vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 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: SC

Complaint narrative:
I'm a victim of identity theft. A auto loan for XXXX XXXX  was opened in my name. Being a XXXX XXXX I'm over the road alot and not able to be homelike I want. Once I realized the fraud I filed a ftc identity theft report online. I've disputed several times with Equifax a d sent my DL and identity theft report and they still continue to report this harmful information that I'm not responsible for. This is wrong and needs to be corrected asap. This is Fraud Enablement and the damages I'm suffering due to this fraud is a violation of my rights under the FCRA law. I intend to take the necessary steps to rectify this matter. I've done my part and desire to amicably resolve this miscarriage of justice immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: TX

Complaint narrative:
On XX/XX/XXXX, an automatic payment for {$4.00} was processed by PayPal and should have been deducted from my established " preferred '' bank account. Instead, PayPal deducted the funds from a secondary account which incurred XXXX  transaction fees totaling {$15.00}. In previous months ( XX/XX/XXXX- XX/XX/XXXX and all of XXXX ), funds were properly deducted from the primary " preferred '' linked account. 

The linked, " preferred '' account was fully funded and could process the transaction. PayPal 's use of XXXX is not allowed to access my primary " preferred '' linked account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: NY

Complaint narrative:
I received A letter in the mail from a lawyer offering services due to my having been sued. Now, I never received any communication from this company regarding an alleged debt. Not only that, But I was never served any papers whatsoever. 
In summary, this company has sued me without ever bothering to check with me the veracity of the claims. Additionally, they sued me and they never served me papers. 
here is the company name. 
First Portfolio ventures I LLC XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
MY NAME IS XXXX XXXX PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I did speak with customer service from Synchrony Bank about JCPenney. My card was closed in XX/XX/2016. They keep to stay my negative account in credit bureaus for 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial has ruined my life. Ive been reaching out to them for months. They keep reporting the same medical bill on my credit report twice. Same date same amount, I have proof.they are violating 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I get 2 or 3 spam texts from capital one from an XXXX website and it's annoying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
Have reached to all parties disputes these accounts not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
RE : CONTINUED HARASSMENT AND THEFT BY TD BANK Hello TD Bank : XXXX XXXX President of TD Bank wrote us a letter in XX/XX/2022 ( attached ) advising that our bank accounts would be abruptly closed on XX/XX/2022. 

Why then are you continuing to keep it open and charge my account bounced check and overdraft fees when it was obviously emptied in response? 

Please refund those immediately since XX/XX/XXXX and before. 

In addition, why in XXXX is your merchant service continuing to attack us with credit card charge backs ( repeatedly presented after we originally won them ) when the XXXX XXXX account termination letter also stated that our merchant service accounts would be closed on the same day, XX/XX/2022, and we have not used them since XXXX after having switched both our bank and our merchant accounts. 

This only forces us to continue to prepare and respond to useless, already dealt with, and already won credit card charge backs, thus wasting our time, resources, money and energy - or is this your goal, to continue to hurt our small business, long after you chose to disrupt it by abruptly closing our accounts because we filed government complaints about your XXXX service? 

One more time - close down these accounts immediately, so that we no longer have to hear from any of you, ever again, otherwise we will once again file government complaints against TD Bank and its associated merchant services, again. 

Be guided accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: WI

Complaint narrative:
15 U.S.C 1681 Section 602 A.states I have the rights to privacyC 15 U.S.C .1681 Section A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction account numbers XXXX XXXX XXXX account number 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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I previously had a situation with Bank of America which cause it to reflect negative on my consumer report. This negative remark is now causing an issue with me getting a position that I've worked very hard for and is well deserved. I simply ask after 16 years are almost perfect payments, that I may receive good will on the one missed payment. See attachments for detailed explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Bureaus, Inc.
State: OR

Complaint narrative:
I received a lawsuit summons from a company I do not recognize and have not received any direct notification, statement, or notice of intent to sue from them prior. There is a credit card account originally held with XXXX XXXXXXXX XXXX. According to the summons, the debt was purchased in a bulk sale from XXXX XXXXXXXX XXXX by Bureaus Investment Group in XXXX Colorado. According to the summons paperwork, the balance showing at the time of charge off on XX/XX/XXXX was {$1000.00}. I only recently found out about this creditor when I noticed it showed up on my credit report and I was trying to figure out who it was so I disputed it with the credit bureaus. Today I was served with the court summons as a response from the creditor in question. According to the summons paperwork from the Plaintiff and the circuit court of XXXX XXXX, it says I have 30 days from the date of service of the summons to respond. The paperwork is Dated XX/XX/XXXX and today is XX/XX/XXXX. I did not receive the paperwork until 30 days after therefore not giving me ample time to achieve counsel and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Can not log into the MyEquifax site. ( https : //my.equifax.com/ ) Error message provided every time is " We are temporarily unable to complete this request. '' I called them and went through some troubleshooting processes with no luck. They told me to try again later. Its been a week and its still giving me this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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 OF MO # XXXX, XXXX  XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX acct # XXXX XXXX XXXX acct # 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 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 2022-04-10 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: MA

Complaint narrative:
n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 non-monetary relief
Consumer complaint received 2022-04-10 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: MA

Complaint narrative:
n accordence with the fair credit reporting act covergent account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting acXXXX XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I am writing in regard to my Bluebird Account ( s ). I originally opened a card for my daughter who is in a program called New Directions for Young Adults in XXXX XXXX, Florida. The Bluebird card was recommended by them. I opened the account under my name. 

After months of trying to find an easier way to load money to the card ( other than my only option of going to XXXX with cash ). I called Bluebird, the representative was unhelpful and put me on hold until the call eventually hung up on me. There was approximately {$260.00} on the card at that time. 

XXXX recommended that I open the Bluebird American Express instead. I was able to open a Bluebird Amex and put {$100.00} to start. But when I tried to open a subaccount for my daughter, I kept getting an error message that an account already existed. I called Bluebird to ask how to fix this. Their representative said I had to cancel my daughter 's current subaccount and set up a new account. I asked how I would get the money off the current card and he said I could transfer the funds remaining once she had her new subaccount. He then put me on hold and after waiting 15 minutes the call was cut off. 

After cancelling my daughter 's first account and opening another subaccount for her I was able to order a card to be delivered to her. I went online to transfer the funds from my 1st card to the new account. I was unable to do so. Just kept getting error messages. I then tried to transfer the money to my daughters subaccount and was also denied. 

I tried to call Bluebird to ask for help and I got a message that my account was permanently suspended for fraudulent activity and the call hung up on me. Then I received an email from Bluebird saying my account was permanently suspended. Despite numerous calls I was never able to speak with a representative, I would just get the permanently suspended message and the call would be cut off. 

I have never had a worse experience with a company. It is especially frustrating as we are long time American Express XXXX card holders. I would like my funds remaining ( {$360.00} from both accounts ) sent to me by check immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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