vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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: Block, Inc.
State: IL

Complaint narrative:
Cash app, my purchase was paid for XX/XX/2023 and cash app took {$100.00} from my account today XX/XX/2023 saying it was a glitch in XXXX. I was never informed, my merchant states I paid, cash app transactions showed it paid, now they are saying 60+ days later it is correct now! I think they have stole my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
They are scamming my account. I tried to pay off the account twice and reversed the payments. Then hit me with several late payments and fraud my account. Ive used the same account for the past two years to make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27 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: MoneyLion Inc.
State: HI

Complaint narrative:
I attached payments from my bank account they took out 3 payments in XXXX. How did I get reported 30 days with 3 payments missing out my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Washington Collectors Tri Cities Inc
State: WA

Complaint narrative:
My late husband 's car was impounded by XXXX XXXX XXXX XXXX. They sent us the bill and we sent them the check with full amount of XXXX. 

One year later XXXX we got another letter from Washington Collectors Tri-Cities. We called them and told them we already paid and we did not owe any money. They asked us to send them the copy of the check and the dispute letter. So we faxed them. We thought the case was settled. 

But XXXX the collection company sent us a collection letter again. So I called them and they said contacted XXXX XXXX and they said it was not the full amount. And now the original amount is XXXX. We never received the letter that the amount was XXXX. It was XXXX. They must have added the interest. So I explained the situation to a person in charge. She said she will bring up the case in the meeting next morning. We assumed that it was settled. 

My husband had a XXXX XXXX XXXX and we were under a lot of stress. And I did not responded when they sent us another collection letter we got XXXX he passed away XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
Both Transunion and the collection agency XXXX  are in violation of the FCRA and FDCPA. The company has not responded to my letter yet alone send the forward flow agreement for the account. Transunion replied to complaint XXXX stating the account was updated when I requested a deletion due to FCRA and FDCPA violations. I need to see where you're getting this information from because I don't believe that you ever reached out to the creditor. Remove this account immediately : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX. See attached the letter that was sent to the collection agency which is dated and time stamped. If you can not provide validation of this account since the company has failed to do so remove this account or I will seek legal action.

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 2023-05-27 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: CA

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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX 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 suppose to modify accounts that isn'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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-27 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: MN

Complaint narrative:
XX/XX/XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-05-27 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:
XXXX XXXX XXXX. Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Capital One for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Capital One detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Capital One rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer rights and privacy. 

I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Capital One is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that [ Credit Card Company Name ] fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 
Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Capital One and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Over the last two days, I've tried to send money via XXXX for the first time. I entered the person receiving it without a problem. There was first an issue with the amount I was sending but I received an automated message telling me I couldn't send more than {$1000.00} so I at least could adjust to that. I tried to send {$1000.00}. I received a code via text but couldn't enter it in the required box -- every time I tried, the screen flashed. The first customer service person told me it was a browser problem and asked that I try another browser. I tried two more browsers with the same result. The second customer service person gave up, but said there now appeared to be a fraud alert on my account that hadn't been there before. So I was changed to the fraud group. After many questions an explanations -- one of which was why I was trying to sign on from different browsers so close together in time -- the fraud alert was cancelled and I was assured that everything in my account was going through and would not be held up. Then I went to tech support and after several unsuccessful interventions, we appeared to get XXXX working. I went back to customer service and they confirmed nothing would be held up and that the {$1000.00} had been sent and that I could send another {$1000.00} today. The transaction posted this morning. The recipient didn't get the money. I went on again today and found the transaction had been deleted and eventually found a note that it had been cancelled. I tried to send another {$1000.00} again. The system failed again and I was back with customer service. I'm told the limit is not {$1000.00} but {$990.00} and I should try that. I did, and it might have gone through, but the message says it is pending. That happened yesterday as well but customer service said it wouldn't be an issue since the fraud alert had been lifted. I asked why I should believe anythng any one from Wells Fargo says and asked that a human being call me if the latest transfer was cancelled. That was seen as unreasonable, first by the person I talked to and then by his supervisor. She said I couldn't hold them accountable for the answers they give me. Out of all of these events XXXX me off, that was the silliest and least professional. I still don't know if the system is working, And while the individuals I'm talking to are frustrated -- certainly with me and perhaps with Wells Fargo as well -- no one will take responsibility as an organization.

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 2023-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company calls from multiple numbers, multiple times a day. Today XXXX from XXXX 3 times, XXXX once, yesterday from XXXX and XXXX yesterday and the XXXX. I have multiple other dates of multiple calls per day exceeding 7 calls in 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX i made claims with XXXX to investigate this matter and as of XX/XX/XXXX it is still under investigation. on the same day in XXXX I also reached out via Email to Pro-collect ( stating the same things as the below letter ) and did not hear back so on XX/XX/XXXX I then wrote a letter to Pro-collect asking them to verify the debt they claimed that I owed by asking for. How the amount was calculated, Copy 's of where i agreed to pay the amount owed, a copy of the Judgement, and for them to demonstrate that they are licensed in my State and to provide that license number to me. I then only received a document with XXXX line item that stated " Damages for {$810.00} '' so i contacted XXXX via phone call around the beginning of XX/XX/XXXX XXXX instructed me to reach out to pro-collect and have them write in saying they need to disqualify the debt, pro-collect rudely refused to do so and said the debt is verified yet had never heard from them until I reached out.

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 2023-05-27 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: SC

Complaint narrative:
The report has taken over 30 days. I received a stall letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-05-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting that I am 30 days late in XX/XX/2023. I have paid ON TIME for the month of XX/XX/2023. I have called XXXX FOUR times to try to fix and rectify this problem but have been transferred to mulitple departments. I have even requested to speak with a manager when I spoke with the representative XXXX, and was denied the transfer to the manager. If you look at my account history, you will see that I have NEVER been delinquent or 30 days late for any of my payments. Please remove and update that payment for XX/XX/2023 as ON TIME for ( XXXX ). If this is not removed in a timely manner, I will report with the XXXX XXXX XXXX, and have my attorney a filing for a lawsuit.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It's been over 30 days since my dispute, and I received a computer-generated stall letter from the credit company.

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 2023-05-27 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: MS

Complaint narrative:
Transunion, XXXX and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer 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 non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted. 

To this day they continue to report false derogatory information to credit reporting agencies. In the past 6 months theyve opened false accounts under my name and reported false information about them to credit reporting agencies no less than 4 times. Opening them with tags like over credit limit with current account opening/ creation dates. Ive included photos of just this very specific information. 

All this is done just to prevent consumers from obtaining credit and to keep their credit scores low. 

This is illegal and XXXX allows the practice.

Company response to consumer: Closed with explanation