vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: CA

Complaint narrative:
I am a full time XXXX XXXX XXXX XXXX My account was hacked or something and {$200.00} was stolen from my account : - ( on XX/XX/XXXX I was shopping for a DoorDash order at a XXXX in XXXX XXXX California on XXXX XXXX. While I was shopping I got 2 notifications on my phone saying that {$100.00} was withdrawn from my Doordash payfare payment account which was impossible I had my only debit card linked to my account was in my pocket. There is no ATM inside of this XXXX. 
I had used my card to withdrawal {$900.00} earlier in the day and paid for lunch at XXXX XXXX. 
There is a daily withdraw limit of {$1000.00} on my account. The security withdrawal limit did not stop someone from stealing or hacking {$100.00} out of my account. 
Then another {$100.00} was taken from my account which again exceeded my withdrawal limit. 
{$200.00} was stolen out of my account which exceeded my daily withdraw limit neither of these transactions should have been authorized as they both exceeded my withdrawal limit. 
After I saw this I went into the parking lot with the XXXX XXXX order and called payfare I reported the transactions, canceled my card, tore my card in half and ordered a new one. 2 Hours after {$200.00} was stolen from my account they were trying to take out more money! 
Payfare will not give me my money back they denied my request when I submitted the dispute form. 
Payfare will not tell me where these withdrawals were made Attached is proof that that I was shopping inside of XXXX on a XXXX XXXX  order between XXXX and XXXX on XX/XX/XXXX Attached is proof that the withdrawls were made at XXXX & XXXX pm Attached is proof that they attempted to take more money from my account at XXXX after my card was deactivated and tore in half.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute via text message with Transunion because online wasnt working. They submitted it and it showed up online. I then waited a few days and it was no longer there. Why am I not allowed to dispute something?

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 2023-12-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2023 {$1300.00} I sent money for a product to be delivered. Here 's evidence for my dispute and all the conversations/proof. The seller never sent my item or tracking. 
I tried to pull as much info from the email of this seller and number from the store. I am possibly even seeking a police report/legal action if needed. 
I attached the docs/pdfs/invoice below for reference and our conversation.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2023 I transferred my student loans from XXXX to XXXX for repayment. After my loans were transferred to XXXX, XXXX failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted XXXX three times by phone to have this complete and even filed a dispute with XXXX to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with XXXX as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that XXXX is failing to accomplish on my behalf. I filed a dispute on Experian for all my XXXX accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with XXXX were transferred.

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 2023-12-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an 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 non-monetary relief
Consumer complaint received 2023-12-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I reviewed my credit report and notice account that I did NOT authorize in my credit report and its preventing me from receiving new credit.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit report and notice account that I did NOT authorize in my credit report and its preventing me from receiving new credit.

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 2023-12-22 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$620.00} XX/XX/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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
My credit card account with First National Bank of Omaha was paid in full in XXXX XXXX  XXXX. There was a {$0.00} balance following this payment. Following that payment the credit card was not used, no communication was received from FNBO. The card was inactive as far as I was concerned, with a {$0.00} balance. 

Today, XX/XX/XXXX I receive a credit monitoring alert about a late payment being reported and to my surprise its FNBO reporting this account as XXXX  days past due for a {$12.00} balance. I called and discovered that this {$12.00} is a finance charge. I was never contacted by FNBO about this account having any balance that was due at all, as I paid the account in full in XX/XX/XXXX. I received nothing from FNBO. Not an email. Not a call. Not a text. Not a letter. Nothing. There was absolutely no communication from them regarding this balance being owed. This balance is not a charge made by me, it's a charge put on the account by FNBO and was never communicated to me by FNBO. This has completely destroyed my life and is going to lead to me ending up homeless because FNBO failed to communicated.

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 2023-12-22 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: NC

Complaint narrative:
I am the consumer, XXXX XXXX. XXXX XXXX has failed to procure MY written permission for XXXX XXXX to report anything on my credit. XXXX XXXX and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
close account of prepaid card XXXX XXXX over limit request of me customer with Providian bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
TD auto finance has been charging me a return fee of {$30.00} every month. They failed to tell me that my bank account had to be a personal account in order for it to be used as a form of payment. I have been using my business checking account which has my name on it as well. The charges get returned, then they charge me {$30.00} for returned payment when in fact I have enough to pay off the loan multiple times over. Then on top of that, they charge me a late fee because the payment didnt go through due to them withholding crucial information regarding the type of account that needs to be used to make the payment from. I called customer service at XXXX on XX/XX/2023 and representative told me that thats why you have those fees. You should use a personal account I asked how was I to know. She started saying well I mean *** you can see on all those dates when I paid, there was sufficient amount in the account. The payment was also processed and posted to the account in XXXX. So it seems to me that they are intentionally not taking the money and claiming that payment is being returned so they charge the fees. 
***** See attached photos. 

I have been charged hundreds in unjust late fees and return fees. Any help is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I have Hard inquiries that were made on to my credit report that I did do not recognize or did not authorize!

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have Hard inquiries that were made on to my credit report that I did do not recognize or did not authorize!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
CFPB and LVNV Funding has closed this investigation as a duplicate debt, however the Collection agency continues to avoid submitting documentation that proves this debt is owned by LVNV Funding and has a right to collect or place derogatory information on my credit report. I am requesting AGAIN all documentation from ORIGINAL creditor. In addition, PROOF of ownership such as BILL OF SALE that gives LVNV Funding the right to request any amount of payment from me when the debt they purchased was made in a bulk sale to the creditor. It does not include me and I do not owe LVNV Funding or its subsidiaries any money as a result of this debt. 

If I do not receive the BILL of SALE or FINAL proof this debt is validated as a debt I owe I will sue both LVNV Funding and its subsidiaries in the amount of {$1000.00} in compensatory damages for every complaint submitted to CFPB, and include {$50000.00} in punitive damages. I will add CFPB as a co-defendant for allowing this collection agency to continue to report information on my credit report in violation of its own policy. The credit has failed to obtain the original documents and has relied on copies of documents that may be altered, insufficient, and do not complete for the purposes of validating and verifying if the debt is known or unknown to the debtor and the creditor for that matter. The creditor does not have enough information to identify if the debt is valid. 

Finally, I am requesting under section XXXX - Proof of record retention. All documents retained as of last activity ( XX/XX/2023 ). Documentation of collection activities made by the creditor. Copies of documents provided to the consumer as evidence that the debt collector provided the information required by section XXXX and XXXX. Communication of collections and communications that you were in good faith attempting to collect the debt in recent months ( after last investigation ) instead of placing the derogatory information on my credit report without providing proof of debt and collection efforts creating dormant or ghost debt. 

They are also reporting a balance on a debt that I do not owe. I want proof that I owe LVNV Funding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY ( U.S. Bankruptcy Court ) : # XXXX, DEPTEDXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
My account was frozen for collection. I also have a wage garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX broke a 1 year contract with a price guarantee 3 months before the end of contract. The contract ended XX/XX/2023. During that time they had a ransom ware attack that lasted a number of weeks. I repeatedly tried to cancel my service. Telephone and online service was nonexistent. They continued to bill my credit card. Finally after weeks of trying to contact them I told the representative I wanted to cancel my subscription. They give me a credit and that everything was taken care of. Now 8 months later they sent me a bill for {$72.00}. I called XXXX and that turned into a heated argument with a service rep that has no clue.

Company response to consumer: Closed with explanation