing XXXX discrimination in their " refusal '' practices. Statically did WU the refuse the same percentage of transactions for XXXX, a predominately XXXX nation as they did for XXXX and other XXXX XXXX XXXX. 
A signed written explanation as to exactly what " compliance and regulatory issues '' my {$300.00} transaction violated. I have XXXX sending money on a weekly basis to the same person for the past 12 years. XXXX computer system cant tell that to them.That should take care of the " consumer fraud '' excuse. As to the " money laundering ' excuse, I really don't think the drug cartels are interested in the {$300.00}. 
After some research I have l learned that in 2017 Western Union reached a settlement with XXXX  and FTC over these exact issues and was fined over XXXX XXXX dollars. I think they are using small people like me to defraud the FTC and XXXX  that they are complying with any consent order they may have signed. I think you should refer this matter to these federal agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Caine & Weiner Company , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The XXXX XXXX XXXX XXXX for Caine & Weiner Company , Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my XXXXredit score which I am rebuilding.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my credit score which I am rebuilding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: PA

Complaint narrative:
i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 2022-04-19 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: PA

Complaint narrative:
i did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/2022, I logged into my Vystar Credit Union accounts to review the Credit Card options available to customers. On the main page of the site, it offered Zero % balance transfers for 12 months on all 3 card options. From there, I selected loans services of which the options available for credit cards is to apply for a new card or apply for a credit limit increase. I applied for a new card. Once the application was submitted, I received an immediate conditional approval with the credit terms of 9.35 %, 0 % interest for 12 months on {$16000.00}. About a week goes by and I had not received a card. I called the credit union and they informed me they instead increased the credit limit on my existing card to {$16000.00} and advised that I am not eligible for 0 % because that is for new cards only. I Proceeded to explain to the rep this was a new card application. I was then transferred to XXXX XXXX who informed me the same thing but also a new card would not be issued to me unless there was an additional person added to the card. Had I known they would increase my credit limit on my existing card ( which I did not apply for ), I would not have bothered allowing them to place a hard inquiry on my credit report. 

My Issues/concerns : 1. I was not informed of policy at time of application, the system allowed me to submit an application for a NEW card AND placed a hard inquiry was place on my credit.

2. The Approval clearly stated I was approved for 0 % interest at time of the application and after submission.

3. The credit union refuses to accommodate or extend the 0 % offer even though I was initially approved for the new card offer application.

4. The credit union increased my credit limit on my existing card vs issuing a new card I was approved for without my knowledge. This was even after receiving a follow up email from the credit union to " keep an eye out for a docusign to complete in order to receive my new card ''. 

What I am hoping to accomplish is to be given the 0 % interest rate for 12 months on balance transfers as promised on the application and initial approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, XXXX and equifax over the past year and they are still appearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX  Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX  Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, Experian and XXXX over the past year and they are still appearing on my credit reports.

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 2022-04-19 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: NJ

Complaint narrative:
I submitted a dispute to Equifax about a late payment form my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Equifax and proven to be late before they reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CO

Complaint narrative:
im behind on my discover card because they are trying to charge me XXXX after I paid everything off and im not paying them again. so its past do everyday at XXXX they call ive blocked one number that called me 4 times a day and they started calling me from another numbe and its every day so far I have it blocked too. automated voice mails. ive already tried fixing this with them and they refuse so I dont answer and im not paying there corruption on trying to get me to pay another payment after I paid everything off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am requesting the periods of XX/XX/XXXX through XX/XX/XXXX of the No bill due period be counted on all loans towards my 120 payments as I would have made a payment if they were not in Administrative Forbearance when determining the outcome of my Borrower Defense Application 3 years later. With the additional payments being counted I will reach the 120 payments required for forgiveness. I am willing to pay the loan payments from XX/XX/XXXX through XX/XX/XXXX that were in Administrative Forbearance.

Per the article here : XXXX XXXX It states the following : The Department will address forbearance steering by : Conducting a One-Time Account Adjustment to Count Certain Long-Term Forbearances toward IDR and PSLF Forgiveness Borrowers steered or inappropriately placed into long-term forbearances miss out on critical progress toward IDR and PSLF forgiveness ; this can set them back years. The Departments regulations and servicer contracts have safeguards, including a 12-month limit for any single use of forbearance, and a 36-month cumulative limit on discretionary forbearance. A review of past forbearance use shows that long-term use of forbearance was remarkably widespread. More than 13 % of all Direct Loan borrowers between XX/XX/XXXX and XX/XX/XXXX have used forbearance for at least 36 months cumulatively. These changes will be applied automatically to borrowers accounts later this year. To mitigate the harms of inappropriate steering into long-term forbearance, FSA will conduct a one-time account adjustment that will count forbearances of more than 12 months consecutive and more than 36 months cumulative toward forgiveness under IDR and PSLF. Borrowers who were steered into shorter-term forbearances will be able to seek account review by filing a complaint with the FSA Ombudsman at StudentAid.gov/feedback. 
I am requesting a one-time account adjustment from XX/XX/XXXX through XX/XX/XXXX as my loans were in Administrative Forbearance when determining the outcome of my Borrower Defense Application 3 years later as I am willing to make back payments. 
Attached is my Borrower Defense Application dated XX/XX/XXXX, emails from the Borrower Defense Department putting my loans in Administrative Forbearance and the when the application was approved XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OK

Complaint narrative:
I am making a formal complaint against Franklin Service , Inc., XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX ( XXXX XXXX XXXX ). I paid Franklin Service {$260.00} on XX/XX/XXXX to settle my debit in full with XXXX. Franklin Service did not report my payment to XXXX for account #. On XX/XX/XXXX I paid XXXX ( XXXX XXXX XXXX ) additional {$130.00} on same account #. I have attached receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I purchased a product on line through another scandalous company unbeknown at the time to promot there product well i figured can't promoter it unless it works so i put hade it it once but twice by accident the keep itstruction unclear so this happens quite offten.i industry reach out for a refund Wich all day they gauranttee only to be XXXX.so i do the next thing on list report it to bank file dispute to find out these people have been ripping me off for months some how got into my PayPal account and set them selves up on auto pay and have been siphoning money for months now because if that pay pal has sided with them other wise they have to admit some one got in there security.and are refusing my claim and mean time these people have gone back into pay pal and set them selves up on auto pay and hitting my account again after i filed complaint and turned auto pay off again myself.thid is on pay pal and i think they should be held responsible for it.i live on a fixed income so yes XXXX is alot to loose all at once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX has been requesting a FULL refund/reimbursement of the Chase Reward Points and Cash ( {$1300.00} or XXXX points ) used to purchase XXXX ticket reservations : Trip ID : XXXX XXXX Confirmation # XXXXXXXX XXXX XXXXXXXX FOR PASSENGERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 


Under XXXX Flexible XXXX Policy, if a passenger is unable to fly due to contracting XXXX, they must submit proof of being XXXX with XXXX, then XXXX will refund the value of the tickets. On XX/XX/XXXX, we summited formal proof of XXXX results. Still no refund has been made and no acknowledgement of the request has surfaced. We are requesting assistance form the Consumer Financial Bureau to help correct this situation as no other methods have proven effective.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 explanation