vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed bankruptcies on my credit report with XXXX, Equifax and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, Equifax and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I have contacted EQUIFAX via email regarding the line item account and display of my nonpublic personal information as a non-affiliated third party. EQUIFAX has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the EQUIFAX line item REPOSSESSION and LATE PAYMENT be excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
So I sent my letter to Experian on XX/XX/2023. Here is my tracking XXXX ( XXXX ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

Please remove address : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent an email explaining that I was frustrated because I had tried ( XXXX ) checking accounts, ( XXXX ) savings account and a bill pay through the local grocery store and every time my money would be removed from my bank account for about 3-5 days before being returned. 
At that point the last payment they processed was for XXXX and I needed to pay both XXXX and XXXX and at that exact moment I had all of XXXX and half of XXXX to give them due to an unexpected car expense. 
I got an automated response to my inbox on their website telling me the name and extension of the person assigned to my account to call. I called, got a regular representative who told me she couldnt help me/take my payment and transferred me to the voicemail of my assigned person. 
I never received a call back. 

I forwarded my original email with an update on no follow up on their part again on XX/XX/19, after making multiple calls to their number and never being able to reach my assigned person. 

They once again sent me a message on their website with a new person to contact. I called again, and the regular CS agent let me know they couldnt help me and again forwarded me to the right persons VM. 

I waited a couple of days and still nothing. 

My last time calling, I was on hold for over an hour before reaching a person who told me that no one in that department works that late but she would try to find someone for me to talk to. I was on hold for about 10 mins before she returned, told me she found someone to transfer me to, where I then sat for approximately 20 mins while the line went between ringing and hold music, before sending me to a VM. 

As of today : No one from BSI has reached out of me aside from the automatic messages sent through their website, I have not been able to pay my XXXX, XXXX, XXXX or XXXX mortgage payments and am starting to get harassing texts and calls about people wanting to buy my house before it goes into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Cancel card in XXXX .... I have my card ending in XXXX and it should have three deposits coming. I do not want any other card except for my XXXX with BLUEBIRD. I will not contact you anymore regarding bluebird unless directed otherwise... I apologize for any inconvenience or confusion. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For over a year, Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS OR TRYING TO FREEZE MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE. We are having technical difficulties. We appreciate your patience while we resolve this issue. 
THIS HAS BEEN THE SAME ISSUE FOR OVER A YEAR AND I CAN NOT KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.

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 2023-11-19 00:00:00
Product: Credit 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: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2023, I received a notification about possibly fraudulent activity on my US Bank credit card. I immediately called US Bank and shut the card down, and reviewed transactions which had been made that day. The first fraudulently made charge was at a XXXX, and there were several others that did not go through. Two fraudulent transactions did go through- one for {$36.00} at the same XXXX XXXX and one for {$80.00} at a XXXX XXXX and XXXX XXXX . US Bank is refusing to nullify these fraudulent transactions, as they show them as being made using the chip on my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
On XXXX around first week of 2023. I noticed there was a debt collection {$6800.00} on my XXXX XXXX  account opened on XXXX XXXX2023 from Jefferson Capital System with original creditor XXXX XXXX. I disputed it with XXXX discussing I never opened a XXXX and has been with XXXX XXXX XXXX for 10 years now. I have never missed payment with XXXX XXXX XXXX  and always completed my payments. I will also not spend this much amount in wireless. My dispute was denied and this is still showing on my credit report on debt collection. I have been working hard to pay my XXXX loans and credit card payments and to have a debt that is mine is heart breaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo
State: TX

Complaint narrative:
Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Kovo INC is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Kovo INC the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Kovo INC whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Kovo INC has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a Paypal customer with email address XXXX PayPal locked my account 26 days ago and asked for certain information and documents to unlock which I have provided but they have not unlocked my account.

I want PayPal to fix things right for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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:
On XX/XX/XXXXXXXX  I mailed a certified letter to Experian requesting the method of verification they used to verify the accuracy of these accounts ; 1 ) XXXX XXXX- {$950.00} 2 ) XXXX XXXX XXXX XXXX ( 4 accounts ) 3. ) XXXX XXXX  4. ) XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX VA XXXX Experian reopened a new investigation upon receiving the request for method of verification used to verify the investigation which was opened in XX/XX/XXXX and sent to me a notification today on XX/XX/XXXXXXXX   the accounts were updated which is not what I requested from them. This issue has been ongoing since XXXX  and I have letters and certified letter mail copies of the requests for the method of verification used to make the decision these accounts were verified accurately but they have refused to comply with the requests.

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 

XXXX XXXX XXXX : Balance {$1400.00} Last Report date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX : Balance {$410.00} Last Report date XX/XX/2023 Discover Personal Loan : Balance {$790.00} Last Report date XX/XX/2023

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 

Barclays Bank Delaware : Balance {$1400.00} Last Report date XX/XX/XXXX  XXXX XXXX XXXX XXXX : Balance {$410.00} Last Report date XX/XX/XXXX  XXXX  Personal Loan : Balance {$790.00} Last Report date XX/XX/

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 2023-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/2023, I purchased three XXXX XXXX XXXX ( XXXX  ) from a XXXX XXXX XXXX location. I loaded each card with {$500.00}. One card worked and two were already drained. On XX/XX/XXXX, Incomm mailed me two replacement XXXX  Gift Cards. Per the instructions on the letter provided with the replacement cards, I called Incomm to activate both cards. One card activated fine and I've already used the card. I have been unable to use the second card. After my initial call to activate the second card, I have called Incomm multiple times. The Incomm reps can see the declined transaction but insist the card is " active '' and it should work. It does not work and no one at Incomm seems to know how to fix the problem. Even though I purchased the gift cards together in one transaction, Incomm set up separate Case Numbers for each drained card and the replacement XXXX  came in separate envelopes. The two case numbers are XXXX and XXXX. I am not sure which case number applies to which XXXX that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capitol One calls me at least 20 times a day in regards to bill I think. I have blocked but they continue to call hundreds of Times in a month. Absolutely tired of it and annoyed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am a XXXX veteran who unfortunately has had ID theft occur due a data breech with the XXXX XXXX XXXX XXXX XXXX. I have a fraudulent account with a credit card company called XXXX XXXX XXXX XXXX  that was opened on are around XXXX of XXXX. I have sent documents directly to TransUnion and they responded back sometime later claiming I was lying, and they refused to take any action or remove anything. As a XXXX veteran I can not always catch things right away especially when it comes to my credit. Both of the other credit agencies took care of this fraudulent account with no issues. I Will attach the supporting documents once more to this complaint showing this fraud account is not mine. I have also had several FRAUD inquires that need to be addressed Aswell. If TRANSUNION can not provide me with proof these inquiries were done by me then they need to be removed ASAP. Thank you XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4.XXXX  XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief