vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Conduent Incorporated
State: MI

Complaint narrative:
On XX/XX/XXXX I called to get a new card expedited but the automated service advised I had an overdraft fee of {$27.00} and some change on my prepaid card! Knowing that the balance at that time was {$81.00} the last deposit with no fees deducted I called to speak with a representative to find out what was going on because the card is a child support card and there should never be an overdraft due to the way the card is set up! I was hung up on because I told the rep I was recording the call for legal purposes! I called back ( and recorded the call anyway the next rep told me my balance was {$81.00} which was the amount deposited into my account on XX/XX/XXXX after investigating I was told the overdraft came from a previous card that was reported by me as lost or stolen In XXXX of XXXX! The charges came in on XX/XX/XXXXXXXX  one for {$100.00} and one for {$30.00} and after being placed back on hold with the representative they took the balance that was on my card, which was partial payment, another thing that should not be allowed on my card! The numbers didn't even add up! If the charges added up to {$130.00} and {$81.00} was deducted the balance of the overdraft should have been {$56.00} not {$27.00} and some change! On XX/XX/XXXX another deposit was made and they took {$25.00} but no one could tell me who withdrew the money it was showing as a deposit but it was withdrawn? After calling for almost 2 weeks because no one ever tried contacting me about the issues as promised and speaking with several reps and supervisors who also didn't understand or had knowledge of what was going on! ( should have been in the notes as a matter fact there should have been a flag on my account! A supervisor told me that its normal for a merchant to collect on a card that was reported lost or stolen and I need to contact the disbursement center for child support because they are the ones who took the {$25.00}. After speaking with the disbursement center I was told they never withdraw they only deposit. Also none of the charges they speak of show when I go online! During this process I was lied to so many times hung up on and I was not rude! This situation lead to me not being able to pay my bills and as a result I could not work because I work from home and my internet bill needed to be paid that's why I tried to get the card expedited! One of the calls were to long to attach so I created a link and put it in a word document!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-19 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
There's a credit report on my score I'd like to dispute it under the XXXX XXXX XXXX And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: U.S. BANCORP
State: DE

Complaint narrative:
XXXX for period XXXX showed balance of my rewards as {$81.00}. It was after credit of {$14.00} was made on that statement, which means that the balance of rewards was produced after that credit. the next statement for the period XXXX showed a balance of rewards of {$81.00}. I have not used that card until XXXX of XXXX. That statement for the period XXXX failed to indicate of what was my previous credit balance and indicated only my " new balance '' for that period which obviously included year XXXX only {$10.00}. When I called today the credit card company ( i.e., XX/XX/XXXX ) and talked to a lady by name XXXX, she told me that the balance is only {$73.00} and deductions were made for those XXXX credits mentioned in previous statement?! Such huge deduction was unjustified and unfair. That last statement with {$10.00} credit indeed shows a deduction of {$9.00} for a fraudulent charge to my credit card but that deduction does not justify that judge reduction in my rewards balance!

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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: TN

Complaint narrative:
I looked at my XXXX credit report and noticed many accounts and other items that don't relate to anything I've done.

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never asked XXXX, Transunion or XXXX to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with 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 2023-01-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I never asked XXXX, XXXX or Equifax to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NY

Complaint narrative:
I am trying to dispute the following charge backs for over 4hours today on PAYPALS your site for charges unauthorized and made as listed below on XX/XX/, were refunded when disputed originally and now charged back by XXXX on Paypal again without reason or investigation results. On Paypal you are instructed to go to their resolution center which I have now for hours without being able to locate these charge backs by Invoice # or dates, then the site does not allow you to see the month when you try and put in the dates and you are not able to send Paypal a message for help.The Charges in question that were originally disputed, refunded then recharged through XXXX XXXX XXXX I am assuming related to Paypal are as follows : the InID # XXXX for XX/XX/XXXX and XXXX are XXXX ( XXXX {$180.00} ), XXXX XXXX {$380.00}, XXXX ( XX/XX/22 - {$420.00} ) & XXXX ( XX/XX/22 {$630.00} ). PAYPAL Mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ALL UNAUTHORIZED CHARGES, Your system does not allow me to find each and dispute seperately ... .ALL CHARGES WERE REFUNDED THEN CHARGED BACK BY XXXX- THEY WERE IDENTITY THEFT and I have a case with FTC and Criminal Police Report XXXX. Kindly provide refunds and any information in writing, your site does not provide accesss to file independently. Actually your site can not even find these case #, 's. signed, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. Another NOTE THERE IS NO ONE THAT CAN HELP YOU WHEN YOU ASK FOR HELP ON THE SITE AND PAYPALS CUSTOMER SERVICE NUMBER HAS NO INDIVIDUAL THAT ANSWERS TO ASSIST EITHER PAYPAL XXXX. It is insane the level of frustration to try and contact PAYPAL To resolve anything. Need assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: VT

Complaint narrative:
I've asked repeatedly to close this account, once and XXXX then in XXXX, they failed to do so even after my last complaint to CFPB. This has affected my credit, and at this time I'm requesting that they remove the last late notation from my credit report as this should've been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 have been disputing this unauthorized inquiry from XXXX since XX/XX/2020. I have reached out to XXXX XXXX  and they have no record of my Information in their system. I then started my dispute with Equifax by sending over all required documentation showing proof that this inquiry was not done by me. I have sent over several FTC reports to Equifax and it seems to me that I get ignored each time. Under 15 U.S. Code 1681 ( n ) civil liability for willful noncompliance. So this account is also in violation. Please remove this inquiry asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: PA

Complaint narrative:
There is an account XXXX XXXX XXXX  with a XXXX  XXXX showing up on my credit report under Experian- I do not bank with this bank, and did not order or request a bank card with this bank, nor have I ever authorized or given permission to anyone else to do so under my name or any of my personal information. 

The account was considered dormant, and then was flagged for 30 days, then 60 days past due and has significantly damaged my XXXX XXXX. This is an incorrect account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: 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 companys 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 Im trying to start a new job that these issues are making more difficult than it should be.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
keep getting calls on my cell from some one saying they are American Express regarding a loan application- have no loan application, have receeived 12 calls from XXXX. When I call they want me to give them my SSN.

Company response to consumer: Closed with non-monetary relief