vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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.

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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Venmo froze my account on XX/XX/2024, due to some sort of suspicious activity- which was Me. They said an email was sent to me asking for ID verification. I did not get this email, not in my inbox or in spam. I used both the support chat online, and called on the night of XX/XX/2024. In chat I was told I'd get an email after the chat, confirming the chat, etc. I did not get an email. Customer support said my case was being escalated to the account specialists, and that I would get an email in XXXX business days. I can not wait XXXX days, I need access to my funds now. I have to pick up my medication refill - my XXXX. Additionally, if I did not get the original email, what are the chances I will get the one I'm supposed to in XXXX days?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CA

Complaint narrative:
I HAVE EMAILED THE COMPANY SENDING ME INFORMATION A NUMBER OF TIMES REQUESTING SPECIFIC INFORMATION, ORIGINAL CONTRACT WITH SIGNAURE, COMPLETE ACCOUNT NUMBER, WHICH THEY HAVE FAILED TO PROVIDE. 
I HAVE EMAILED THEM ASKING FOR INFORMATION WITHOUT A RESPONSE. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I HAVE SPOKEN TO SOMEONE ON THE PHONE AT XXXX XXXX ASKING WHICH FORM OF IDENTIFICATION WAS USED TO OPEN THIS ACCOUNT AND HE DIDNT HAVE THAT INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear CAPITAL ONE / Sir/Madam, I am writing to formally dispute the charge-off balance of {$1400.00} associated with an account that is being inaccurately reported under my name. I must emphasize that this is not my account ; it is fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

The reporting of this account as mine violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter promptly and expeditiously, I am requesting the following documentation : Evidence of Authorization : Provide evidence under 15 USC 1692e and 1692f that you are authorized to handle this matter.

Legal Basis : Clarify the legal basis for the collection of this debt. 
State Authorization : Proof of your authorization to operate in my state. 
Proof of Debt : Submit evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete Account History : Provide a complete account history, including all charges related to collections. 
I am also filing a formal complaint due to the violations of my consumer rights under the FCRA and FDCPA. In accordance with 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished to credit reporting agencies without my explicit written consent.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Given the fraudulent nature of this account, I demand the immediate deletion of this disputed account from all credit reporting agencies. Your prompt attention to this matter is appreciated, and failure to comply may result in further legal action to protect my rights and interests.

In a good faith effort to resolve this matter amicably, I insist that you provide proof of this debt, specifically the alleged contract or any instrument bearing my signature, as well as proof of your authority in this matter. In the absence of such proof, you are required to delete any erroneous reports of this debt from all three major credit bureaus immediately. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit file from XXXX, XXXX And Trans union immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1900.00}

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

My name : This is my legal name XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida, XXXX. 

Enclosed are copies of documents supporting my claim, including ( State ID, utility bill ). These documents provide evidence of my correct personal information. 
Please investigate these inaccuracies and update my credit report accordingly. And I request a new report when you have completed so I may continue to verify its accuracy. 

Thank you for your prompt attention to this matter. 


Sincerely, 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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




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 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 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 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 2024-08-19 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: CO

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-08-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in 15 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished. 
For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt. 
In Response to a Court Order : To comply with a court order or federal grand jury subpoena. 
For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi there in XX/XX/XXXX- the XXXX of XXXX XXXX for XXXX dollars and some change taken away from my account. And then I got overdrafted. 
I later then got overdrafted in XXXX, XXXX and I am currently being overdrafted in XXXX. 
I have contacted Wells Fargo multiple times about the charges and the overdrafts. I have spoken to multiple representatives who have made fale promises and I never got my money back. 
I got overdrafted for a good amount of XXXX dollars and continue. Every customer service representative from Wells Fargo said that they can not really help me with the overdraft fees because I accepted the overdraft fee of XXXX dollars. 

I got over drafted from the following dates and the bank refuses to help me out, even when I am really kind to them. 

From XX/XX/XXXX to XX/XX/XXXX I got overdrafted XXXX  times for XXXX dollars. After a certain point the over draft fees stopped and the bank began to negate charges like I asked a long time ago. But I had over XXXX dollars in overdraft plus the amount that I was charged for items. 

From XXXX XXXX to XX/XX/XXXX I am getting overdrafted 5 times for charges that I thought the bank was going to negate. 
Then in XXXX, XXXX and XXXX I got overdrafted a fewtimes. 

I am really upset because I can not extend Wells Fargo grace period I asked customer service for help on many things. They did refund me XXXX dollars after they took a lot more. 
I also tried speaking to customer service about a return I made back in XXXX of last year but they also said that I was not able to get the money even after I sent them messages and gave them a receipt for an item I returned. I work for XXXX XXXX and I returned the guitar but Wells Fargo charged me XXXX cents that I knew I returned. And since I work at the shop and know many managers they told me to speak to Wells Fargo. 
Wells Fargo has been anything but helpful. 

I want a refund for the items that they overdrafted and for the money that they took from me.

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi I called XXXX  XXXX to order XXXX  currency that I wanted to pick up the next day. They asked for {$200.00} deposit before I can order the currency, so I gave them my credit card info on the phone. My credit card is Barclays Aviator Master Card. On XX/XX/year> a cash advanced for {$200.00} appeared on my credit card. Today I found out that the XXXX  XXXX was able to get into my cash advanced and withdraw {$200.00}! The cash advanced that I never used and never asked for it, it was somehow given to me! 
When I asked the customer service of Aviator Master Card how where they able to take money out of my cash advanced, they informed me that they were able to do the withdraw transaction via wire transfer. I asked them how were they able to take money from my account using wire transfer they could not answer me. then I asked them if I can just pay the {$200.00} to avoid about {$4.00} interest charge every month, they said : " you have to pay your whole balance, you can not just pay the {$200.00}. '' How can Aviator Master Card Allow another company take money out of my cash advanced? 
Also why I can not just pay that portion of my cash advanced? 
Please Help me out! 
Thank You so much!

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with XXXX, XXXX, and Trans Union back on XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with XXXX, Equifax, and XXXX XXXX back XXXX XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX i hereby dispute the validity of the alleged debt listed above Entirely, Also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT, Agreenents must be with the original creditor and signed by all parties involved. Iam requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that accurate and complete thank you, 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