vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
XX/XX/2023 {$5900.00} I was traveling in XXXX at this time and someone stole my wallet and my phone. 
I reported to the police and they called me in that they found my phone. Then I checked my phone and realized that they used my card and my phone to make a purchase via XXXX XXXX 
I called the Discover bank to let them know what happened and they started investigating On XX/XX/2023 I called in to check the status regarding the fraud that occurred amd they told me that it was denied. 
I told them that I didn't have the phone with me when the purchase were made with my phone. 
And they started re investigating. 
On XX/XX/2023 I called again for an update and thay explained that the dispute was denied due to the purchase being via XXXX XXXX and the Discover app was opened. 
I again explained that that is not possible because I didn't have it with me when it happened. But they said that they only do 2 investigation and once it's denied it can not be opened again unless there's any supported documents. 
On XX/XX/2023 I sent the police report that I filed which in XXXX with the translation. 
However not surevif the claim will be reopened so I wanted to do anything to solve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
From XXXX to XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX  on my hand. I never reciev a bill even though I requested an itemized bill several times. They failed to properly file with my insurance company. XXXX XXXX i recieved a collection ntice for {$2000.00}. I called the hospital and was told it is now too late to file correctly on the insurance. Once again I requested an itemized bill - they emailed me an " itemized bill '' which is incomplete list of all visits I made and payments I have made at time of services. I have been out of work since XX/XX/2023 and currently have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: SC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. Thanks

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 2023-06-05 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: MN

Complaint narrative:
On XX/XX/XXXX I made a purchase for the amount of {$550.00} at a merchant where Venmo is an accepted payment method. I made the purchase using the Venmo app using my Venmo balance as the payment method. I had a balance of {$590.00} in my Venmo account at the time. 

Rather than using my Venmo balance, Venmo instead charged the full amount to my bank account without authorization. My Venmo balance remains at {$590.00}, but they will not reverse the charge to my bank account and apply the Venmo balance instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-05 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: MN

Complaint narrative:
The XXXX XXXX XXXX agency was not given authorization or permission to release this information to my credit report. Also, it violates consumer law and is grounds for a lawsuit, in violation with Federal consumer laws and also the most recent supreme case laws. Only credit transactions and loans are reported to the credit report, with the permission of the consumer. I HAVE NOT given permission or signed any contract. I have NOT received any contract of my consent or validation or proof of debt with my permission. Other credit report agencies have removed this item in compliance with the federal laws. Not removing this item is grounds for lawsuit, in that, injuries have been accrued on my end. XXXXXXXX XXXX XXXX, as also solicited my social security number from the other participant, with the intent of collecting money not only for him, but also for themselves, which is Aggravated Identity Theft. Department of Child Support services, receives 66 % of every dollar they collect, and to ask for my SSN without my permission, also violates the federal laws and is fraud and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a Macy 's XXXX credit card, which I've had for a number of years. I recently went into a store to make a purchase. The sales rep informed me that I was qualified for an " upgrade '' to my Macy 's account and that I'd save an additional 20 % discount on my purchase for upgrading. I asked if there where any fees or anything else that I should be aware of and she said, " No. '' She said that I needed to verify and update some of my personal information, which I did. I then electronically signed what I thought was my purchase receipt. The sales rep put all of the printed receipts in the bag with my purchase. When I got home my wife looked at what I'd purchased and the receipts and asked why I got an XXXX XXXX Credit Card. I was shocked to learn that my " upgrade '' was actually a fraudulent application that involved a credit check. My credit score has been negatively impacted as a result and if I close the account it will be further damaged. I'm not even sure if the injury that I've suffered can be remedied.

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 2023-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: PA

Complaint narrative:
This is the 4th or 5th time Ive written regarding this. Today - XX/XX/ I received a letter in the mail from this debt collection agency for XXXX XXXX. I have repeatedly said to stop sending mail & all other forms of communication to me. You continually ignore my wishes. Consider this notice pre litigation. If you contact me or my wife again you will be before a judge & I will win. Ive had enough. DO NOT CONTACT ME OR MY WIFE AGAIN!!!!! 

Dont give me the nonsense about being obligated to send me mail. My son works in XXXX XXXX. You do NOT need send a notice when youve been told not to. These debts will never be paid. This is criminal harassment at this point. PA crimes code 18.2709. Ill file both a civil suit & a criminal suit if I receive more communication from this agency. And before you think this is an empt threat I am a XXXX XXXX XXXX. I will 100 % seek legal actions. 

Further dont call it a validation notice. Ive NEVER once requested validation of a debt. The only communication Ive had with your agency is the communication telling you to stop harassing me. 

Its not hard. STOP CONTACTING 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 2023-06-05 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: Avant Holding Company, Inc.
State: CO

Complaint narrative:
I have 2 issues going on. I have been a victim of identity theft. I have filed FTC report and the 2 Companies will not remove these 1. XXXX XXXX I sent credit places the police report and FTC report on file 2. Avant Bank was opened fraudulent and was open without my permission. A FTC report was filed as Well I have alerts now on all 3 credit reports and I want this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Great day i am unaware of this debit, It doesn't belong to me. 
I never received any knowledge or info on this collection. If you believe i have received it please send certified receipt. Thanks

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I did a review of my recent credit report my student loan service XXXX is the absolute worse. I noticed and read they have my XXXX loans in various different amounts as open on all three on my credit reports. My XXXX loans were under XXXX XXXX which I was awarded public service loan forgiveness due to the required payments I had 4 loans forgiven Loan Sequence as follows s # XXXX {$1400.00} forgiven # XXXX {$2700.00} forgiven # XXXX {$2100.00} forgiven # XXXX {$3300.00} Only my graduate loans should be listed not the old ones. 
My account # 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 2023-06-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Since XX/XX/2023, I haven't been able to access an updated copy of my Experian credit file and/or credit score. When I attempt to access my file I continually get an error message saying I don't have a credit file. I subscribe to Experian 's monitoring service ( {$25.00} monthly ) and my credit card continues to get billed each month despite my not being able to access my file. I am due a refund of four months worth of monthly fees. I've submitted three different assistance requests to their online support and they don't respond or address the problem.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Payfare International Inc.
State: CO

Complaint narrative:
I've been working for XXXX for a little while now, and recently signed up for and received a XXXX XXXX debit card through PayfareXXXX bank. During the time between signing up and having the card delivered, you are allowed to use a virtual card to make payments. I had used that virtual card information to make a transfer in XXXX before I had hands on the physical card. That information remained in XXXX, and I mistakenly used it to try to transfer money to a friend ( {$10.00} on XXXX ). XXXX did not give me any indication as to why the card was not working, but I received an e-mail from XXXX XXXX shortly thereafter explaining that my account had been suspended for XXXX hours. That e-mail came in at just about XXXX on the same day ( XXXX ). 

I did not use the card after that, and I was unable to update the information in XXXX because it was suspended. I initially reached out to XXXX XXXX support and was told that there was nothing I could do about it. They did not seem to understand my situation or know why my card was suspended until I told them my suspicions and they decided to " escalate '' my case. This apparently takes 1-2 business days because XXXX XXXX support ( a separate support team for the card specifically ) is rarely available. I know because I called them within the hours listed and was told they can't be bothered by the same, regular, XXXX XXXX support team. I also explored the numerous testimonials of other XXXX on the internet experiencing the same problem. It's not like the company can pretend they are unaware of this issue. 

My card was not reactivated after the 24 hours, and I had to wait until this morning to receive a call from XXXX XXXX  informing me that they had reactivated my card ( should have taken 2 seconds in the first place, and clearly did here ) .I became frustrated with the wanton lack of regard for the issues I was discussing, including the initial suspension, the lack of knowledge on my case, being shunted off multiple times to people who could not help, and finally being told that I should just be happy the card was reactivated now. This is my only source of income and I am sheltered-homeless right now. I don't have the luxury of waiting around for days to access the money that I EARNED since I use it daily for gas, food, and other expenses. I don't appreciate the fact that the representative for XXXX XXXX would not hear me out, would not answer my questions, would not let me speak to a supervisor ( because they " would say the same thing '' ), and then hung up on me intentionally. 

This has impacted me, and maybe not to an extreme, but it is not okay. I expect to hear back from someone who is competent and actually involved in the company they claim to work for. I am a damn good XXXX and I know I'm not the only one getting jerked around like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Robinson Economic Development Corporation
State: FL

Complaint narrative:
I have received calls from this number since Thursday. They call everyday they dont leave messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 presume that no proof of the alleged debt being reported to credit bureaus nor therefore any such debt, in fact therefore exists Pursuant to 18 USC 8, PROOF and Lawfully that l owe no debt, this company is violating my consumer right to PRIVACY pursuant to 15 USC 1681 b ( 2 ) company has also No permission or lawful rights to report anything using my info pursuant to 15 USC 1681 ( 4 ) which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and there is XXXX XXXX XXXX XXXX XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation