vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc.
State: NY

Complaint narrative:
I received a collection letter for two medical charges of {$110.00} totaling {$260.00} for services by XXXX XXXX XXXX a XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX NY where I spent XXXX days with XXXX XXXX. The charges were for services received on XX/XX/2022 and I paid these charges in full with my XXXX XXXX card on XX/XX/XXXX with the XXXX payment app. I submitted proof of payment to Action Collection Agency in XXXX yet they continue to harass me for payment. I consider this matter closed and want my name off their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have a credit score over 820 and have been with Discover since XXXX 

I contacted discover Bank early in the morning to ask questions about their checking and savings promotion. An agent confirmed that I had never had a discover Bank account, she did notice my discover credit card and discover XXXX XXXX account. She noticed that the address on file was incorrect and asked me if she could update it. She then repeated the address correctly back to me reflecting my XXXX address. 

Later in the day I applied for the savings account online myself with promo code XXXX, and a request to find the account with {$25000.00}. The application was denied. I called into customer service ( XXXX XXXX in XXXX ) that was told my address was wrong, and I would have to submit an entirely new application. 

I thought this was completely ridiculous however supervisor XXXX ( rep ID XXXX ) assured me that the original application was cancelled and that we should try again after update my address apartment to the second line on my credit card file. I update this. I AGAIN submitted an online application for the savings account with funding deposit if {$25000.00} and promo code XXXX. This was again, denied. 

XXXX suggested that we try an application over the phone with her. She submitted a 3rd application with the same promo code, XXXX, and a third time it was denied. 

XXXX also mentioned that the rep form the morning did NOT update my address as she had indicated she had. 

I have spent more than 2 hours in the phone with Discover, and I still do not have an account or a solid reason as to why my application is being denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2022-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
About 1 month ago I was contacted by a XXXX female on social media ( XXXX ) who pretended to be interested in me. she sent me photos on XXXX, and I sent her some of me. then she wanted to do video chat she was talking about love within a week of chat. I was like wow slowdown that's when I suspected that this may be part of a scam. But I played along then she wanted to help me make a good investment. she said she was a crypto assets manager in XXXX, and she would be flying into XXXX Fl. next month and I should meet her there if I want to. But I'm in XXXX. Now she wants me to open an account with XXXX  and I should put {$520.00} In a certain crypto that is in the primary market like XXXX she said. stating it was digital love day in her country on XX/XX/XXXX which was the next day so that's why I should put {$520.00} on an investment so it can be the first thing we do together. So, the next day she walked me through the application process, and I was careful not to share any sensitive info with her but when I had trouble with the opening of my account, she started getting pushy and that's when I told her that I think she was trying to scam me somehow, she lost interest in me really quick and told me off XXXX XXXX XXXX XXXX. I said OKAY bye. and I thought that was it. then I made the mistake of going through with the opening of my account with Gemini except I only deposited {$100.00} not {$520.00} well as soon as I made the deposit may  account was frozen when I noticed it was frozen the next day, I contacted support and we went through a lengthy process of revalidating my identity and documents and authenticator, but we finally got the account unfrozen only to find it frozen again the next day. and it has remained frozen since. about a month of emails ( over 60 emails ) more validating and authenticating but they don't unfreeze my account I provide everything they ask for and they still don't unfreeze my account. all the while my balance is shrinking. they use the term frozen when in fact it is not frozen if I am accruing losses to my balance its more like a lock out of my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
My initial call was because my XXXX XXXX account was negative and I didn't know how that happens there was a transaction on there that was dated for a certain day and time that I can prove I wasn't at the place. I begged I pleaded and I told these people not to deactivate my debit card. That's the card that's attached to the checking account on which I did ask them to block a merchant I did not ask them to deactivate that card at all and I need to make this very clear that multiple times I talked to multiple different employees and every time I told them do not deactivate this card I just want to block the merchant but they went and deactivated the card anyway. All I got from them was the first name of the man who deactivated my debit card and I don't even know why because it was already handled! And the woman I literally again literally begged not to shut that card down. Thank God that woman was incompetent because she shut the wrong card down which just so happened to be the card that needed to be shut down. But my complaint is my debit card was canceled after I had specifically said not to do that for no reason whatsoever now I have to figure out how I'm going to get my refund put into my account because they shut down the card it was attached to like I explained to them. This bank is junk their customer service has no clue about the banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: PA

Complaint narrative:
Fraudulent Negative Accounts : XXXX XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}

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 2022-06-19 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: PA

Complaint narrative:
Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}

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 2022-06-19 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: PA

Complaint narrative:
Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation

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 2022-06-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation

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 2022-06-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have told all three credit bureaus to investigate all negative items on my credit report according to the FCDPA which states they must ask relatives, friends, etc this was not done properly so this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an account listed on my Experian credit report that is not mine. The XXXX, XXXX, has not shown me anything proving that I bought anything from them. Because I have not. Experian has investigated it at least twice, and can also show me nothing that shows this is my account. Because it is not. Yet Experian continues to show people that I am not paying my bill. This is false information, and Experian will not correct it, or correctly investigate. Experian asks XXXX if it is my account, and XXXX says yes, without providing any documentation that it is, and Experian continues to disseminate lies about me.

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 2022-06-19 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2022-06-19 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One charged {$700.00} to my personal checking account of XXXX  XXXX XXXX on XX/XX/2022 and this transaction was not authorized. Ive never opened account or debit/credit card or had a business with Capital One at all. Especially they charge {$700.00} to my personal checking account directly and my name was remarked on the transaction details so I speculate my ID has been illegally used on this transaction. I made a call to Capital One customer center to fix this issue but they rejected to help fixing issue because Im not their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX US Bankruptcy 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/22 at XXXX, I received an email congratulating me on opening a new checking account with Truist Bank but I never opened a checking account with this bank. I called the bank but their customer service line is down until Monday on XX/XX/22, which is a holiday. I wanted to get a head start on this report before someone spends money in my name and I an held responsible.

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 2022-06-19 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: CA

Complaint narrative:
In accordance with the Fair Credit act XXXX  Account = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy have violated my rights.

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 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 2022-06-19 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: CA

Complaint narrative:
In accordance with the Fair Credit act 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 Bankruptcy have violated my rights.

15U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 604 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 2022-06-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
VIOLATIONS Section 607 ( A ) ( B ) Compliance Procedures : Accuracy of Report Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate of unverifiable information Section 623 ( A ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer reporting agencies THE STATUE OF LIMITATION IN CALIFORNIA IS FOUR YEARS In XX/XX/XXXX Experian added a collection account to my credit report from a debt collector called XXXX  XXXX XXXX XXXX in the amount of {$1400.00}. I have constantly asked Experian to verify this debt because I believe the balance is inaccurate. Experian keeps saying this account is verified and the Information is correct.. XX/XX/XXXX I contacted the debt collector myself and asked for debt validation. I was sent a letter saying that I owe {$2000.00}. once Again I've tried numerous times to contact Experian about this inaccurate reporting Information. now here it is 6 years later on XX/XX/XXXX Experian is reporting a balance of {$2200.00} on XX/XX/XXXX the balance changed again to {$2200.00}. how is this collection account 6years later gaining {$900.00} in random charges please delete account you're constantly reporting inaccurate information I've included all supporting documents.

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 2022-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 has violated my rights 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 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 non-monetary relief
Consumer complaint received 2022-06-19 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: TX

Complaint narrative:
in Accordance with the fair credit reporting Act 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : XXXX XXXX XXXX XXXX Account number XXXX has violated my rights

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 2022-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  has violated my rights 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 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 non-monetary relief