vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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. 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 explanation
Consumer complaint received 2023-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I wrote the credit bureaus to request that they delete the incorrect personal information from my credit reports and replace it with the correct information. I included my identification to prove my name and address. All of the other addresses do not belong to me or they were previous business addresses that did not belong to me. I have no authorization to receive mail at those locations.

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 2023-06-20 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: AR

Complaint narrative:
I wrote the credit bureaus to request that they delete the incorrect personal information from my credit reports and replace it with the correct information. I included my identification to prove my name and address. All of the other addresses do not belong to me or they were previous business addresses that did not belong to me. I have no authorization to receive mail at those locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Experian is reporting an unauthorized inquired dated XX/XX/2023 from XXXX  XXXX XXXX. I did not consent nor authorize this inquiry. I contacted Experian to no avail and I also contacted XXXX  XXXX XXXX directly with no help either. I filed an identity theft report which I will enclose with this complaint. This inquiry shall be removed immediately or Experian will be in willful violation of the FCRA.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Ive attempted to rectify a digital transaction and Regions has, lied, delayed, and misinformed me about information i need to submit to support a claim

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 2023-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. I told all bureaus this many times and it 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 of the person knows or has reasonable cause to believe that the information is inaccurate. I asked many times for someone to help assist and they are saying that a credit clinic is sending in docs because it's tooooooo professional! Im highly upset because its only on this bureau I need this blocked and removed!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # milestone credit card account number # XXXX has violated My rights 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have been getting harassed by Credence, and when I answer and tell them to stop calling, they hangup. They call me at least 1x daily since XX/XX/2023 from different numbers, but my caller ID shows up the number as " Credence ''. This is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
dates : since i got the car in 2019. 
My payments and validation of debt is incorrect. the contract is not a contract it is a retail installment loan and there was a finance charge and the downpayment was not supposed to be charged as I did not get any cash value for the alleged contract. My car is a lemon, its been in and out of shop. the car was paid off and a couple times and the company is engaging in mail fraud, securities fraud, trust fraud and are over charging me for this car as my social security number provides the payment for the agreement with my signature and my dad 's as he was a co signer. I need a full accounting ledger on and off ledger. I need my car refund, and a replacement car as this is a a faulty good. they charged me for insurance, and the dealer rental cars and this car has caused me harm because it is not reliable. and their is something wrong with this one it has caused me to lose over XXXX in loss of income because the car is a lemon. I asked them to adjust the account, credit ] me back and apply all overages owed to me returned in form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Today is XX/XX/2023. I have been trying for over a year to get TransUnion to fix their website so that I can see my Credit Freeze Status, and they have only been able to provide an acknowledgement that the system is, in fact, broken while also only providing false promises that it will be fixed. The usual commitment is 2-5 business days. So far, it is still not fixed after close to two years. 

After countless phone calls, transferred calls, and online chats, their system is still broken and they refuse to help me. I should be able go online and see my Credit Freeze Status, but I have to call and wait, most of the time for up to an hour, just to talk with someone. Once I get someone on the phone, I am able to get my freeze status after about 15 mins of verification activity, but my account is still broken after each call. 

In every call I ask for help with my online account, but I am only transferred around until someone finally makes a false promise that never comes to pass. 

They don't have anyone in Web Services Support to help. They provide a number to call, but again, there is no one to help me. They don't even have an email address that I can use to lodge my complaint and ask for help. 

I have had four different TU tech support people tell me that they see an error code ( 320 ) which is blocking my account from showing the correct information. So far, even though I have been transferred multiple times, I can never get to the people that can actually clear the code.

Since TransUnion is one of the three credit agencies that I MUST use, I believe that they should be required to fix THEIR issues. If I had a choice, I WOULD NOT USE TransUnion, but as we all know, I don't have a choice. None of us do. 

Details : When I click on the icon on their website landing page titled " Credit Freeze '' I am directed to an error page that states : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX. and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. Eastern Time. '' The chat or call recommendation has been used many, many times, but still no resolution for a TU known issue.

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 2023-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB Management Services failed to comply with an agreement to remove Account XXXX from all credit bureaus. This is still reporting as a derogatory remark which is affecting my financial health considerably. The original creditor was XXXX XXXX XXXX. The account was settled over 2 years ago on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear XXXX I am writing to reopen my case regarding the complaint against PayPal, which was closed after their response. I appreciate your assistance in addressing this matter once again. Please find below a detailed description of what happened, including relevant dates, amounts, and actions taken : Description : PayPal permanently limited my account without any explanation and has been holding my funds for 180 days. This limitation and withholding of funds have caused significant inconvenience and financial distress. I am seeking a resolution to this issue. 

Actions Taken : On XX/XX/XXXX, my PayPal account was permanently limited without any prior warning or explanation. 
I have attempted to contact PayPal 's message center for assistance, but they have been unhelpful and failed to address my concerns. 
PayPal representatives repeatedly stated that I could not withdraw my funds to safeguard against potential chargebacks from buyers. However, I have never sold anything using PayPal, and all my funds come from personal transactions with friends and family. 
I also kindly ask paypal to tell exactly what tos/aup/ rules i broke to get my account perm limited in the first place. 
I have received money exclusively through PayPal 's Friends and Family feature, as well as from my PayPal account balance. There is no possibility of anyone initiating chargebacks for these transactions. 
Request : I kindly request that XXXX  redirect this complaint to the appropriate department that can address international cases, as I understand this falls outside the jurisdiction of PayPal 's United States offices. 
I also request the forwarding of the original complaint reference/message number for proper tracking and documentation. 
Please emphasize the urgency of this matter and the need for a satisfactory resolution that includes the withdrawal of my funds without any further delay. 
I deeply appreciate your assistance in reopening this case and ensuring that PayPal addresses my concerns properly. I believe that with your involvement, a fair resolution can be reached, and I can regain access to my funds. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
AS OF XXXX XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} {$190.00} No. of Months ( terms ) : - - - High Credit : {$190.00} {$190.00} {$190.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Union Bank defrauded me of {$30.00}, XXXX from XX/XX/XXXX until XX/XX/XXXX. They allowed access to my account for someone, likely a bank employee to pay an XXXX XXXX account that was not mine by ACH transfer. I also have an XXXX account so I had duplicate amount debited in my checking account. 
XXXX reversed some of the fraudulent transfers but not all. On XX/XX/XXXX, Union Bank became US Bank and US Bank reopened the investigation. But this institution like the previous Union Bank is hiding behind a 60 rule where they say banking regulations do no require that they reimburse more than 60 days of fraudulent transfers. 
XXXX says it will reverse amounts if asked? 
I have filed a police report, an FBI report, have an attorney looking into the case and have filed an elder abuse complaint with the County of XXXX XXXX. 
I have been refunded appr XXXX and still have been defrauded XXXX. 
Can you please help? 
Thank you

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-20 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:
This is my complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CO

Complaint narrative:
I filed a dispute with Chime fon XX/XX/23 regarding charges made with my Chime checking account debit card. Chimes website states that if the dispute isnt resolved within 10 business days that temporary credit can be issued to my account for the disputed amount per XXXX  XXXX The dispute has not been resolved at this time, in fact I spoke with the merchant who stated that he " never responds to disputes they are a waste of his time '' .when I contact chime requesting a temporary credit I am told that I am ineligible however they can not tell me why only transfer me to 3 or 4 new CSR reps who all can not tell me why they can not issue temporary credit. These are charges I used my debit card for and are either point of sale charges or online debit card transactions. I would like the temporary credit my account is eligible for.

Company response to consumer: Closed with explanation