vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
M & T Bank has refused to close my M & T Tailored Business Checking despite multiple attempts. Per their website ( attached ), " non-interest bearing business accounts with a XXXX balance can be closed by calling the M & T Contact Center at XXXX, or by submitting a request through Online Banking. '' On XX/XX/23, I called the M & T Contact Center at XXXX to close my M & T Tailored Business Checking that has a {$0.00} balance. I was told by both a CSR and supervisor that they could not close business accounts via phone, and I would have to close in a branch or by mailing a letter to my local branch since I am out of town. 

On XX/XX/23, I also sent a secure message through Online Banking attempting to close my account, but was told " you spoke with an Telephone Banking Center representative about your concerns '' and was referred back to the M & T Telephone Banking Center. 

On XX/XX/23, I mailed a letter asking to close my account to the local branch the M & T Contact Center told me to send it to. 

On XX/XX/23, I called the local branch to confirm my account was closed and they told me they were unable to close the account from a letter and I would have to come into the branch to close it and there was nothing they could do while I'm unable to visit a branch.

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 2023-08-02 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: DE

Complaint narrative:
My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at core logic ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, XXXX, trans union.

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 2023-08-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at XXXX XXXX ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, Equifax, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
Without any notice I got a credit alert stating a major derogatory mark was added to my credit report. It was from a collection company based in Illinois AFNI, I contacted the company and they stated I was contacted by them via email. I quickly searched my email there was nothing from this company. I requested they forward the original email which they refused. The collection was a fraudulent debt from XXXX XXXX, I disputed the debt during the call and they refused to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/2023 my account was closed by XXXXThe Bancorp Bank due to suspected fraud. They are saying that my account was marked as suspicious and thereby closed because of cash deposits I did at XXXX through a service they offer. All of my cash deposits were from the tips I receive from my job as a server that I get in cash at the end of the working night. The amount of cash that I have deposited is less than the total amount of cash I have claimed on my paystub and they still refuse to refund my money. They have also taken all of the money that I received from my birthday as well as money that I received from payroll from said company. 

I reached out to chime on the same day, XX/XX/2023 with everything they asked and they have said that my account was not in compliance and that my money can't be refunded. In my opinion I have more than ample proof of every deposit I made including checks and feel that they are making a huge mistake withholding money from a very broke XXXX  that can't even afford to pay their bills at this point. 

As far as amounts, I deposited {$500.00} in cash on XX/XX/2023, {$320.00} on XX/XX/2023, as well as an {$80.00} check from my father for my birthday on XX/XX/2023. The amount that is reflected in my most recent paystub for cash tips is {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I informed USAA via email, fax ( XXXX ) XXXX and 1st Class Mail on, XX/XX/2023 this is my official notice that I cancelled my USAA checking account with your USAA Federal Savings bank, effective immediately before XX/XX/2023. 

I also changed my Direct Deposit from the Veterans Administration portal from USAA to another financial institution prior to receiving my VA Compensation deposit on XX/XX/2023. 

USAA is in direct violation of the Automatic Stay pursuant to : Bankruptcy protection XXXX XXXX XXXX XXXX. : XXXX filed XX/XX/2023 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
harley has called 13 times since XX/XX/2023. They asked to stop i was told they are with in the law and will keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this decision was made in error and would like to provide the following key points for your consideration : Mistaken Limitation : I firmly believe that the limitation on my account is a result of a misunderstanding or an unintended mistake. I have always used my PayPal account responsibly and have never engaged in any activities that would violate PayPal 's policies. Compliance with Policies : Throughout my usage of PayPal, I hav
e been diligent in adhering to all terms and conditions outlined in PayPal 's User Agreement and Acceptable Use Policy. I take great care to ensure that all my transactions are legitimate and in full compliance with the platform 's guidelines. 

Request for Re-investigation : I kindly request PayPal to re-investigate my account and thoroughly review the circumstances surrounding the limitation. I am confident that a closer examination will reveal that there have been no policy violations on my part. 

Account Restoration : If the re-investigation confirms that the limitation was indeed placed in error, I kindly ask that you reinstate my account at the earliest convenience. My PayPal account is essential for my day-to-day financial transactions, and its suspension has caused significant inconvenience. 

In conclusion, I sincerely believe that my account was mistakenly and unjustly limited. I trust in PayPal 's commitment to fairness and transparency and hope that you will reevaluate my case promptly. 

Thank you for your attention to this matter. I look forward to a resolution that allows me to continue using PayPal 's services without interruption. If any additional information is required from my end, please do not hesitate to contact me at the provided email address. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX a federally protected Consumer and Iam making this complaint against I.C. System  for committing identity theft. I have never given I.C.System any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignment of the defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC subsection 1692 e ( 12 ). I have not validated any alleged debt with I.C.System of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving I.C.System any right to collect on this alleged debt. I have never received a documentation requesting validation from I.C.System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt on my Consumer report, including not limited to 15 USC 1692 d ( 4 ). Which the FTC defines as debt parking. If I.C. System can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the Consumer, prior to furnishing it on my Consumer Report, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my Financial Reputation. 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 explanation
Consumer complaint received 2023-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was alerted by Capital One that my Venture Credit Card was compromise on XX/XX/XXXX and I was instructed to report the fraudulent charges made to Amway one for {$770.00} and other for {$76.00}. In doing so my card was deactivated and a new one was to be mailed to me. 

On Monday XX/XX/XXXX, In noticing that the charge for {$76.00} was holding a pending status, I was told not to worry about it, that this charge will also be delete from the account in 3 days and, to call again then if the issue was not resolved by that time. 

On Wednesday XXXX, The pending charge went from pending to a definite in my account. I was told by the fraud department supervisor that they are still investigating this fraudulent charge and that could take up to 90 days for a resolution on that matter. 

Capital One one knew that these were fraudulent charges and they alert me about it. I reported the charges and they deactivated my credit card and issue me a new one. In addition, they remove the {$770.00} charge but kept the {$76.00} as pending charge on the account. 

In my conversations with Capital One I'm getting different answers to this issue. 

Taking into consideration that both charges are made to the same company and to the same time, only one was removed. Capital One says that they are still investigating the charge but they already posted the {$76.00} as valid to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-08-02 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: WI

Complaint narrative:
On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Today, XX/XX/XXXX, a new company in XXXX Texas called me about an old debt from XXXX which I have disputed many times and waited for it to be deleted from my credit report. 
The collection account was deleted from the credit report per the fair reporting standards and have been off the credit report for almost a year. 

Now that I am currently seeking to purchase a home and in conversations with lenders and getting praised for demonstrating good progress with my credit worthy, someone ( who is invading my privacy ) is deliberately trying to defame my character and sabotage the current praise and opportunity by bringing up old debt that was disputed and expired from my credit report. Someone has even went so far as to target me by searching for the old debt to purposely transfer it to a new company who would pursue and/or recreate the account to restart the derogatory reporting to the credit bureaus after previous debt collector removed it. This is all to directly sabotage or threaten me during my attempt to purchase a home. 

When speaking with their representative she explained that they were a new company assigned to the debt in XX/XX/XXXX and that they have not been in contact with me because they just got the account and finished the waiting period. She also threaten us by saying that they do have the right to restart the process of reporting it again to the credit bureau and that it was not called re-aging. 

I begin questioning why they have all of a sudden contacted me now after having the debt for over 5 months and the debt was over 6 yrs old. I explained that we have disputted this account with the previous debt collection companies and with the hospital and ask not to be contacted about this inaccurate bill that no one could verify or justify in the hospital when disputing the bill. I believe that this may be one of the reasons why the debt was deleted because they could not verify or justify the bill.

So in other words, they are manipulating the law to find a different way by selling debt that has been previously disputed and dropped from a credit report - all to restart a process- to target or harass a person they want to sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-02 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: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief