vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

Anyone paying for your reporting services could fax, mail or email in a fraudulent account, or add an account fraudulently using the E-Oscar system. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To date, Transunion has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 

Moreover, two accounts have conflicting Remarks ( Paid in Full/Sold ), which I have included in screen shots. 

Finally, any and all inquiries that are prior to XX/XX/2021 must be deleted as they are outdated ; I count XXXX of them.

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 2023-01-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a trip through the XXXX XXXX XXXX for the new years. The trip was purchased using my chase credit card, I chose a flight to XXXX XXXX, XXXX XXXX with XXXX XXXX on XXXX. The trip included a hotel stay and rental car for {$3600.00}. I was told by XXXX XXXX 4 weeks later that my return flight would be changed XXXX miles out of my way. I told them this was unacceptable and they could cancel my trip. I also contacted XXXX travel and told them that my flight had been switched and would not accept that flight or trip. Ths is an example of bait and switch when you offer a consumer a product ( flight and trip ) to your satisfaction but they change plans later. I notified my credit card company chase and disputed charges 3 weeks before the departure date. They responded 6 weeks later and said charges were valid because I did not cancel my flight to their guidelines. I was charged {$3600.00} for a trip that I didnt not accept or take.. i notified all parties 3 weeks before the trip departed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I sent a debt validation notice to Resurgent capital Received on XX/XX/2023 and they just sent me statements which is a violation of the FDCPA 15 usc 1692e is false and misleading to a consumer that I have to pay them. Resurgent need to provide copy of debt license to collect in my state Please see attached letter of information that need to provide to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It started on XX/XX/2023 when I received an email from Bank of America saying my card application has been received. However I never applied for any card. I called the company and talked to the fraud department and told them the situation and told them to reject the application. However two days later I received another email saying my application had been approved. I called all the three credit bureaus and put a fraud alert on my name. Despite of all this I received the package from XXXX XXXX XXXX  in the mail with the new credit card on XX/XX/2023. My plan is to stop by a branch to try to get some more information before I destroy this card but since I don't know the outcome I would like this complaint to be documented. Thank you for all your 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 2023-01-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a follow up to my previous complaint XXXX. 

1. The XXXX credit report indicates that my account is XXXX XXXX XXXX. 
The letter from Chase dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' 2. An automatic payment was not received by Chase because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to JPMOrgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For a little over a year now, we have been actively challenging the credit bureaus to investigate inaccurate information listed in my credit report. We have asked for methods of verification, proof of signed documents that ties me to the Public record in question as well as the negative accounts associated with the public record. Transunion has always sent the same response that the public record is reporting accurately. Well, this is false. My records show that the public record was last updated on XX/XX/2019. Transunion, you have stated for months that the public record/bankruptcy was last updated on XX/XX/2019. This is inaccurate and the proof will be attached. Asking for immediate removal of this public record as it is not reporting accurately as it should be. If you have the original information in hand then you would know when the case last updated. But you dont, therefore, its inaccurate. 

Also, TransUnion you were sent a copy of my drivers licenses and a utility bill for purposes of identification. You have continue to send the updated credit reports with the name XXXX XXXX. Who is XXXX XXXX? I feel that I am a victim of a merged or mixed file and I DEMAND immediate removal of the public record and the negative accounts listed on my credit report as they are unverified. Based on YOUR credit reports, you are telling me that those accounts and the public record belong to XXXX XXXX and not XXXX XXXX XXXX. 

I have been denied credit, housing and have been humiliated because of you. When someone pulls my Transunion reports they see a totally different person than the actual person applying. Therefore, they have denied me for credit, housing, etc because of the mixed or merged file you are falsely showing. 

I have kept all correspondence, credit disputes in a file and am prepared to show a judge and a jury this egregious mistake you have made. I will not be able to move forward in life until this mistake is fixed. 

I demand the following : 1. Immediate deletion of the public record ( XXXX XXXX XXXXXXXX XXXX # XXXX 2. Immediate deletion of XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, and the removal of the merged or mixed file containing XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. 
XXXX. {$1000.00} per FCRA violation listed above. 

Failure to remedy the above will force my hands to seek legal action against your company. 

Thank you 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
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using Paypal to receive payments for my online business. On XX/XX/2022 I receive payment from my online business but paypal hold my first payment. I then got a notice that Paypal is requesting for my verification details. I glady provided the files and all was fine until on the same day I get notified that my account has been permanently limited ( Ref ID - XXXX ). I immediately contacted the executive office and was told that one of the accounts I used to make payments and they linked to me had a limitation hence why I was also banned. I feel this was not fair on my part as I can not have controlled over how other people use their Paypal account. I really want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I contacted the original company that held my account ( XXXX XXXX ) who established a call with CCS Collections and told them directly that my account was resolved and that there was no longer a balance. CCS Collections failed to remove the collection from my credit report. After XXXX  days I began calling CCS Collections daily to try to get the balance statement to them to remove the collection from my credit report. I have not been able to get through to them at all. I have sat on hold in excess of an hour on multiple occasions. The credit report does not display my account number so I can not establish a login for CCS. I disputed the account through XXXX and XXXX with no resolution because CCS maintains the information is reported correctly. I contacted XXXX XXXX again, and was told that they have no control over CCS Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ill start with saying I bank with Chase. I received 2 checks from someone who said they would lend me some money. I tried to deposit them unknowingly they were fake checks. They were trying to scam me saying I need to send them money after I tried to deposit them. I closed my account. I had XXXX in my bank account on the XXXX. They said it would be sent to collections. I planned to pay it off when I got my check from work. I had made a new account on the same day through their mobile app. Everything was good and on the XXXX I tried logging into my account and it said there was suspicious activity, and to call them, so I did. They then said that I would never be able to bank with them again. I asked for a reason why and they said they couldnt tell me and just to know that they have the right to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account 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 an account without my written instructions.

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.

The information is not accurate and I would like for it to be removed from my report, immediately. 

I have attached supporting documents. Please review.

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 2023-01-29 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: Block, Inc.
State: DE

Complaint narrative:
I made a purchased on XXXX marketplace last month. I paid for the item and the seller never shipped the item contacted cash app and did a complaint and they never refunded me so I gave away more than {$100.00} to a person that never shipped out an item. Cash app refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments

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 2023-01-29 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: AZ

Complaint narrative:
I have contacted XXXXXXXX XXXX about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. 

If this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. 
( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

How could you guys be so careless when reporting this information about me this really hurt me and my business.

Show me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.

And please have integrity about this account.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

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 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow up to my previous complaint XXXX. 

XXXX. The Transunion credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to 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 2023-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow up to my previous complaint XXXX. 

XXXX. The XXXX credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXXXXXX XXXX  error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow up to my previous complaint XXXX. 

XXXX. The XXXX credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX XXXX error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to 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 2023-01-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 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 explanation