vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I hope this message finds you well. 

My name is XXXX XXXX and I am a full class member of the Sweet v. Cardona settlement. I attended XXXX XXXX XXXX from XXXX to XXXX. My borrower defense application has been approved, and my student loans totaling {$40000.00} have been fully forgiven, as reflected by the {$0.00} balance on both the Mohela website and the Department of Educations website.

Per the Sweet v. Cardona settlement agreement, I am entitled to a full refund of the monies paid to XXXX XXXX XXXX. Section VII, Paragraph 4 of the agreement clearly stipulates that these refund payments can not be applied to any outstanding student loan balances. However, I have yet to receive my refund check. 

Given that the settlement also specifies that refunds should be issued promptly, I would appreciate an update on when I can expect to receive my refund. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX{$380.00} XXXXXX/XX/XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXXXXXX XXXX XXXX XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: VA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
This is pursuant to complaint XXXX which should not have been closed. In that complaint I articulated that on XX/XX/year> I instructed Paypal to transfer {$1500.00} from my Paypal balance to my personal checking account at XXXXXXXX XXXX  That money never arrived and I'm attempting to locate it. 

Yesterday I received a response from a gentleman named XXXX from Paypal. We discussed that Paypal would first attempt to reverse the transfer and was told that might take up to XXXX XXXX. We then discussed what other steps we might take were that to be unsuccessful, including coordinating between Paypal and my bank such that we could all be on the same page without my being caught between XXXX different parties, each insisting it's not their problem. 

I need Paypal to work with me on this and please not close it until we've achieved resolution. Based on my own digging I have learned that Paypal has at times added digits to routing and account numbers causing exactly this problem. To that end I need Paypal to provide me with the exact and full routing number and account number they sent the money to so that I can verify them. 

And I further request that this case not be closed until the money has been located and returned to XXXX or the other of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This complaint is with Barclays Bank US and its branded Aviator Mastercard. I have been a customer of this bank and this card for 18 years with a perfect credit history and never previously sought a chargeback of a disputed charge. I opened a dispute by phone in XXXX XXXX XXXX XXXX on XX/XX/year> regarding a rental made through Booking.com due to the misrepresentation of the 'services described ' by the merchant in the original reservation. Barclays advised me in writing on XX/XX/year> that I did not have to provide additional information at that time but in case that the merchant refuted the chargeback, I would need to submit additional information. The case was prematurely closed on XX/XX/year> without any opportunity for me to provide information and documentation to support the dispute. Once I received this denial and merchant defenses it was already 10 days past the XX/XX/XXXX closure date. I submitted very thorough and extensive information and documentation to support the dispute on XX/XX/year> to Barclays ' CEO and executive offices. Barclays has repeatedly falsely claimed that they never received this 'new ' information which was actually the first information they received to support the dispute.

Barclays has been wholly uncooperative to acknowledge the receipt of my information and reopen the dispute. Barclays has also chosen to completely ignore the Mastercard , Inc. protocol for cardmember dispute resolution. This step by step process indicates what issuing banks of Mastercards should do to assist clients in working through merchant disputes form initial chargeback arbitration by Mastercard. 

Barclays has refused to provide me with reasonable answers to my questions regarding this chargeback dispute. They have also dismissed and ignored my request for the legally required full report of their complete investigation of the the dispute. Regrettably Barclays has treated this valid dispute as unworthy of its follow up and continued to side with the dishonest merchant. Booking.com, source of the original reservation has since dropped this merchant due to fraud and misrepresentation, but yet Barclays Bank continues to support their position and not give me any opportunity to support mine.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to place a freeze on Teletrack, an Equifax Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I received a text from cashapp stating I made a purchase at XXXX XXXX XXXX XXXX XXXX. for {$19.00}. I called customer service and was laughed at, and mimicked when I asked for a supervisor. I asked the supervisor to listen to the recorded call and to put the money back into my account. I was told that It was nothing she could do while the transaction was still pending. I explained again I had made no transaction with that company. She told me I had to wait until the transaction was no longer in a pending status. The transaction is still pending and I do not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I deposited a lawsuit payout check on XXXX. This check was from the following Federal Case XXXX XXXX XXXX XXXX XXXX XXXX I was told there would be a five day funds hold because of my account being new. 

Knowing that I was receiving my payout check, I took the month of XXXX off of work to spend with my daughter before she went back to school. 

Citizens locked me out of my account and locked my debit card. 

Realizing this, I called on XX/XX/XXXX and told the representative what was going on and he told me the funds were in a longer hold and my account was under review. 

I told him where the check came from and he assured me everything would be resolved timely. 

I received a letter on XX/XX/XXXX stating my funds would be available on the XXXX I called several more times that week and a supervisor told me my account would be unlocked by the XXXX. 

I called everyday after that to check the status until the funds became available on the XXXX. I called on the XXXX and XXXX and was told the same thing. 

I HAVE NOW SUFFERED LATE PAYMENTS TO MULTIPLE CREDIT CARDS AND HAVE LATE BILLS AND INCURRED LATES FEES TO MULTIPLE ACCOUNTS I HAVE NOT BEEN ABLE TO GET ANY CASH ADVANCES WITH MY CREDIT CARD/CARDS AS PAYMENTS ARE DUE AND I CAN NOT MAKE PAYMENT BECAUSE MY ACCOUNT IS LOCKED I AM SUFFERING SERIOUS DAMAGES BECAUSE OF CITIZENS ALL 6 CITIZENS BRANCHES NEAR ME ARE PERMANENTLY CLOSED HAVING BEEN BOUGHT OUT. SEE XXXX XXXX XXXX  AREA. NO BRANCHES WITHIN 100 MILES OF ME. 

CITIZENS CANT GIVE ME MY ACCOUNT NUMBER OVER THE PHONE AND BECAUSE I DO NOT HAVE ACCESS TO MY ONLINE ACCOUNT OR A BRANCH OR MY DEBIT CARD I HAVE NO ACCESS TO MY FUNDS AND HAVE BEEN CHARGED WITH SERIOUS LATE FEES ON SEVRAL ACCOUNTS AND BILLS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/year> my bankruptcy case was dismissed by Bankruptcy Judge, 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MO

Complaint narrative:
The authorized user account associated with discover was added again to my credit report without my permission and I need it deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX3 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 of 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo in XXXX just finished a small facility, where there is limited parking and XXXX room to view contents of a safety deposit box. I needed to organize and sort through the contents of my box, and they told me that I am only allowed XXXX minutes. Are you kidding? We pay over {$120.00} a year for the safety deposit box and should be able to access whenever they are open and for as long as we need to. I am extremely frustrated with Wells Fargo and the lack of customer service. They need to be held accountable.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX 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 explanation