vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I Have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also States a consumer 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 explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has almost 2 years since I asked experian to unblock my credit report, I called them, mail them and emailed them Asking to remove the block/freeze. They always say theres no block or freeze but my account shows otherwise. This situation has prevented me from open new ways of credit and hurt me a lot financially.

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 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I tried reaching out to customer service and the security team at chime to either close or get XXXX to my account. After following their protocol and send my id with photos of me standing in a pose with that days date and time yet they refuse me access to my funds. I'm asking for the situation to be resolved immediately or I will sue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
on XX/XX/2022 I called best Egg and asked them to stop ach payments withdrawals and they said OK but to also write a letter which I did the same day. The ach payments did not stop. I had to file XXXX  XXXX bankruptcy in XX/XX/XXXX XXXX the ach withdrawals did not stop. they continued to take payments. I called again and they said they would stop as they were notified by the court. they withdrawals continued and the bankruptcy couldn't close since they now owed me money Ithe Trustee was to give to creditors. the Court gave them a reprimand on XXXX and again in XXXX XXXX to this day they try to auto withdrawal payments which I now keep the account empty and told XXXX XXXX XXXXXXXX to deny the payments which are adding to fees. so far they owe me approximately {$2000.00} in ach withdrawals after I took away my permission and street the bankruptcy and the day they don't know how to fix the issue. until then the bankruptcy can not be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NV

Complaint narrative:
on XXXX XXXX I called to tell upgrade to stop ach payments and they said no problem but to write a letter to verify which I did the same day. the ach payments did not stop and I filed XXXX  XXXX bankruptcy on XX/XX/XXXX which upgrade was notified and given the judges orders to cease collections. they did not. I called my bank and they stated upgrade had documents that they had my permission for ach even after I stopped that. they continued to take monthly payments until a reprimand on XX/XX/XXXX XXXX no one there knows what happened and XXXX  XXXX XXXX still says occasional attempts to correct the amount due are still being attempted. they were notified in XX/XX/XXXX and again XXXX XXXX they won't discuss the account further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: FL

Complaint narrative:
In Accordance to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 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 explanation
Consumer complaint received 2023-06-25 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.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # 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 explanation
Consumer complaint received 2023-06-25 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.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # 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 explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816. 

I have mental health problems and will need help sorting out these many many pages of data.

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 2023-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
I called and wrote Prosper to revoke my ach payment authorization abs they OK it but the ach payment continued. I filed XXXX  XXXX bankruptcy on XX/XX/22 and the clerk verified that they were notified and the ach withdrawals continued and XXXX  XXXX XXXX not Prosper could stop the ach payments

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 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Credit Network Inc
State: IL

Complaint narrative:
Sold medical bill to 3rd party. Violation of hippa. Also it shows late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: FL

Complaint narrative:
In Accordance to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In Accordance to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 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 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681e ( b ) According to the IRS canceled debt ( Charge Off ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. These are the accounts and please stop letting them get away with updating these accounts ... 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 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  ... Please delete these accounts Off my credit. Thank you.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
*Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I demand your prompt attention to this matter.

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 2023-06-25 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
filed disputes with my bank wells fargo to get my money back for my XXXX  sailing jacket size medium mens, XXXX XXXX womens denim bag, two pairs of XXXX  sz XXXX men, and 4 pairs of XXXX sneaks 3 of them sz XXXX and one sz XXXX mens that i never received and lost the case due to the fact the seller provided a signature which wasnt mine, thats not even a signature. Its just a line that anybody could have signed. and also i send wells fargo proof of my signature way before the resolution to go by so they could use as a reference and still refused to use it and im out of money

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 2023-06-25 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: MOHELA
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: SD

Complaint narrative:
I am writing to express my significant concern about a problematic feature in the user interface of US Bank 's online bill payment system, which has twice led to unintended financial consequences. 

In its current design, when a user creates a new bill payment and has not previously chosen a default account for payment, the system automatically selects the first account from the user 's list. In my case, this has been a savings account that I did not intend to use for these transactions. This automatic default mechanism contradicts the user 's autonomy in making explicit choices about their financial actions. 

As the current setup stands, the system doesn't provide an empty default state, requiring users to actively select the account they want to use for payment. Instead, it prematurely pre-fills the account selection field, which can lead to unintended transactions, especially if the user overlooks this pre-filled information. 

This issue has twice resulted in an erroneous deduction from my savings account, amounting to a total of {$92.00} in fees. Although US Bank has refunded these fees, this situation underscores an inherent flaw in their system design that can potentially lead to similar issues for other customers and unfairly increase US Bank 's income. 

In the realm of banking, I firmly believe that there should be no default values attributed to financial transactions unless they are expressly specified by the customer. This would minimize risks associated with erroneous transactions and strengthen the overall user experience. 

The current system behavior, as it stands, is not acceptable. Therefore, I strongly urge US Bank to review and revise this functionality to prioritize explicit user selections and XXXX  against unwarranted financial consequences.

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 2023-06-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the pay is whit capital one credicard they force to pay. {$55.00} dollar and they are reporting to my credit score

Company response to consumer: Closed with monetary relief